vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
received a notice that our payment was going up {$400.00} in may. When we called on XX/XX/XXXX ( we had our wedding planned, so didn't do anything until XXXX ) we were told that they did not pay our home owners for XXXX. When we investigated this they said they paid out the remaining escrow account and applied the difference we were continuing to pay to the principle, and not escrow acct. When we asked why we were not notified they stated we sent a letter. Now they state that our payment is going up as they have done a new assessment that includes home owners, and they need to refill the escrow acct. They states that they did not pay the home owners for XXXX because it was in husbands name only, and mortgage is in my name. We asked for a payment history so we could verify that the payments we sent were received and that they had put payment in the incorrect spot.This was verified by their payment history. we also saw that they did pay the home owners for last year, even thought they said they did not, and they didn't place the correct amount of money in the escrow acct for the year. Now they are saying we need to pay the difference since they misapplied the payments.They are also sending back our payments stating that we have not paid they appropriate amount, even though our payment history is equivalent with our mortgage paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019, received a calls to lower my interest rate on credit cards. In which I still do, I talked to 3 individuals one representing to lower the credit card rate has for my information, next I k ow I received a call from XXXX  stating I was approved.I reck the credit card XX/XX/XXXX but I never called in to open the account. But on XX/XX/XXXX I received a statement with a transfer to a XXXX XXXX XXXX  for XXXX.I never in my life dealt with this company never.

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 2019-07-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was a student at XXXX XXXX  on Financial Aid. I had limited funds left, however, I was told I had enough for one more term with them, so I enrolled. When the loans got disbursed, it showed that I actually owed money instead of receiving money, so I immediately called and emailed my enrollment coach. They looked into, and I even got in touch with the Financial Aid office in XXXX, who stated she was confused because it showed I had money available. I immediately withdrew to avoid any further charges, and then I started getting collection notices from XXXX last XX/XX/XXXX. I wrote them back via email 3 times and with letters, 3 times as well stating the issue that I was not responsible for the amount they were charging me. The last email I sent was dated, XX/XX/XXXX. I didn't receive anything for awhile, so I thought they took care of it, and then last month it showed up on my credit. I disputed saying it was fraud, but the results came back saying it was verified and accurate. I don't agree with this as it wasn't my fault. The school gave me misleading information about funding I had available. They are responsible, and I want this removed from my credit. The account is in collection by a company called General Revenue Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX x XXXX for the amount of {$390.00}, which is incorrect, the amount from XXXX is {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: LEXISNEXIS
State: SC

Complaint narrative:
I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
i owed dr XXXX XXXX and it was sent to focused recovery and i complained about it to you and it has been 3 yrs and they still say i owe XXXX you took it off and then it was still on i need it taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The debt ( {$250.00} ) was paid in full 16 months ago ( XX/XX/XXXX/XX/XX/2018 ).

They submitted DEBT/ COLLECTION to 3 Credit Agencies which is still there 16 months later.

I have sent 4 Faxes and called them and they are not responding to my calls or faxes.

I contacted the Original debt owner and they stated that I may have a REFUND.

My credit / APR / has been NEGATIVELY AFFECTED ( for 16 months ) by a company that posted INCORRECT information and is now ignoring my attempts to clear it.

I have already submitted confirmation of payment by check " CASHED '' by XXXX XXXX.

According to XXXX XXXX XXXX XXXX staff, CMRE performs " billing services '' for XXXX XXXX XXXX, but they are NOT reviewing accounts, they are not communicating and they are not answering calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: OH

Complaint narrative:
Hi - This accounts is display 4 time on Trans Union and DPT ED/XXXX # XXXX and is DELTED/REMOVED OFF XXXX  and XXXX. Why is still displaying on Trans Union. Please removed ASAP as there was no investigation or the accounts would not be in exist.

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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... 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 2019-07-01 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: SC

Complaint narrative:
I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... 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 non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have student loan debt with Navient Student Loans. This month will be the first time I couldn't afford to make a payment due to my rent increasing plus other unforeseen financial problems ( having to pay the IRS first time too ). So yesterday, XX/XX/XXXX, I went on my student loan website to apply for a deferment and forbearance and I was declined due to " not qualifying. '' I called the company today ( XX/XX/XXXX ) and the representative told me the same thing ... '' You don't qualify. '' I informed her that I need a temporary postponement until XX/XX/XXXX. She told me that my account will fall into " delinquency. '' I told her that is the very thing I'm trying to avoid happen because I have spent the last 2 1/2 years cleaning up my credit so I can buy a house and that I don't want student loans hitting my credit! Not only that, Navient is not the only student loan company that I'm paying this month. I have another company that I pay per month too, but won't be able to due to money issues this month. I personally believe that this company is a thief! They charge me a late fee of {$6.00} even though my payment is always made the month before the amount is due! Also, they charge me a {$31.00} " unpaid fees '' charge every month too. Then to add insult to injury, the one time I can't pay Navient can't help me even though they claim they are here to " Help. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX To whom it may concern.

On XX/XX/XXXX I contracted with Wilshire Consumer Credit / Westlake Financial for an auto title loan. I have satified the standard amortized 36-month loan with 36 full payments but the company now tells me that I still owe {$790.00} after the last installment was paid in full on XX/XX/XXXX.

The following details come directly from the contract 's Federal Truth In Lending Act Disclosures page : Amt Financed : XXXX Finance Charge : XXXX Total of Payments : XXXX   Interest Rate : 83.49 % Number of Payments : 36 Mo. Installment $ : XXXX Payments due starting : XX/XX/XXXX Again, I paid my last ( 36th of 36 ) payment of {$200.00} on XX/XX/XXXX. There is nothing on the contract disclosing any extraordinary fees, monetary amounts ( ie. balloon payments ) or conditions -- it's a standard amortized loan contract.

My loan has never been in default or ever had a 'balance due ' from a previous month. Over the account 's 3 years there were 3 small issues detailed below : I. Twice I've been late on a full installment payment by the due date but both monthly installments were paid in full before the next installment cycle -- never 30 days late. Never was a balance forwarded to the next month, and the two late payment fees of {$10.00} were paid before the next month 's due date. Every month my account has been " current ''.

II. In XX/XX/XXXX I requested an extension due to financial hardship. My extension was approved by Wilshire for the month of XX/XX/XXXX and my XX/XX/XXXX statement reflected the appropriate monthly installment of {$200.00} ( no past due, penalties ... ). This extended my loan 's maturity date one month from XX/XX/XXXX to XX/XX/XXXX.

Again, my account has always been current and has never had a monthly balance forwarded to the following month.

I called Wilshire last week ( XX/XX/XXXX ) regarding this {$790.00} balance. The agent gave a few 'possible ' reasons for the remaining balance but I pointed out none of his 'possible ' explanations were accurate. He obviously was, or pretended, to be incompetent regarding amortized installments loans and the specifics of my account. I requested to speak with a supervisor to get an accurate and truthful reason for the remaining balance. I again explained that I've paid 36 full installments and have never been in default or more then 30 days late on a payment. The supervisor could only tell me that the statement showed the balance and that's what I owed.

I can't get any accurate information from Wilshire. Your help is appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MO

Complaint narrative:
on XX/XX/2019 i submitted a dispute online with equifax for two collection accounts. On XX/XX/2019 i was informed by my credit card company XXXX XXXX that my acct was being disputed and they had to close my account due to my request. I contacted XXXX XXXX on XX/XX/2019 and was told by a agent that equifax disputed the account stating that this account didn't belong to me and in order for them to reopen the account i must have something from equifax showing that i didn't dispute it. I contacted equifax on XX/XX/2019 and spoke with a supervisor who refused to close the open dispute and stated that it was a error on their end and she didn't know how all accounts was disputed. equifax admitted to fraudulently disputing all my accounts even though the legal document didnt have that information on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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:
XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
# 1 Home Depot Credit card - the store checkout person sold - you will get a discount. 
1. I signed up, with our excellent credit, got approved for one transaction {$120.00} 2. Returned some stuff, account was down to {$54.00} 3. When I tried to pay, it said you were trying to pay more! Rep said there was a pending return slip of {$53.00}, and took that payment {$1.00}. Ok {$0.00} balance, right? 
4. Wrong! XX/XX/19 - I looked online, had late fee of {$28.00} on top of $ XXXX- {$1.00} ~ {$53.00}. 
So I called them, and paid with {$53.00}, rep said will delete late fee. 
5. XX/XX/19 I check online account, yup ANOTHER late fee, called rep, saying first no {$53.00} payment, then more detailed that yes there was a payment {$53.00}, that was deleted later, that is why ANOTHER late fee and {$53.00}. But wrinkle was that actually only {$45.00} due in their backend system. I offered to pay with a credit card so to get a compete account. 
6. XX/XX/19 XXXX - asked same rep in # XXXX above to bump to supervisor XXXX emp id XXXX and she said cant take credit card even if charge convenience fee. She took my debit card to pay off account {$53.00} and I asked to close account. Conf # XXXX. 

4+ rep interactions - Consumers time got to be worth minimum wage! 
Home Depot is awful in credit card DIS-services. 
My advice - don't fall for their promos, etc. 

# 2 A separate fear I have, is that returns are nickel-and-dimed, not sure if all of them made it, as the background entries show discrepancies - like pig in a python .. the digestion seems to take month+. Witness {$54.00} shown, but -XXXX credit " return pending '', then next time -XXXX only not -XXXX due. 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 2019-07-01 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: GA

Complaint narrative:
XXXX XXXX  {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX and I am facing a hardship and have not made my mortgage payment for 3 months and do no want to lose my home. I have visited with a housing counselor and advised I contact the CFPB because my loan has been transferred to a servicer I can get through on the telephone to see what my option are. We have sat in the office of my counselor for hours to no avail. I would like to have someone from PHH Mortgage Services to contact me to resolve this matter.

Company response to consumer: Closed with explanation