vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I have been having issues with Carrington Mortgage Services since XXXX of XXXX. Carrington keeps sending me letters that I have missed payments. I have records of every payment I have made to them. I have NEVER missed a payment since day one. I will send you everything. Every time I receive letter, I send copy of payment to prove it was paid. I have talked with everyone in that company and get a different answer every time with nothing ever being resolved. On XX/XX/XXXX, I received a certified letter from Carrington that I have not paid since XX/XX/XXXX and they are going to foreclose on my house. I don't no what to do at this point. I am going to attorney tomorrow but she said I should also contact you. The amount they say I owe is XXXX, which also keeps changing. Have never been charged a late fee. This company will not deal with you and now threatening forclose for no reason. Carrington 's number is XXXX. Address I will mail all documentation since there is a lot. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: KY

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: DC

Complaint narrative:
We signed a modification in XXXX and in XXXX regarding XXXX XXXX XXXX XXXX, Washington D.C. and those delinquent payments were to be placed at the end of the loan and paid at maturity. But the servicer XXXX and XXXX XXXX has missed applied the payments by apply payments made pursuant to the modification to the delinquent payments which are higher than the monthly modification payments, At the time that the servicer XXXX computed the modification for XXXX they missed applied more than {$30000.00} to the delinquent payments that was to be placed at the back of the loan. 

Now XXXX  has applied current payments made pursuant to the XXXX Modification to payments that is not due until maturity. XXXX  has not given the borrowers a fair opportunity to make the payments pursuant to the XXXX modification or the XXXX modification because of their practices of entering into a contract and misapplying the mortgage amounts to the months which aren't due. 

It is clear that XXXX does not intend to respond to this agency regarding this matter. or to the owners complaints. XXXX will most like cut an past their answer. The XXXX Loan Modification was in writing and binding to all parties. I  agreed to the contract in writing to XXXX XXXX and XXXX XXXX confirmed my agreement via in writing. The borrowers did not received in other document in writing regarding the loan modification. The first payment was made on or about XX/XX/XXXX and a second payment pursuant to the Loan Modification was made in XX/XX/XXXX. The borrowers also made additional payments pursuant to the XXXX Loan Modification that totaled about {$36000.00}, in XXXX which was received by XXXX XXXX the servicer on XX/XX/XXXX. But XXXX  has not provided the borrowers with an explanation where or when that amount was applied to the mortgage. On or about XX/XX/XXXX the amount owed on the mortgage was XXXX which almost doubled with XXXX without any explanation as we requested. The last servicer amount due on the mortgage was pursuant to the XXXX Loan Modification and the XX/XX/XXXX lump sum payment the servicer transferred to XXXX. But in XXXX -- for some odd reason,

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
opened an account with an expired ID online used account for XXXX XXXX and entered the bank on XXXX with the expired ID withdrew money from my account with no issues entered bank on XXXX to withdraw my rental payment again with the same expired ID and the would not do withdraw so I left they then locked my account without my knowledge I went into my local branch to get the account unlocked the assistant there at the branch put in all my info to their security department and said my money will be accessible on monday the XXXX I left the bank and while driving back to work that same assistant withdrew {$820.00} from my account without my permission and put it in a cashiers check and when I looked at my account online and saw the money was taken out of my account I called her and she said she did it so I could at least pay my rent ARE YOU KIDDING ME RIGHT NOW THEN I WENT IN ON MONDAY TO SPEAK TO BRANCH MANAGER AND HE DID THE SAME THING PUT IN ALL MY INFORMATION TO THE SECURITY DEPARTMENT AND STILL REFUSED TO GIVE ME MY MONEY THE ARE NOW CLOSING MY ACCOUNT ON XX/XX/XXXX AND MAILING MY MONEY I WILL BE HOMELESS BY THEN AND MY KIDS WILL BE TAKEN FROM ME BECAUSE I CANT FEED THEM AND I WILL LOOSE MY JOB FOR XXXX TRANSPORTAION THEN I LOOK ON MY ACCOUNT ON TODAY AND CHARGES ARE MADE TO MY ACCOUNT ON DAYS THAT MY ACCOUNT WAS LOCKED WHO IS USING MY MONEY HELLLLLLOOOOOO HELLLLLPPPPP

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 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC customers may be somewhat shocked at how difficult, time-consuming, and expensive it is to schedule a wire transfer. I have been on hold for two hours trying to schedule this wire transfer for a home closing that is now in 2.5 hours. I was initially on hold for 50 minutes and the call dropped after the hold music timed out, and now I have been on hold for about an hour after speaking with an initial representative ( useless step ), the escalation department ( who was also useless ), and finally onto the wire department. 

My home closing is now in jeopardy because it took me hours to schedule the wire. I eventually got through and was taken care of professionally, but it is clear that PNC is understaffed and needs to invest resources into this function, or is avoiding doing so to keep funds in PNC. Further, the wire fee was {$45.00}. Quick online research indicates that {$10.00} is the standard wire fee that most every bank charges. This is price gouging. 

I want the CFPB to look into the business infrastructure and whether PNC just needs to invest more in their customer-facing business lines or if they are purposely making wires difficult, and secondly investigate the price gouging. They might be the highest fee for wire transfers of any Top 20 financial institution, and these fees are certainly not  advertised or else I would have switched to a different bank in advance of my home closing. I was naive to expect my own bank would be a smooth process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: KY

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-01 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: KY

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
Williams & Fudge Inc. Has performed 4 ( Four ) Hard Inquires on my credit report, according to XXXX . All inquiries were not authorized for as I'm not currently conducting the business of any kind with this agency. 

Their unauthorized inquired continue to harm my creditworthiness as I'm currently rebuilding my credit and these tactics will continue to prevent me from successfully gaining a healthy credit status on my record. 

Inquiry # 1 - XX/XX/2019 Inquiry # 2 - XX/XX/2019 Inquiry # 3 - XX/XX/2019 Inquiry # 4 - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
In XX/XX/2017, I started a new job in XXXX  and rented a one-bedroom apartment in XX/XX/2017 from XXXX XXXX  ( XXXX XXXX ) on a 1-year lease. 

Due to problems on the job and a family issue ( my family lived in XXXX XXXX XXXX while I worked in XXXX ), I had to break the lease in order to relocate back to XXXX, and I paid an extra 1-month rent to break the lease based on the lease agreement. I also paid up my apartment rental fees up to date. 

I ensured to clean up the apartment before I left the XXXX XXXX. No debris or items was left-over. Nothing was damaged either. By cleaning, I meant I cleaned-up the bathroom, kitchen and the carpet. I did not collect my security deposit and the garage deposit before I left. 

However, after I had left the apartment in XX/XX/2017, XXXX XXXX   started harassing me with another bill, claiming the stove and the bathtub was not cleaned enough. 
I explained how I had taken my time to clean up the kitchen, the bathroom, living room, and the bedroom. All my explanation fell on deaf ears and XXXX went on to charge off a {$420.00} that they made up, to a collection agency, who in turn forwarded it to the credit bureau. The collection has already hit my credit account status and had brought down my credit score from over 700 to just above 600. 

I have a 3-bedroom rental property in XXXX as well and we don't treat renters like I have been treated - i.e. XXXX wants me to essentially bring the bathtub and the kitchen to a NEW status after it has been used by several tenants. It is a known fact everywhere, that both landlords and new renters have to do a little cleaning to move in on day 1. 

Right now, the {$420.00} undeserved bill is hurting my credit score. I need the assistance of the credit bureau to help me assess the ill-treatment I have been accorded by XXXX XXXX. 

Thanks, 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 2019-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
TFC Credit should not have been reporting me late because they had already sold the debt. This company did not have the debt for many of the months that is showing over 90 days  late. This needs to be correct. They did XXXX the balance but told me I would need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a Bankruptcy showing on my credit report that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dates : XX/XX/XXXX - XX/XX/2019 Amount : around {$1000.00} CITI bank lender gave me a relatively lower rate for my refinance on the mortgage and promised to close in 30-40 days. The lender asked me to pay for appraisal before hand and she will reimburse later. However, the lower rate she locked doesnt work out after almost 2 months, and she can not close it. The lender called me with a very rude altitude and asked me to pay for the appraisal by myself. 

I want to get an apology on the rudeness and nonprofessional service, also the bad words that she said to me. Also I would like to see Citibank to reimburse the appraisal as well as the time I spent on this issue

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 2019-10-01 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: IL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX/XXXX / {$790.00} / {$2000.00} / {$1200.00} Opened XX/XX/XXXX This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX {$7700.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX $ XXXX {$180.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

Inquries that are due to Fraud! I have not been able to get into my Equifax Credit report for some time now and it is because every time I call I can not get into the file with an agent because of all the Fraudlent items opened on my account that I am not able to verify because they are not mine! I was finally able to go online and see my report and as I thought all types of fraudlent things are there. Over 20 inquiries that I sent in a dispute for on XX/XX/XXXX and they most likely will not delete them as usual. It is runing me from purchasing things that are needed to survive in life. 

Inquiries : Fraudulent! 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.

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 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and more dates they have repeatedly called me at different times through the day. I am very frustrated with the sheer volume of the calls I receive. And when I block a number, they call me on a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I attended XXXX University for XX/XX/XXXX-XX/XX/XXXX, but was withdrawn due their changing the XXXX track for XXXX XXXX and a balance due of {$1100.00}. A loan of {$20000.00} was paid to XXXX, an interest check of {$20000.00} was paid to XXXX in XX/XX/XXXX by Navient. This was initially Sallie Mae. Since this time, the {$20000.00} loan has accrued interest totally {$250000.00} as of XX/XX/XXXX. The monthly payments average {$2500.00}. I can not pay this amount and should not be required to pay this high interest. Furthermore, I did not obtain a XXXX degree from XXXX. This high balance has affected by credit, getting employment, loans, and overall way of life. I have been unemployed for almost two years, but may be able to settle this account for a one time payment of {$2500.00}, with a  forgiven balance, with this high account be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
To whom it may concern.Ocwen changed its name to PHH mortgage.Several issues.My account can not be located online but I recieved written correspondence Noone available via telephone.Payment not applied..I use online billary via my financial instituation therefore payments can be tracked.Mortgage amount is not the same as under Ocwen.No available mortgage identification number can be located on the internet.Thank you.Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I tried to apply for a mortgage on XX/XX/XXXX with several different lenders. Each of the lenders was unable to pull my Equifax credit report. XXXX and XXXX have had no problems and each report my credit card that I have had since XX/XX/XXXX. I called Equifax and was asked to fax in copies of my Social Security card and Driver 's lisence to verify my identity. I faxed in the documents on XX/XX/XXXX and waited the 7 days that they asked to process the documents. Even with the help of the documents, Equifax was unable to find any record of me in their system. Equifax asked that I reach out to my bank to verify that they send my credit card report to Equifax. I talked with my bank who verified that my statements have been sent and confirmed by Equifax ( See attached email ). My bank and I both reached out to Equifax on XX/XX/XXXX and have not been able to get a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
on XX/XX/2019 I was charged XXXX for a service I no longer have with XXXX. I tried calling direct express to dispute the charge but it would not let me. I was unable to speak to anyone. I called over 20 times and it kept giving me the same response it could not help me. I deactivated the account with company over a month ago and they are still taking my money. and I want it stopped and I want my money back in my account.

Company response to consumer: Closed with explanation