vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been disputing my mortgage payoff balance for several years. I have complained to my mortgage company, and they keep giving me standard non applicable responses. Despite the fact that my combined principle and interest payments exceeds the combined principle and interest of the original amortization schedule, they claim my home is not paid off. The basically extended my loan to make up for an arrearage, and had me pay off the arrearage separately. 


In addition, the Mortgage Company used a calculation to determine original arrearage, which was incorrect. They assumed it was interest only, which it was not. I produced a document from HUD  that showed the original arrearage was made up of interest and principle. Once XXXX paid all of the arrearage in XXXX, the principle portion should have been reduced from the outstanding principle. In addition, the mortgage should have been reinstated, with the principle and interest payments being brought forward to match the original amortization schedule. That would have applied more of my monthly payments to principle, following XXXX paying off my arrearage. Both the incorrect arrearage calculation, and lack of adjusting principle and interest payment distribution, created a error of about {$8000.00}. In addition, I think a penalty should be applied toward my mortgage company to the tune of about an additional {$2000.00}. Not to mention an excess penalty being applied to me in XXXX, to the tune of about {$2000.00}. That produces a grand total of about {$12000.00}, which should be reduced from my reported outstanding mortgage balance. Ill be  producing a spreadsheet, and will share it with PHH and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2020 I made my payment to Besy Buy Visa in full for {$38.00}. They didi not credit my account until XX/XX/2020 and charged me a {$30.00} late fee. I disputed and was told they credited the payment on XX/XX/2020 with no explanation as to why the payment was credited late and charged me another {$30.00} because I did not pay the late fee and disputed it again.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX  ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( Experian ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have two debit cards with Wells Fargo ; one of the cards is a XXXX XXXX XXXX account and the other is personal account. My personal card got declined while I was trying to make a purchase of {$600.00}. I called Wells Fargo and they said it got declined because it was over my daily limit of {$500.00}. I requested a raise in my daily spending limits, as I do frequently make purchases on my personal card for over {$500.00}. They said with my account that I couldn't get an increase, but that I could use my XXXX XXXX account because it had a {$3000.00} limit. I then asked them how I could go about getting my limits raised in the future, and they told me there is this department that periodically selects accounts that can be converted to an account where my limit can be increased upon my request. I asked them what the qualifications were to get converted to this other account, and they said there were no qualifications and that they randomly select accounts. Hearing this I was appalled and felt like I was being discriminated against, so I proceeded to file a discrimination dispute with Wells Fargo. The next week I get an email saying this Wells Fargo guy was looking into my case. Another week later I get a call from this XXXX, hotshot " Executive '' saying yes we are discriminating against you and other members of our bank, but there is nothing I can do about it and you are screwed. The guy was a real piece of work, and his name was XXXX XXXX.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent dispure letters to all three major credit bureaus disputing inaccurate information. I mailed my dispute letters certified mail with a copy of my driver 's license ss card and a bankstatment with my current address on it. I sent 2 letters to each with no results or anything.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit  reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This complaint concerns my request for a refund of a credit balance on my Costco Anywhere Visa Business Card by Citi. 

On XX/XX/20, I used this card to make a purchase of {$3200.00} from XXXX XXXX. The charge appeared on my statement of XX/XX/20, and I paid the full amount of the new balance on XX/XX/20. On XX/XX/20, I returned the merchandise in question to XXXX XXXX, who immediately refunded {$3000.00} to my credit card. This resulted in a credit balance of {$2100.00} on XX/XX/20. Citi 's statement for the period ending XX/XX/20 showed the credit balance in this amount. It gave the " payment due date '' as XX/XX/20. The statement also included an " account message '' saying, " Your account has a credit balance that is owed to you.... You may request a refund by contacting our... phone number listed above. '' On XX/XX/20, I called the number provided and requested a refund of the {$3000.00} credit. I was told that Citi " could not '' refund the full amount of the credit, but only the amount of my " account balance. '' This they defined not as the credit balance of {$2100.00} shown on the statement as of XX/XX/20, but the credit balance as of the date of my call. This amount, {$1800.00}, included charges made after XX/XX/20, which would ordinarily not be due until XX/XX/20. After a very lengthy discussion with a supervisor, it was agreed that a refund check in the amount of {$2100.00} would be issued, but the check that eventually came was in the amount of {$1800.00}. 

The result of Citi 's withholding the full credit balance from me is that they received payment for all charges made through XX/XX/20 on XX/XX/20, a full month before it was due. On the same date they also received payment for all charges made from XX/XX/20 to XX/XX/20, two full months before it was due. 

Section 10 of Citi 's " Card Agreement '' provides that " A merchant refund to your Account will post to your Account as a credit.... We'll choose how to apply the credit to your existing Account balances. If a credit creates a credit balance on your Account, we'll mail you a check for the amount of the credit balance. '' As I interpret this provision, Citi properly posted the credit of {$3000.00} to my account on XX/XX/20. Applying this credit to the existing charges as of that date, they were obligated -- even without my request -- to mail me a check in the amount of the credit balance as of that date. They did not have any authority to delay the refund and apply it to balances or charges that did not come into existence until after XX/XX/20. 

I respectfully request your investigation into what I understand to be a misappropriation of my funds and a violation of Citis own agreement.

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 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
That person was SCAM me and I TRY to request to money back to my account but that person BLOCK AND CHANGE NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with XXXX  and called Equifax on XX/XX/2020. Equifax referred my back to to XXXX, denying any connection between Equifax and the questions posed at the site. I've since received a letter from XXXX instructing me to contact the bureau ( s )  directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TX

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Late XXXX, I was offered a full student loan discharge due to my XXXX XXXX, XXXX U.S. Military Veteran Status. All of my student loans were discharged or forgiven ; XXXX and XXXX  are accurately reporting this data, but Transunion still shows these accounts as active. 

Today, XXXX, I attempted to file a dispute online with Transunion, however, the dispute feature is not available and there is no method of contact reported on Transunion 's website.

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 2020-06-30 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: DISCOVER BANK
State: WA

Complaint narrative:
Our Discover card was used fraudulently last summer. We contacted them immediately and let them know that we had this problem and that the person who did it also changed all our online log in information. Discover card let them change it. They said the person who called had our information and Discover card let them change all contact information except for being in our name and our address. The person spent all the money in a 3-day period. I first put a freeze on the account. The person who was stealing the funds took the freeze off. I then called Discover card and was told that they would investigate tithe told me we should freeze our credit since it appeared my husbands identity had been stolen. When asked what else we should do they said that was it. On XX/XX/2019 they sent a letter saying it was not fraud, they knew it was us and that we had to pay. We called again. Kept asking for a supervisor or someone who could make a decision. We were continuously put on hold and then told there was no one for us to speak with and that we had to pay. They then asked if we had called the police in XXXX. I said no, that was never suggested when we asked what we should do. They then said that because we did not call the police, they would not help us and we had to pay. They sent another letter XX/XX/2019 stating it was not fraud and we had to pay. We called again and requested to speak with the highest supervisor or decision maker. They said they would pass us along and promptly disconnected us. They sent another letter XX/XX/2019 saying that they would not help us. During this time they would call us every day to threaten us with collections. When I would explain why we would not be paying they promised to find someone who could help us but of course did not. I finally told them that if they called again I would turn them in for harassment. The calls finally stopped. In XXXX we asked our attorney to get involved. He wrote a letter demanding a response within 15 days. Nothing was ever received. Our attorney recently gave us information on how to get in contact with CFPB to help with this matter. We canceled the credit card last fall and will never use Discover card again. We pay all our balances monthly and never carried a balance with Discover card. They refused to see that we are not the kind of people who do not pay their bills or look at our 20-year history with Discover card. And they are ruining our credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am attaching a 3 year timeline of how I have been experiencing the improper handling of my Deed in Lieu with XXXX and Shellpoint. I am still continuing to experience the same stalling tactics as they have improperly closed my DIL twice forcing the process to start over. They failed to send me the DIL package from our original conversation on XX/XX/XXXX, it took months of follow up before I received the package. Once I was approved for the DIL process, they stalled on assigning an inspection date for my property and closed the case without notice ( XX/XX/XXXX ). In addition, to the re-opening of the case ( XX/XX/XXXX ), the assigned XXXX representative became missing in action in XX/XX/XXXX, only to find out that he no longer was working for XXXX and in doing more follow up it was confirmed Shellpoint was taking over XXXX customers XX/XX/XXXX. Shellpoint received my file XX/XX/XXXX and assigned my representative and she would be sending an update regarding the final paperwork status. I had a second mortgage with XXXX, which was satisfied and closed XX/XX/XXXX and XXXX submitted all documents to XXXX in addition to the discharge to the County records on XX/XX/XXXX and recorded XX/XX/XXXX. 
I sent several copies of the Register Of Deeds, as well as the Deficiency Waiver from XXXX on XX/XX/XXXX to meet the clean title requirement and was told several times that I need to have the release of mortgage from XXXX. This process continued from XX/XX/XXXX until XX/XX/XXXX. I clearly stated in email dated XX/XX/XXXX that I felt harassed to provide documents they had access to and I felt they were looking for a reason to close my DIL again as they were threatening if the documents wasnt sent, they will close out the DIL. They refused to do a Title search and kept requesting me to send the same documents.all the things that XXXX had already provided to them and can be found on the Title search. I continued to oblige and paid for the recorded deed to avoid the threat of them closing my case. 


As a result of the continuous stall tactics, mismanagement and lack of due diligence on my case thats been clearly demonstrated throughout this process, I am not accepting a denial of my Deed in Lieu due to a newly revealed ownership change that occurred on XX/XX/XXXX with the county deed office due to a tax sale, when Shellpoint could have acted timely from XXXX XXXX XXXX, XXXX to avoid any transfer of property. 

I have copies of all emails and phone calls that have been documented during this entire ordeal and it is also worth mentioning that I have also fought 2 battles of XXXX ( XXXX and XXXX ) during this 3 year period.

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 2020-06-30 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: MO

Complaint narrative:
Trying to link to my cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX, regarding two for 2 unauthorized inquiries from XXXX XXXX from two different dates : XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX sent a letter to me, and accepted the two inquiries as fraudulent. XXXX XXXX XXXX mentioned that they instructed the reporting agencies to delete them from my credit report not to affect my credit worthiness with lenders. 

As up to date, Experian has not deleted the inquiry from XX/XX/XXXX, and neglects to delete it.

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