vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.

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 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I was applying for a refinance of my Ditech FHA loan. I wanted to get cash out. The refi was with Ditech. I was strung along for over XXXX weeks. They kept telling me everything was good and not make the XX/XX/XXXX payment. I asked over and over again. They told the loan was good to close and about a week before started asking me for all these things that they needed. XX/XX/XXXX the day before closing they said the loan was not approved. Still have to pay my XX/XX/XXXX payment eben though I have a email saying that I dont. THEY ARE LIARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To the Consumer Financial and Protection Bureau I enrolled to a debt settlement program after my XXXX from the military after the few years of negotiating to a XXXX or more creditors they finally settled some of it some are they violated my rights and end up to a harassing call XXXX of this creditors are the XXXX and ended up happening to settle out of court my debt settlement company agreed not to file a law suit in order to forgive the debt. another debt a XXXX an unsecured debt that already been settled by my settlement company the XXXX. now the issue here is what ever i do to check my credit reporting still showing a negative impact to my credit report now I cant even get approve to purchase a home because of this XXXX credit reporting agency wont fix what is the right credit report. I hope your agency can give me an answer.

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 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have routinely made extra payments on my mortgage loan through Chase Bank since XXXX 2012. I have instructed the bank to post and apply any extra payments toward the principal ; as our purpose for making extra payments is to pay off the loan. I have called the bank several times to question why Chase keeps extending my due date on my mortgage statements because this seemed odd to me. I have never really got an answer that satisfied my question. Long story short ... .today I 'm looking at the escrow online and I see that the balance is approx. {$13000.00} already and it 's only XXXX and it finally dawns on me what Chase has been doing with my extra payments. My taxes are approx. {$10000.00} per year and I pay for insurance ourselves so they 've simply been putting this money into escrow and not applying it towards the balance which make NO sense at all especially since I 've called and questioned how my payments are being applied on a number of occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my concerns as to the transfer of the credit card services to CITI Bank. I have been a loyal Sears customer since XXXX. On Saturday XXXX XXXX I received a letter from Citi writing that my account was past due and to pay {$57.00} today. It also when on to say that the delinquency was being report to the credit bureaus. I could not believe what I was reading and in turn called XXXX where I was greeted with the rudest people that I have ever talked to. I explained that I never received a bill from Sears or Citi bank the representative then said it was emailed to me. I then explained do not get any of my bills via email they continued to say that was impossible and I received the bill and that was all there was to the issue. I again asked why did n't I get a paper bill they said it did not make any difference they wanted their {$57.00} plus late fees of {$65.00}. 
The purchases were made in XXXX XXXX but I had not used the account since XXXX XXXX. I just was appalled of the verbal abuse that I received from the customer service department. I then asked how did the letter get to me and not the bill? I still do not understand how they had my email address the only logical thing that I know of is that XXXX just transferred all their accounts from XXXX XXXX to Citi bank the same as Sears transferring their accounts to Citi bank and that the information was shared between units. 
After my very unsatisfactory conversation from Citi Bank customer Service I called Sears Customer Service who was very apologetic for my experience. They also removed the late fee payments and continued to state that there have been a large number of accounts that did not get their bills. She also said this is particularly true for accounts that have not been used for a long time. 
The rudeness and verbal strong arming is not the way to conduct business maybe it is again the minimum paying job where they are not paid to think or research instead brainwashed into give me the money now ....

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 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was trying to pay a bill with us banks mobile banking application. Upon completing the payment it always asks a security question. Today it asked a question which was not in the set of XXXX I had set for my self which resulted in my account being locked. This is a huge security hole if the questions can be changed by accident a hacker could easily do that to gain accesss to accounts. I have talked to many people who use usbank and this has happened to all of them. They refuse to acknowledge the problem so I do not know what to do aside from getting a new bank which I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the file.

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 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all XXXX of my credit reports.

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 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited {$3000.00} into my B.O.A. acct from my trust fund on XXXX/XXXX/16. BOA placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) BOA risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the BOA risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the BOA reps to which she said that she would call them from her end and conference me in. XXXX at BOA risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she " would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a BOA account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has BOA attempted to contact the trust account.

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 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out account.

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 2016-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed the inquiry 's on my report 4 mos ago I have XXXX inquiry 's without the permission of me. I 'm supposed to have a fraud alert on my report but they just keep letting anyone inquiry about my report. The alert says there supposed to contact me before anyone can see my report or score. I also never received a final decision on my disputes.

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.

Company response to consumer: Closed with explanation