vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2018, USAA put a hold on my account due to a fraudulent check being placed into my account. The check states " PAY TO THE ORDER OF XXXX XXXX '' .. To whom I do not know also on the fraudulent check has this persons ' address for XXXX XXXX. The amount of the check was in the amount of {$2300.00} which I would have never approved.. Also on the check states XXXX XXXX XXXX XXXX. As I continue to examine this copy of the fraudulent check that USAA provided to me, states on the back ENDORED BY XXXX XXXX. With a signature that is not mine. with an account number and stating it was thru mobile app. Now this complaint is to understand that the USAA BANK should have never allowed the mobile app banking to put a fraudulent check into my account without making sure it was okay. I should not be held responsible for this check amount. USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX. XXXX XXXX TX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX A Motion for Judgment on the Pleadings was mailed to my residence from XXXX XXXX XXXX stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to XXXX XXXX XXXX stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. XXXX XXXX XXXX used this letter as an answer to an unserved summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

XXXX XXXX XXXX was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that XXXX XXXX XXXX has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.

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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I only miss onXXXX payment since I've been with Wells Fargo home mortgage. My monthly mortgage is XXXX .I contacted the mortgage company and imformed them that I had a major problem that needed immedaite attention my son was XXXX  I had to support him. I ask if they would put the payment on the end because I would not afford to make this payment up because I am XXXX  and I'm on a fix income. 
Wells fargo offered to give it's customers a three month deferred payment about five years ago due to a hurricane disaster that affected my state. Now since I miss this one payment they are sending me harrassing phone callsa and claiming I'm XXXX in the rears. What I need to know is if I only miss one payment of XXXX how do I get to be XXXX XXXX plus more in dept. I did not ask for the deferred payment, this was offered to all N.C. residents that were affected by the hurricane. Please Help because this is affecting 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 2018-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
After I have rejected offers from Mr. Cooper ( Nationstar ) to refinance my mortgage, multiple times, they have now resorted to retaliatory tactics. They refused to process my XXXX payment on XX/XX/18 ( I have evidence that I scheduled the payment and they acknowledged it ). I received an alarming text message on XX/XX/18 indicating that my payment was now late and offered options to pay it. I have NEVER MISSED OR MADE A LATE PAYMENT ON THIS ACCOUNT AS MY CREDIT HISTORY INDICATES! I immediately called Mr. Cooper and spoke with a representative who first said the payment was reversed because the bank account rejected the ACH. I confirmed for her that the bank had not rejected the payment because the funds for more than sufficient to cover the payment. She then said that the note on the account said that the bank account was not valid. I have evidence that this is the same bank account that Mr. Cooper has debited several prior payments fromwithout issue. 
I became irate and told her that this had better not impact my credit because I have done exactly what I was supposed to do and had made my payment on time using the same method as I had done for recent payments. The representative said that it would impact my credit because my payment was now late. She then asked me if there was a homeowners association and if my dues were current because the HOA could foreclose on my home. WHY IS SHE EVEN TALKING TO ME ABOUT FORECLOSURE?! And whos ever heard of an HOA foreclosing on a home?! 
At that point I knew exactly what they were attempting to do. I took actions to thwart their obvious attempt to put me in a position that would allow them to accelerate foreclosure on my home or bully me into refinancing my home with a NLMS who has a reputation and documented history of these types of activities. I posted not only my XXXX payment ( for a 3rd time, from a different bank account-XXXX  ) on XX/XX/18, I also on Monday, XX/XX/18, posted my XXXX payment from my XXXX bank account. That same day, I made an inquiry with XXXX XXXX XXXX XXXX. I asked if the mortgage payment had been declined. The bank representative gave me an activity printout and it did not show that the draft had ever been presented for payment as it had in previous months. I have the printout. 
On yesterday, XX/XX/18, I checked my credit report and Nationstar has indeed flagged my account as delinquent, 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2018 my husband XXXX & I vacationed in the XXXX . Each morning the EURO rate was posted at the front desk. You then could calculate how much you would be spending each day. XXXX signed a few receipts ( MasterCard thru Citizens Bank ) with the " EURO exchange on the bottom of the receipt ''! Citizens Bank will not honor the exchange rate for the day. The MasterCard bill was astronomical. Why isn't the bank honoring what my husband signed his name to? They are known for no transaction fees or hidden fees. How did they arrive at that calculation for each day? 
PROBLEM : Exchange rate at hotel is different from Citizens Bank. XXXX also has a different rate for each day we were on vacation in Europe. 
3 different rates, please advise as we need assistance with this. XX/XX/18 telecom with XXXX supervisor XXXX for Bank. XX/XX/18 XXXX manager of credit dept. read from a policy on paper to my husband and the bank would not honor what XXXX signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: KS

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax and XXXX  to delete an account on my credit report for XXXX XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX XXXX KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX  XXXX originally posted the collection account on both Equifax and XXXX  in the amount of {$1400.00}. After the judgment, they changed the collection amount on Equifax and XXXX to {$880.00}. I sent Equifax and XXXX  all supporting documents from the court case and after my dispute was " investigated '' by Equifax they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. XXXX stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX  XXXX on XXXX on XX/XX/XXXX and Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. 

Late last year, XXXX or XXXX of 2017, I paid off a Walmart charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( Walmart change card service provider ) that the creditor had received a US Postal return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : Walmart XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. 
The following morning, I called XXXX XXXX and was told it takes three days to " unlock '' the account so they can speak to me about it. 
Today, I called XXXX XXXX  and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. XXXX XXXX  is not currently reporting the account as of the report pulled on 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 2018-09-28 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: CORELOGIC INC
State: HI

Complaint narrative:
Corelogic credco supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which XXXX XXXX XXXX used to deny us 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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Please refer to the attachment which describes my complaint in full detail. In summary, I received a " targeted '' offer from the American Express Delta Skymiles Gold card. It was a " targeted '' offer because it not only contained my name, address, etc. but a unique ID number that was specific to me. The incentive on the offer was a {$50.00} statement credit and XXXX Delta Air Lines Frequent Flier miles after meeting the requirement of making total purchases of {$2000.00} within 90 days of receiving the card which I performed. Subsequently, American Express refused to honor the incentive claiming that I had previously received this offer. I asked American Express, if I had previously received this offer and did not qualify for it, then why was I not only targeted with a unique ID offer number but when I applied for the card, there was no decline by American Express stating that I did not qualify for this offer. American Express could not answer my question and I am seeking the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
Company has wrong information and continued pursuit of payment. Account was a debt settled with insurance for XXXX  appt. Continued to be billed for charges covered by insurance. Unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.

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 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
They call twice each day and only let the phone ring twice/disconnect when I attempt to answer ( from numerous lines with a XXXX area code ). I do not have any outstanding debts so these calls are either intended for the person that previously had my number or are an attempt to illegally collect funds/a bogus debt. I've filed multiple complaints with donotcall.gov and am on the do not call list. 

My cell phone number was recently " spoofed '' and I believe this disreputable company ( Diversified Consulting, according to an internet search ) was responsible since it happened at the same time these calls started. Since they don't know who I am and they're working a scam, I'm unwilling to provide any identifying info beyond the phone number they're already abusing ( and which will need to be changed if this continues ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Spent several hours on the phone and online on XX/XX/2018 with EQUIFAX attempting to help my XXXX year old father put a freeze on his account for security purposes. The EQUIFAX call center is in the XXXX and my father had a very difficult time understanding their English. The EQUIFAX reps refused to allow me to help him. They ask him numerous very difficult questions regarding his identity, such as his current credit card balances, old residential addresses including old zip codes, etc. When I attempted to help him answer, they refused my assistance. We finally gave up in frustration. My repeated attempts to freeze his account online were also fruitless. Each time I submitted all the information they requested I was looped to the beginning and was never able to confirm the freeze. The mail in form they directed me to has a glaring typo in the first sentence and an XXXX, Geogia address that does not match other addresses that I found for Equifax. That Address is : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ge. 
XXXX. The form I found online is entitled, EQUIFAX FREEZE REQUEST FORM. Please note the typo in the first sentence and the lack of clear instructions. I had no diffiulty in freezing my father 's accounts online with the other three major credit bureaus. Inasmuch as the geniuses in charge of EQUIFAX created this nightmare through their incredibly incompetent business practices, I would think they should be required to offer far better service. Thank you for your assistance in this matter. 
XXXX XXXX, caregiver  for my father XXXX XXXX

Company response to consumer: Closed with explanation