vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter. 
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX from Suntrust shared my information with multiple financing companies who have pulled my credit report without my authorization but they claim it was with SunTrust authorization.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?

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 2018-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
USBANK refused to respond to complaint XXXX filed with you XX/XX/XXXX due to my request for you to forward any replies from them to my dad because he is not on the mortgage. I am asking you to resubmit that complaint which they responded to which defines what is in my opinion predatory practices- misinformation- outright distortions and an attempt to foreclose even when they HAD the mortgage money which they maintained in a separate account and did NOT apply. The issue was over {$37.00} cents escrow. Complaints were logged with HUD and the XXXX XXXX XXXX   who informed me they could only raise escrow no more than XX/XX/XXXX. Confirmation with taxing and insurance indicated there were NO increases for XX/XX/XXXX and they informed me if any would not be available until later in the year. This issues started from day 1 of the forbearance - with their collections not aware or understanding I was on a forbearance program because of the XX/XX/XXXX storm in Florida- which HUD extended through XX/XX/XXXX. In my opinion while they continued to offer a renegotiation of the mortgage it was not necessary. Frankly, while I could use a modification I was very scared and concerned because of their method of doing business and demonstrated inexcusable incompetence which ruined my credit costing me addition money of financing a necessary used car purchase due to mechanical failure of my other vehicle due to that credit and they not moving to correct such. This placed me in severe financial hardship and difficulty further impacting me not only financially but placing me under mental and physical duress involving multiple trips to the ER. I was afraid to do anything with them because they never gave me a straight answer always different coupled with outright lies. They were rude, and arrogant at times and I had immense fear dealing with them. Complete documentation is available!

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 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted my bank this past Thursday to file a claim for XXXX due to unauthorized transactions through XXXX the smaller charges were credited back to my accountthe next day however the largest of the charges the on XXXX I was told would be XXXX account the next day. When the next day came and passed I was told it would take XXXX he's that time passed I called for 2 days and was to some one from investigation would return my call after that didn't happen I became overdrawn by XXXX I told them prior to this that I don't like to over draft I keep getting the run around it feels like.

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 2018-06-14 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: TX

Complaint narrative:
I initiated a dispute over 30 days ago with Experian in regards to an item on my credit report. I sent the letter XX/XX/XXXX and have not received any notice or results document. The creditor is trashing my report with inaccurate rpeorting. Please help, I'm trying to buy a house and have run out of options

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 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
capital one bank pulled a fraud inquiry on my XXXX report on XX/XX/2018 that was not authorized by me due to a fraud online credit card application and needs to be removed from my report asap my SSN XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I had several major medical complications in XX/XX/XXXX with three hospitalizations ; and with my husband having to take time away from work and major medical bills the expenses really started to affect our ability to stay up to date with our mortgage. I applied for a mortgage modification with Mr.Cooper and they decline despite the fact that all required documentation was sent to them. I decided to accept a payment plan.The plan stated I would make 3 payments in the amount of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX. We made all three payments as agreed. The terms of the agreement stated that once we completed the payment plan our mortgage would be current and we would continue making our regular monthly payment of {$1000.00}. The problem is that the Mr.Cooper did not keep their end of the agreement and upon completing the payment plan we continue to receive statements stating the payment due is {$1600.00}. This amount includes {$210.00} in fees that according to the plan should not have been assessed. I have made multiple attempts to resolve this issue with the lender with no success. In my last call I was told a case was opened to investigate the issue but over 4 weeks have passed and I never received a call back or any communication. In the meantime the lender has continued to send us harassing letters stating their intentions to take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have credit inquires on my Equifax report that I didn't authorize and I have since put a fraud alert on my report to prevent this from happening in the future. 

1 XXXXXXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I'm in the process of selling my home and received a payoff letter which lists a Total Corporate Advance amount of {$1000.00}. I sent an email request on XX/XX/XXXX requesting an explanation of this fee. I received an email with a letter stating " per the terms of the contract, the lender may may necessary expenses in order to protect its security interest in the property. The lender may then seek reimbursement from the customer. Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract. Please find attached a copy of the advances to the account made on your behalf. '' I called Ditech 's customer service department at XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX. I explained that none of the transactions add up to the amount listed on the payoff. I had filed Chapter XXXX bankruptcy in XX/XX/XXXX. The mortgage was sold to Ditech ( known as XXXX XXXX at that time ) in XX/XX/XXXX. The bankruptcy was discharged XX/XX/XXXX. XX/XX/XXXX directed my most recent mortgage payment from the principal, interested and escrow, reversed the payment and applied it to corporate advance repayments at that time in the amount of {$1900.00}. It was then necessary for me to make an extra mortgage payment. I contacted Ditech in XXXX via email and phone and had no resolution. I should have continued to fight and question but I seemed to be getting a runaround from the various representatives I spoke with. XXXX submitted a verbal request and it would take up to 30 days to receive a response. I don't have 30 days to wait from today XX/XX/XXXX as this house is going to settlement on XX/XX/XXXX. I need this resolved as quickly as possible. 

I find that this additional corporate advance repayment fee listed on my payoff letter to be highly unreasonable, especially since my chapter XXXX bankruptcy was discharged 14 months ago and Ditech didn't even originatet the mortgage. 

I would like to have this unreasonable fee removed from my payoff. I question Ditech 's ethics and the competence of their accounting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I submitted all required documents for an income driven repayment plan by the deadline of XXXX. They received the initial application via the website portal. Since my income had changed from the previous year, I then faxed over my proof of income to their fax number. They did not update my account and did not notify me that they did not have the complete application until XXXX when they stated by IDR was denied and I owed {$1500.00}. I then contacted them and they told me I just needed to upload my proof of income. Since they claimed they did not receive my initial fax, I uploaded a document through the website per their instructions. They then updated my account for the future payments to accurately reflect my income but refused to update it for the month of XXXX and state I still owe them {$1500.00} for that month. My income has not changed at all. I submitted the initial fax by the deadline. They did not inform me they did not receive the complete application. They told me I just needed to upload proof, which I immediately did. Now they will not update my account and are trying to say I did not file within the deadline, except I did. It is not my fault someone in their company did not update my information with the initial fax that I submitted with my application. And now they are refusing to be held accountable and simply update my account. If they are not going to man the fax machine, that should not be an option to submit documents. This was in no way my fault and I have repeatedly explained the situation to them and asked them to update my account, as they are required to do. I have fulfilled my end of the financial agreement. They are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/18, my credit was checked by XXXX without my authorization. As a result, someone opened a XXXX XXXX Account No. XXXX in my name and added 5 phone lines. I received a bill in the amount of {$590.00} for services and phones I did not authorize or purchase. XXXX XXXX told me to file a police report, which I did. Since then, I can not even get the XXXX XXXX Fraud Department on the phone. There is a 2-3 hour hold time and no one ever comes on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have two separate Synchrony accounts. One is for a carpeting purchase. One is for air conditioning installation. Synchrony sends bills late, or not at all. In this way, they can impose a late fee AND increase the interest rate on one 's account. I suspect this may be a widespread practice, as I have spoke to friends who have had similar experiences. When I have called Synchrony on this, they remove the late fee and say they will send bills on time. Someone would investigate this.

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 2018-06-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
XXXX agreed to remove this file but it still appears on my credit please remove please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: NC

Complaint narrative:
I have disputed XXXX XXXX since XX/XX/2017. Each time it comes backs as verified. I have asked them what method they used to verify that the accounts were in deed mine. They have not submitted to me the information i requested in accordance to the FCRA they are required to give me that information. What they did do was remove my accounts that were in good standing. I had to call the companies to get them to add them back to my credit report. They also have added a personal statement that I did not authorize. It is causing me to to have issues with creditors. I asked them to remove it. But they have not. Also asked the. To remove the hard inquiries that I didnt authorize. And that is not done. 

Also I sent In the verification that I have settled my account with XXXX XXXX. And the collections company called XXXX XXXX is still showing.

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 2018-06-14 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: NC

Complaint narrative:
XXXX agreed to remove this file but it still appears on my credit please remove please remove

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 2018-06-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX agreed to remove this file but it still appears on my credit please remove please remove

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have a video of racial discrimination and anti trust. They also provided us another customers credit report and refused to give us our own report they pulled. Their reason for denial was them giving us XXXX XXXX report who has a XXXX credit score which I shouldnt know but XXXX XXXX and XXXX XXXX in conjunction are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My husband took a reverse mortgage in XX/XX/XXXX on our home, I was not XXXX at that time, he passed away in XX/XX/XXXX and the mortgage company ... .. XXXX XXXX, is now foreclosing on my home Refusing to allow me to become a non borrowing spouse. I have been thru 4 mediations with them and submitted extensive documents and was even approved for the XXXX according to HUD But the mortgage company refuses to acknowledge it. I need direction as to what my next step should be to save my home. I can not afford the fees an attorney will charge.

Company response to consumer: Closed with explanation