vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
XXXX 2015 received loan modification with a new payment of {$440.00}. 4 months later we were informed escrow was negative XXXX. I paid XXXX to pay back escrow. The following year escrow stated I was to pay XXXX for escrow was now negative XXXX. 8 months later I discovered 4 house payments mailed back for flagstar stated it was XXXX dollars short. I mailed money orders to avoid XXXX dollar call in fee. In default again after I was struggling to pay extra every month. Hired a lawyer for possible chapter XXXX but ca n't afford the process.currently loosing my home. I am part of class action law suit. I 've received two reimbursement checks. Flagstar strung us along for so long trying to get a modification only to deny us so we got a lawyer. In the end they refused my money causing me to default.

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 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
The servicer for my mortgage is engaging in a systemic pattern of delays in responding, XXXX logins and updates requiring new registration increase the likelihood of late payments. 

Facts : * My home loan is with XXXX XXXX.They utilize XXXX XXXX XXXX XXXX XXXX ( XXXX ) as their servicing firm. The website for payments is XXXX XXXX XXXX * Every month, I enter the same UserID and Password I used the prior month. Every month, it does n't work. Every month, the website flashes a message stating " Please contact us via email so that a Customer Service Representative may help you access your account. '' Every month, they wait 5 to 7 days to reply. 

My payments are due on the 1st : * XX/XX/XXXX : I needed to make my first payment. I contacted XXXX  because the servicing site would not allow me to register my account * XX/XX/XXXX : I was finally able to log on to servicing site, and submit my payment. 
* XX/XX/XXXX : Only time in the short servicing period was I able to log on without assistance. But, it proves I did know my User ID and password. 
* XX/XX/XXXX : Account locked out. Per website instructions, I emailed customer service ( for loan servicing : XXXX ). 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Account locked out. 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Emailed Mortgage holder 's help address ( XXXX ) regarding the horrible experience I was having with loan servicing. They apologized, and gave me a special number to call. XXXX said my account had an old loan on it, and she deleted it. 
* XX/XX/XXXX : Account locked out. Emailed both loan servicer and mortgage holder about persistent login issues. 
* XX/XX/XXXX : Received notice from loan servicer that I would need to re-register my account because they had upgraded their website. Their message told me the loan number to use for future questions. 
* XX/XX/XXXX : I need two previous statements, so I tried to log in with my newly re-registered UserID and password. They do n't work. Website looks different, so when it suggested I re-register, I presumed it was a new website from their development efforts. I entered my loan number ( same one as received in the XX/XX/XXXX message above ), but system says I do not exist. No one to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. 

I have yet to be reimbursed please look into XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax was breached due to negligence, I never authorized my information to Equifax as I do not have a contract with them. It took 46 days my information has been exposed and is now vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent following email to Experian with the subject of " Correct my score " .I got these scores from Experian website and I paid them to get these scores. They sold it as three credit bureau score. And clearly written there they are based on fico score XXXX. 

In reply they sent me a email explaining the difference in score models. 
As you can see in the following email from them. And clearly ignored the real issue. 
that why there is so much difference in score when credit reports are similar, and were based on Fico score XXXX. 

Correct my score Hi, My credit report of Experian is identical to my credit report of XXXX, and they both are based on Fico score XXXX. My score at Experian is XXXX and my score at XXXX is XXXX. 
This is a difference of 46 points. This difference in my score is from almost 2 years since I started noticing that. 
My credit score at XXXX is XXXX. also based on Fico score XXXX. 

My question is please tell me why there is difference of 46 points. 

XXXX XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX regarding your FICO Score. 

We understand your concern that the Score you received might be different than one you received from a lender. 

FICO Scores are developed by XXXX XXXX XXXX. The FICO Score provided by Experian is based on the FICO XXXX scoring model. Many but not all lenders use the FICO XXXX scoring model. 

There are many different credit scoring models that can give a different assessment of the credit risk ( risk of default ) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO XXXX, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. 

At present time my score at XXXX is XXXX and at XXXX  is XXXX But my score at Experian is XXXX when credit reports are similar. This is difference of more then 100 points. No matter what Scoring model is used here difference is very big. 

XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca - XXXX ( XXXX ) XXXX XXXX XX/XX/2017.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: IL

Complaint narrative:
THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
Good Morning, On XX/XX/XXXX I filed to have my loan payment recalculated down from $ XXXX/month.  My documents sat there in the uploads with one part missing and no one told me. It was part of the application that is done through the federal student aid website. When I checked in on XX/XX/XXXX, I was told it was missing, so I added it. I was notified on XX/XX/XXXX that the loan recalculated, but it went up to $ XXXX/month, when it should have went down, as my family size changed and my alimony payments have been cut in half. I called immediately to ask that it be looked at again and am presently waiting on that. 

I do n't believe they are looking closely at the documents I have sent. I sent my paycheck, and my divorce documents. There is information that needs to be teased out when looking at these, like the dates of my alimony payments, which were to be $ XXXX/month starting last XX/XX/XXXX, and then go to $ XXXX/month nine months later. So as it stands, my alimony payments will be {$500.00} each month for the next 5 months, and then they will stop. This will add {$2500.00} to whatever they use as my base salary. I make {$32000.00} annually at my job, and I have started to work some overtime. This means that My base income will be {$34000.00} base pay until I re-certify a year from now. 

Travel reimbursement somehow gets lumped in to my gross on my check, so that needs to be scrutinized by someone who knows how to read a paycheck. I do n't know if they take into consideration what I would make after standard deductions on a tax form, as I am not using a tax form to recalculate, and they would n't tell me the numbers or formula they use to recalculate. If they tease out travel, and add a standard deduction of {$6300.00}, and 150 % poverty for a family of XXXX {$24000.00} ( which is the number I suspect they use to calculate though they will not confirm ), my discretionary income comes down to {$4100.00}. % 15 of  {$4100.00} divided by 12 brings me closer to $ XXXX/month. 

I need them to recalculate this correctly and be a little more transparent about how they calculate. I need to know they are using the correct numbers and looking at the documents I send. If they are not using the numbers I have used in the previous paragraph, I need to understand why. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
they want let me sign in

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I 'm XX/XX/XXXX I filed a dispute with XXXX, Transunion, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging 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 2017-11-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I 'm XX/XX/XXXX I filed a dispute with XXXX, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging 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 2017-11-21 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I was reading my credit report from XXXX and found that my credit score is affected by an account of a credit card that is not mine. The account is now closed, the balance is higher that the credit limit, the account does n't receive a payment since may and my credit is suffering. It says that I am authorized user and I have n't authorize nobody and no company to put me on any credit card of nobody. The account type is " Flexible Spending ''. The account was opened on XXXX XXXX, XXXX and closed of XXXX XXXX, XXXX. The actual balance is {$3800.00}, the limit is {$3400.00} and the highest balance was {$3900.00}. On payment status it says 120-149 days late. The creditor name is CITICARDS CBNA. I called XXXX and they told me they ca n't do anything because the receive the report from the creditor, that I need to call the creditor. I called CITI and they told me that there is no account by my name and that they have credit cards also for a lot of stores and that I need to call XXXX ( the ping pong game ). Now nobody can help me and my score keeps going down.

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 2017-11-21 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 have an account on my personal credit reports ( Equifax and XXXX ) with XXXX XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( XXXX and Equifax ) in order for the collection to be deleted from my credit file and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian LLC XXXX. Box XXXX XXXX, Texas XXXX Credit File Number : XXXX XXXX XXXX XXXX XXXX XXXX # *********** ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : 15 U.S. Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to  consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. Public XXXX XXXX XXXX XXXX XXXX XXXX Identification Number # XXXX Filed : XXXX Claim Amount {$8800.00}. 

This information should not be reporting on my credit report due to XXXX XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Experian credit report immediately.

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 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.

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 2017-11-21 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
IN XXXX XXXX WE GOT MORTGAGE LOAN FROM CHASE HOME FINANCE, LL NOT XXXX XXXX MORTGAGE LOAN XXXX OR TRANSPOSE FRAUDULENT LOAN XXXX. 

THEY OPENED 1 GOOD ACCOUNT AND 1 FRAUDULENT ONE BY TRANSPOSING TITLE NAME AND TRANSPOSING ACCOUNT SEE CREDIT REPORT AND LETTERS FROM CHASE. 

I HAVE DISPUTED THIS MATTER 13 TIMES IN OVER 10 YEARS WITHOUT CORRECTION. 

XXXX VIOLATING TILA, F.C.R.A. AND " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009.

Company response to consumer: Closed with explanation