vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 2019-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: FL

Complaint narrative:
I visited the bank in XXXX XXXX Florida with all the necessarily paper work. 
The young lady prepared the forms and said everything was in place and all I need do was wire the funds to their bank. I arranged for the money to be wired to the bank but it was rejected because the paperwork as prepared by their representative was incorrect. 
The money was returned to my bank less {$50.00}. 
I have spoken to a manager and he has not arranged for return of my missing {$50.00}. 
It has been 3 weeks and no response.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I called and asked what options were due to hardship of paying student loan. I was informed in XXXX 2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX  XXXX. The loan was charged off XX/XX/XXXX-19 and my denial was not tillXX/XX/XXXX-19. I was never informed of this sequence of events until I filed a XX/XX/XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by PNC Bank. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI

Complaint narrative:
I called XXXX XXXX because i have been receiving 7 to 8 calls a day from them regarding a debt and the representative XXXX called me a XXXX liar after i asked about settling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
Recently our mortgage servicing transferred to PHH from XXXX, we applied for Mortgage Modification Assistance more than 14 days prior to the sale as instructed by PHH, when contacting PHH to get a status on the modification request, I was notified that our request would not be considered because it wasn't made more than 37 days before the scheduled sale date of XX/XX/2019. Neither PHH or XXXX have sent us any documentation regarding the transfer of the servicing rights from XXXX to PHH, nor have we received any offers of assistance in lieu of foreclosure on this home. 

The property has been in foreclosure for several years and we have attempted to resolve the issues with the lender and they have been unwilling to offer any solutions for this foreclosure issue. At this time, the foreclosure sale is pending for XX/XX/2019. We have any appeal pending with the New Jersey XXXX Court and have also submitted a Motion to Stay the Foreclosure Sale pending the outcome of the Appeal. 

We are seeking intervention by the CFPB to stop the wrongful foreclosure of this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been working to clean my credit report and in contact with Midland Credit Management for over a year. They refuse to work with me on a settlement. They insist on payment plans for the full amount. I was on a plan and stopped because I couldnt afford it. Today I called once more to offer {$300.00} on the balance of {$1100.00} and this was declined. I would like information on the debt itself and how they came up with this amount in the first place. If I owe this balance, then I would like assistance in negotiating as they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Mortgage Financial is refusing to honor my Mortgage Modification that was accepted thru the HUD HOPE program. I completed the program thru XXXX XXXX XXXX where I was advised that I would be receiving paper work that outlines the fresh new restructured Mortgage interest rate and monthly payments. This was suppose to happen around XX/XX/2019. As of today, I am still waiting for this paperwork. I have tried to contact Chase yet my Relationship Manager refused to return my calls. Even my Financial Consultant reached out to this Relationship Manager and he was also unsuccessful. Due to Chase 's negligence in properly managing this mortgage and refusal to honor the new Restructured Mortgage, it has turned into a complete nightmare. I am being harassed by their Debt Collector ( who is a law firm ), who not only refuses to honor a cease and desist order but continues to file FRIVOLOUS Motions with Connecticut State Court of law and threatening me with foreclosure. 

Chases " explanation '' in the past to their blatant negligence is egregiously incorrect! Not only have they been calling a number that is not even mine, they are claiming they needed new information stemming 5 years ago which is new news to me. The mortgage was never 184 days late! They purposely refused payment due to their negligence in properly managing the mortgage. My Mortgage has COMPLETED THE MODIFICATION PROCESS! It has been restructured with a new interest rate and monthly payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Me and my ex husband were referred to loan depot to speak with XXXX XXXX a Lender to help with refinance of a martial property which through our divorce i was award half the equity. My ex couldn't get financed and XXXX helped with the process and she was advise he is very old school and doesn't like change and can't afford for his payments to go up a lot. my ex gave XXXX authorization to sign and my email to all the process on his behalf. to sign any documents. my email is on file and phone number, XXXX has been speaking and getting information and documents from me since the beginning of this loan. once it got to the end and I asked XXXX about the payment, she advise me over {$900.00}. I advise her I would speak with my ex and get back with her and also asked about the interest being lower. Well me and my ex spoke and decided the payments were going to be to much and place him in a hardship. I sent a email advising her we both agreed to cancel the loan since we have not signed. This is where things got nasty and harassing and want ever call pulled. XXXX who was a manager from processor stated she was sorry to hear that and she would have XXXX cash cancel the loan. I get a email from XXXX XXXX stating to me she can not cancel the loan because I'm not on the loan. me and my ex attempted to call her and left message she hung up and he left a message stating he wanted to cancel the loan. XXXX was advise to not contact us several times. she sent a email stating he was being pushed to say that. first off. I was awarded half the equity it would benefit me to go though with the refinance no cancel. then she advised me that he needs to call her manager no one was willing to cancel. so we called and speak with XXXX XXXX and he was rude and stated he couldn't speak with me and begin to advise to hold and I can call my ex on the other line. then when I got my ex on the line mr XXXX kept over talking and saying he could get the loan down another {$100.00} which at this point was point less and then asked if he could call him back. my ex call Mr .XXXX  and was told he was in contempt, so basically harassing and threating just because we said no. I need all the phone conversations pulled. XXXX XXXX has lied and gave misinformed information and her emailed pulled. as I advised to stop contacting me. she also called me on her personal phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have a adverse account collection on my credit report this was to be removed completely as part of my settlement I sued XXXX XXXX XXXX  and I won my case. I am a victim of hurricane irma this was supposed to be completely removed it shows as paid this was to be removed completely The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX-19, XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # 109 XXXX XXXX # 109 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called and asked what options were due to hardship of paying student loan. I was informed in XX/XX/2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX XXXX. The loan was charged off XXXX-19 and my denial was not till XXXX-19. I was never informed of this sequence of events until I filed a XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by XXXX XXXX. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.

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 2019-06-13 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: College Foundation, Inc.
State: TX

Complaint narrative:
Late payments have been reported to credit agencies but the loans were supposed to be in forbearance. When trying to contact the company you have to wait 30 minutes to an hour to get someone on the phone and even then they will give you incorrect information. Their website has been consistently down so even when I tried to access my account it would not let me and would tell me to try again later. They have made it impossible to get correct information and to keep loans current. I have had a 100 % payment history on my credit report my whole life until this incident. I have loans with the company that XXXX transferred the majority of my loans to a long time ago and have had ZERO issues. I don't know why XXXX makes it so hard and then unfairly reports credit issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2019, I responded to a Capital One promotional flyer for applying to obtain a credit card. I authorized one and only one inquiry. Per Capital One I was denied the Credit Card. 

To my shock when reviewing my credit report this week, it reflected two seperate credit inquiries. One I  authorized on the XX/XX/XXXX and another the next day XX/XX/2019. 

I did not authorize an additional hit to my credit. I called Capital One and after being transferred spoke today, XX/XX/2019 at XXXX to XXXX and then to XXXX . I was told to write a letter to Capital One i n XXXX XXXX XXXX Utah and they would investigate the situation. I told them I would like an email or phone number to call as this was very serious to me and that it was Capital One 's Fault and not mine. Who in their right mind would be denied credit on the XX/XX/XXXX and run their credit on the XX/XX/XXXX? 

I find this response to their error aggregus. I am a Senior Citizen and should not be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX - XXXX. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.

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 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I opened a Best Buy Visa to make a purchase online. The item I received was returned on XX/XX/XXXX at their XXXX XXXX, PA store. When returning the item, I told the clerk that I hadn't received my credit card yet but asked if I would still be able to make a purchase and he informed me as long as I had my ID, I would be able to make a purchase. I attempted to buy a cell phone, and at the end of the transaction, the young woman who was checking me out had to call the credit card company. After answering all their questions to verify who I was, they would not allow me to use the credit card until the bank got a hold of me through a phone call that would take about 48 hours. I never received any phone call. Today XX/XX/XXXX, I received my credit card in the mail. I called the number on the card and talked to a man named XXXX after XXXX XXXX. He informed me that the card could not be activated until the bank got a hold of me. I explained to him what happened at the store and that the bank had never gotten a hold of me. I told him just to cancel the card, and he said he is unable to cancel it till I receive information from the bank. I then said I would like to talk to the bank and he informs me he is from the bank. I asked to speak to a supervisor, and he puts me on hold. He comes off of hold and unfortunately, tells me there is no one to talk to right now and to call back in an hour. I do not understand what their problem is, but this cost them a sell at the store level, and they now have a very frustrated customer. Please help us solve this issue. 
Thank you, XXXX 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 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I was charged twice for my XXXX membership annual renewal. I disputed one of the duplicate charges as I only should have been charged once for my Annual Renewal. I contacted XXXX and they acknowledged that they mistakenly charged my account twice and I only should have been charged once but when one of the duplicate charges was credited back, they cancelled my XXXX membership number that was attached to my Costco Credit Card. This caused my Citi Costco Credit Card to be cancelled through no fault of my own. 

I have contacted both Citi and XXXX and they have both acknowledged that my account should be active and that the Costco Credit Card should still be open as well. Citi initially offered to attempt to re-open my account pending a Hard Credit Card Pull and I declined that authorization as my account should not have been closed in the first place. I checked my Citi account today and my Visa Costco Credit Card it is still closed.

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 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX rewards Master Card, I notified a credit card debt worth {$200.00} usd, XXXX says to spend that money charged to a credit card completed in # XXXX which was not requested by me. 

I want to clarify that I had another card with XXXX which I used and paid, but the debt of {$200.00} usd was with another card that I did not request. 

They started sending me notifications from XXXX in texas ( tel XXXX underwriting department ) to declare me in bankruptcy, then they said that they had passed my account to MIDLAND CREDIT MANAGEMENT with number # XXXX and they demanded payment of {$190.00} usd arguing that my dispute had been negatively failed and that I should pay. 

the pressure was so much saying that my credit would be damaged that on XX/XX/2019, I paid {$170.00} usd with my XXXX  XXXX XXXX account, where they asked me for my card information. 

the payment was made to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ext XXXX ) and they charged me {$170.00} usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: FL

Complaint narrative:
I am a victim of identity theft ad notified Equifax. as per dispute answer from Equifax they said they said the fraudulent item is not showing on my report. as per my XXXX XXXX account Equifax does still list the fraudulent account XXXX XXXX Opened XX/XX/2018.

Company response to consumer: Closed with non-monetary relief