vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: IN

Complaint narrative:
we internally refinanced with Oceanside Mortgage Company on XX/XX/XXXX. XXXX XXXX told us that the check we wrote for {$770.00} on the closing date would be for our XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a mitigation email saying that we had missed our XX/XX/XXXX mortgage payment. After calling XXXX back they said that it would be taken care of and they would apply the funds to our mortgage payment. That was not completed. Today I have spoken to XXXX in customer service, XXXX XXXX, and a man by XXXX XXXX. XXXX and XXXX XXXX could not figure out what happened or where our money went. XXXX XXXX told us that our escrow account was short, and that they had take n the check we wrote for {$770.00} to our escrow account and that we 'should have known ' that were going to owe for XX/XX/XXXX, when XXXX XXXX told us that was what we were paying at closing. They have now said that they will " try '' to remove any bad marks from our credit report. and " try '' to remove any late fees. They were not helpful, and basically told me I needed to Pay XX/XX/XXXX, and did not take any repsonsibility for what their loan officer, XXXX XXXX, told us. I feel taken advantage of, like I was liked to just so he could close a deal. I have spent over an hour and 15 minutes on the phone with this company today, and was transferred 3x.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2014 this debt for XXXX, XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to 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 2018-05-07 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: MO

Complaint narrative:
XXXX XXXX has reported a {$2500.00} account in collection on my Experian credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as Experian for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in 2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency Experian have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.

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 2018-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've spent months trying to reach out to someone at Navient and get my account repayments set up properly. I've spoken with countless representatives, supervisors, and other staff only to be given different information each and every time I call. I've requested that Navient review the last 6 months of my calls only to have them call me back on a nonworking number that I requested they not use. I put a second request in and can not reach a person to discuss these findings. Each and every call is a fight to get someone to successfully offer a payment plan that I can afford and also to set up reoccuring payments, which seems to be required in order to enroll in these programs. I have no issues with setting up the auto payments, however Navient seems to have issues properly executing this. I've also tried to remove my co-borrowers from my loans as they are unable to assist in repayments due to their own financial hardships. My income has dramatically decreased over the last 12 months due to a divorce. I've begged, pleaded, and nearly cried with representative after representative to be told things like " make more money '' and " sorry we can't do anything. '' It seems as though they're only willing to help those who completely abandon their loan repayment which I refuse to do. I just want my calls reviewed to have someone see they handle things inappropriately and inconsistently at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I had account fraud, was unaware for months and when the bank called me 8 months later to tell me about XXXX was gone and more transactions were pending. They then tell me they only go back 60 days. XXXX XXXX XXXX is a member of the fdic and they insure for more than what was stolen. They have a fraud department and they said they are under manned, so its not their problem.

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 2018-05-07 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: IN

Complaint narrative:
I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus XXXX, Trans Union, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.

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 2018-05-07 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: IN

Complaint narrative:
I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus Equifax, XXXX XXXX, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Paid my statement in full {$250.00} by the due date of XX/XX/XXXX. This was scheduled online bill pay with my bank. They mailed it in enough time. XXXX posted the payment a day late and charged me interest and late fee. 

I emailed my bank thinking it was their fault and to have them resolve it with XXXX. 

However, when I emailed XXXX I came across the email they sent me that they DID receive the payment by XX/XX/XXXX. They didn't post it until XX/XX/XXXX however and charged me interest and fees. 

While trying to resolve this, another statement went out charging another late fee and interest. 

I sent the email attached proving I should have NEVER been assessed late fees or interest since I did pay by the due date but they only agreed to waive one of the late fees since I didn't pay the late fee that shouldn't have been assessed by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from Equifax only can I see my report on XXXX XXXX. 

XXXX website is always unavailable and then tell me that I have received my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NY

Complaint narrative:
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late

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 2018-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I purchased a knife for {$320.00} and sent payment via PayPal under the impression that this would be under purchase protection. I was sent a much cheaper folding knife than I ordered. I communicated with the seller who stopped communicating with me when I told him I had received a much cheaper knife. After disputing the charge with PayPal, the company claimed that the knife was not eligible for purchase protection. This is contrary to their acceptable use policy which fails to explicitly say anything regarding automatic knives. No reasonable reading of the acceptable use policy would lead someone to conclude that their purchase would not be protected due to the broad, inexplicit language used. This means that as long as someone is defrauding by pretending to sell a certain knife via PayPal, they are free to defraud PayPal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to 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 2018-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA

Complaint narrative:
Our company sold merchandise to a person who may have used a fraudulent credit card. 
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE FARM BANK, FSB
State: AR

Complaint narrative:
Statefarm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: MD

Complaint narrative:
Submitted a loan modification on 3XX/XX/XXXX and XX/XX/XXXX ( with a change of circumstance ). After calling several times about the status of the application and getting the run arounds. I will told it was in review with the underwriter. I asked could the foreclosure date ( XXXX ) be suspended while in review because of dual tracking ; which I was told no. 
A day or so later I was told the application got denied and a letter would be mailed to me. 
I never got the letter and called back and asked could it be faxed to my counselor and email to me. They said they would but as of this day still never received anything. XXXX XXXX is not trying to work with me to save my house but is trying to move forward to foreclosing and taking my home when I have the income. They dont want to acknowledge my increase of income.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-07 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: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month. 

I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears. 

Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.

I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I reviewed my Equifax credit report and noticed they are the only credit bureau reporting this inaccurate account. 
There is a repossessed vehicle on my account which was completed in XX/XX/XXXX. Since then somehow Equifax is reporting that this account is on time from XX/XX/XXXX and that there are 3 late payment in XX/XX/XXXX as well as on time payments for XX/XX/XXXX. 
I am entitled to all accounts being verified with appropriate information. This is having an extremely negative affect on my credit health as well as my reputation. 
The company that is reporting seems to change the months that are late. A previous report showed a different set of months. Almost looks like the account showing under XXXX XXXX XXXX is either NOT verified or the company is providing updates that are NOT related to an account that they claim is mine. I hope they are not reporting the same car on MY account but are actually providing the information for another car owner. That is a definite violation of my rights for fair credit reporting. 
I would also love to see proof of the balance which shows as {$13000.00}. If that amount is inaccurate as well as the payment history I request to Equifax that this account be deleted from my credit report because of these violations to my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: AR

Complaint narrative:
US Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to 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 non-monetary relief
Consumer complaint received 2018-05-07 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: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
i demanded that the following accounts be removed from my credit report : Debt recovery solutions account # XXXX, debt recovery solutions account # XXXX

Company response to consumer: Closed with explanation