vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My current TransUnion Report contains the same ID Theft data that is on the ( attached ) XX/XX/2018 XXXX XXXX XXXX XXXX Report # XXXX that I disputed and submitted on XX/XX/2018 - cfpb COMPLAINT ID XXXX Closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX we applied for a chapter XXXX due to debt incurred with XXXX XXXX.Our chapter XXXX process terminated around XX/XX/XXXX, the debt claimed by XXXX XXXXXXXX was paid up at the end of such time period. The third week of XX/XX/XXXX we received the first call from XXXX XXXXXXXX, asking us if we wanted to pay what we owed or if we want our home to be foreclosed. Days after we received a certified letter from them claiming we owed {$8500.00} plus {$1800.00} to be paid by XX/XX/XXXX to avoid foreclosure of our only residence. Do to the fact that XXXX XXXXXXXX, closed operations in Puerto Rico around XXXX we have no way to communicate with a XXXX XXXXXXXX personally. The debt they claimed was paid at the end of our charter XXXX process. We tried numerous calls to CitiMortgage since the third week of XX/XX/XXXX with resolution. By the way on every call we were constantly harassed on with no explanation at all. As of XX/XX/XXXX XXXX XXXXXXXX commence refusing our monthly payments claiming the payment should be in full including what they claim we owed them. This procedure ballooned the amount of our debt for no reasons at all. Due to their constant aggressiveness and harassment toward us we were driving to applied for a second chapter XXXX ( XX/XX/XXXX ) to stopped them to foreclosed our only and principal residence, On XX/XX/XXXX they started one more time to pressure the process one more time. I take this moment to thank your organization for your time and support regarding this injustice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I made a payment on XX/XX/XXXX online for my mortgage. Their online payment form is simple. Select a bank account FROM, select a loan TO, indicate any OVERPAYMENT, and include a MEMO. I rounded my payment up to {$1400.00}. On XX/XX/XXXX I noticed that my checking account still had funds in it. This is typical of Wells Fargo ( they take their time pulling payments - MUCH longer than others, so I have to carefully track them ). I called in to ask and spoke with XXXX - he informed me it was " user error '' and scoffed at me. I escalated it to XXXX # XXXX ( I read the entirety of this complaint to him over the phone for validity ). I filled out the form online again to submit the original MORTGAGE payment amount, and added a MEMO. The form would not allow me to add anything in the MEMO INPUT FIELD - useless and broken. The form was also broken when submitting this on XX/XX/XXXX. I want to document this issue since at this point in time. I already paid this again on XX/XX/XXXX. I've not had any financial loss from my checking account nor did my account go below the amount needed to cover anything - however I've had to carefully watch Wells Fargo and make sure they do their job correctly - and sometimes ( like today ) call them due to inexcusable errors on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I was laid off from my XXXX XXXX due to economic downsizing. Despite applying for countless jobs, no one wanted to hire a XXXX  woman and so after my child was born I ended up claiming unemployment for a short while. I continued interviewing, to no avail over the next six months. I also CONTINUED to pay on my student loans during this time, and for another two years after losing my job by taking money out of my IRA. Realizing we couldn't afford the $ XXXX/yr fees associated with XXXX children in daycare, I became a XXXX XXXX. Navient allowed me to defer my loan for unemployment and financial hardship a few times but after XXXX XXXX XXXX XXXX and having regular income, albeit a small amount, I tried to apply for income based repayment plans so I could stop racking interest and fees associated with continued deferrals, defaults and forbearances. EVERY SINGLE application for IBR was either denied or resulted in a LARGER payment than I was already making - meanwhile my income is a measly fraction of what it was when previously employed full time. According to Navient, my household income is accounted for when establishing these numbers ; understood. The problem with our household income is that we still can not pay our bills in full ( which I provided three years of our own budget tracking spreadsheets as proof ) AND the latest IBR repayment values they issued on XX/XX/XXXX are hilariously ridiculous. They are as follows : 9 payments of {$480.00}, 122 payments of {$820.00} < -- -- -- please note this!!! 
2 payments of {$350.00}, 4 payments of {$340.00}. 

WE CAN NOT AFFORD THE PREVIOUS PAYMENT OF $ XXXX/mo anymore and there is no way we can afford the aforementioned  payment schedule. 

I need some help here. My loans have exploded in value because of all the deferrals, and forbearances and my credit has plummeted due to the defaults. I WANT to make a payment that we CAN afford, but clearly Navient doesn't want to help me do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 
1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 
2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 
3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 
4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My file has been split now for about 3 years. Just recently they half fix it where all my accounts are showing on one. But when I apply for credit it pulls up another file. One that has fraud alert on It. The fraud alert does not even have a phone number. I have been denied credit increases because of this. Keeping my score very low. I have asked them to remove the inquiries that I didnt do. They have not. My file was part of the security breach with equifax. I have submitted police reports and filed with attorney general and FTC. but I still have a split file. I want it merged. They keep saying they only see one. But if I apply for anything it says I have a fraud alert on my file with no number. I am looking into going to an attorney because they have caused me to loose a house loan because of this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
My XXXX cell phone was returned XX/XX/14 as mutually agreed and cell service canceled accordingly ( signed for by employee XXXX ). Two years later this account mysteriously and erroneously entered into collections. XXXX was experiencing backhaul / vendor problems affecting cell towers in home area. I was an XXXX XXXX and needed reliable service. XXXX agreed to waive early termination fee and liability so I could switch carriers ( See XXXX, Executive Analyst, attached email ). I only recently obtained my credit report and noticed XXXX placed this into collections. XXXX apprenlty never notified there billing dept nor update the system? I have spoken to XXXX and she remains very deceptive and lies continuously. They seem to be playing some kind of game. I believe there committing a FCRA violation, just need someone to advise me on how to best proceed. Greatly appreciate your time understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They are the only reporting agency that is inaccurate in reporting XXXX XXXX  XXXX XXXX and XXXX. It was part of fraud. But they are saying I paid it so it must be mine. No I paid it try to save my credit. Finally XXXX XXXX sent me a letter saying they would remove the accounts. They have been removed from all bureaus besides this one.  The lates were updated but wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen servicing wrote my mortgage off over ten years ago. They never notified us that they had it. We were sending our payments to XXXX XXXX  when we receive a letter stating they were no longer be taking payments and we would be notified where send those payments to well that never happen now ten years later we request a release and Ocwen refuses, we didnt even know who they were until a few months ago we were in the process of selling our home. Every year when we paid our taxes on our house we would check to see if a mortgage company finally was reported it wasnt. When Ocwen responses the first time, they told title company it was written off, than the next time we contact them they said they were gone foreclose on our home. They had ten years to notify us and they didnt. We feel Ocwen mishandled our mortgage fraudulently and is trying to find loopholes for the bad business practices of our mortgage. All we want is a release because we feel it wasnt our wrong doing, it was Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I sent a certified letter to Ally Financial, the furnisher of information to the credit bureaus ( XXXX and XXXX  ) on XX/XX/XXXX and XXXX XXXX ( even though the date was misprinted ). In both letters I asked that they are in possession of any document that they believed authorized the inquiry to produce the document. In a phone call on XX/XX/2018, an individual claiming to work for Ally Financial stated that they were in possession of two applications from an auto dealer for credit. I asked if the applications had my signature on it. She said " No. '' I said if I have not signed it you do not have authorization and since you can not produce a signed application, you can not verify that the transaction was initiated by the customer. The Ally employee tried to tell me that I had to speak with the auto dealer directly, but the FCRA states that the furnisher of information " Ally Financial '' has the obligation to maintain these records and has the capacity to remove this unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I closed my account with XXXX XXXX  XXXX XXXX on XX/XX/XXXX with the account being current and entered into a debt managment program. This credit card was included and accepted into the program. I have made all my payments to the debt management company and they have made all payments to my 6 debtors on time each month. I received an alert by XXXX XXXX that I had a delinquency reported on my credit reports. I immediately investigated and found it was with XXXX XXXX XXXXXXXX XXXX and immediately called them to rectify the situation. They were NOT helpful. Told me they received the payment on XX/XX/XXXX vs the due date of XX/XX/XXXX. I said that is only 1 day late ; why did you report me as 30 days late and was told " Late is late. '' They were unwilling to assist me. I tried to dispute through XXXX  ; but did not have paperwork from my debt management plan and assumed XXXX XXXX  XXXX XXXX would do what was right. XXXX  sided with XXXX XXXX XXXXXXXX XXXX, I am assuming because I did not provide documentation. This was my first time ever having to dispute something on my credit so I was ill-prepared. The late payment is affecting my ability to secure a Home Equity Loan, so I contacted my debt managment company ( XXXX ) XXXX XXXX XXXX and explained the situation. They provided me documentation specific to my account with XXXX XXXX   XXXX XXXX that showed the dates the payments were electronically paid. Armed with this information, I reached out to XXXX XXXX XXXXXXXX XXXX again. I was met with the most aggressive individual who told me they had not received 3 months of payments ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ). That I was " lucky '' they only gave me 1 hit for being late 30 days. I asked if I could send the documentation from XXXX and was told " You could have just doctored that ... we won't make a change to your credit report. '' and then she hung up on me. I called XXXX and spoke with XXXX XXXX who said let 's call them together. She spoke first, while I remained quiet just listening on the line. She said she wanted to confirm that payments for a XXXX client were received and credited to the account. XXXX ( account representative at XXXX XXXX XXXXXXXX ) confirmed that from XX/XX/XXXX to XX/XX/XXXX there were no missed payments. When she brought me on so I could ask about the 30 day delinquency reported to the credit bureaus he put us on hold and we waited for 30 minutes but he never returned. I called back alone and asked for XXXX, but they could not connect me with him. This 1 delinquency on my credit report by XXXX XXXX XXXXXXXX XXXX has affected my credit score by ~100 points and is prohibiting my ability to obtain a Home Equity Loan because it is such a recent delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
XX/XX/2018 received the annual Escrow Account Disclosure Statement. 

The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. 

At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. 

XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. 
Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
reference : CFPB # XXXX / XX/XX/XXXX Debt was disputed and removed from my credit history. CitiBank resold this " again '' ~XX/XX/XXXX despite the resolution in XX/XX/XXXX. Now showing on my credit as NEW in XX/XX/XXXX ; which is, in my opinion, inaccurate and inappropriate. This is a complaint against CitiBank and the current collection company. XXXX XXXX XXXX. Please remove from credit history and collections. It is wrong to close and remove then reopen as NEW. Once closed, it was resolve. Feeling harassed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
subject : credit card would not help me with stopping a recurring charges of a scrupulous merchant. 
1 ) monthly charges of {$10.00} is being charged to my account and yet the credit card company keeps letting the merchant charged my account ; 2 ) even if i change the credit card number, the merchant will still be able to charge my account monthly ; 3 ) no matter how many times i called and no matter if i showed them the cancellation form that i got from the merchant ; my credit card would not help 4 ) this has been happening for the last 8 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX J.C.Penney Master Card was declined at XXXX for a purchase of {$59.00} on XX/XX/18. I have a {$7000.00} credit limit and at the time the balance on the card was less than {$100.00}. I had used the card twice at Walmart in XXXX, Oh without a problem a few days before. It was very embarrassing to me that my card was declined twice for no apparent reason. The store is in a predominately white area ( XXXX XXXX, Oh ) and I live in XXXX, Oh. There isn't a XXXX in XXXX yet. I don't understand what would have caused the bank to flag my account as possibly fraudulent. It wasn't a large purchase and the only thing that I might think they would use to flag it was the location of the store. Its less than 50 miles away from my home. But does that mean I can only use my card in the XXXX area without the bank declining any purchase? I can't go on vacation and use the card without the embarrassment of it being declined? There should be a better way to stop a possible fraudulent transaction without declining the account holder like asking the merchant/cashier to ask for i.d . or asking the cardholder to go to customer service where the staff there can call the bank to find out what the problem is. I feel I was discriminated against because I wasn't in XXXX and therefore could not be the cardholder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
Hello, There was a fraudulent account opened in my name by XXXXXXXX XXXX in XXXX. However XXXXXXXX XXXX removes the debt due to being fraudulently opened not by myself. Now the debt has returned on my credit report by a company that purchased ( A Debt Buyer ) the information by the name of : JH PORTFOLIO DEBT EQ XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Placed as a collection account totaling : {$5000.00} Replaced as opened on : XX/XX/XXXX I have contacted the company and it still remains on my credit and has caused me a great deal of pain and agony. I want this item to be removed from all bureaus or be forced to take legal actions. 
1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation