vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a fire in my apartment on XX/XX/XXXX and all of my personal paperwork ( SS cards, financial statements, check and bank statements etc. ) for me and my son XXXX was burned destroyed in the fire along with furniture, clothes and everything we owned in it. I have a fire report and back up to show all this information. After the fire I had called the SS security office to alert about my number and my sons card being lost so that they can be on alert for identity theft. I also alerted the three credit agencies XXXX and XXXX too. In XXXX of XXXX, I was alerted through email through XXXX XXXX about my credit report about a Home Depot account being opened and right after that Home Depot called me to say my account was past due. I told them that I didn't open it and that it was fraudulent and they said they would take care of it. Recently, I was reviewing my credit report scores and notice that Home Depot was on my report and I called AGAIN to find out why and they said my son XXXX took out the account and sent orders to the address where the fire was and we no longer live at since XX/XX/XXXX. I am currently waiting for them to send me statements that DO NOT prove anything except Identity theft so that we can go to court to get this {$260.00} charge resolved. This company is a disgrace and the fact that they anyone can just open up an account concerns me and says something about Home Depot and how they protect from identify theft and their customers accounts.

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 2019-03-08 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: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/2019, I sent certified letters to XXXX, XXXX, and Experian disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.

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 2019-03-08 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: FL

Complaint narrative:
I have already disputed this account with Trans Union and I have filled out all the paperwork that someone has been using my ID for accounts XXXX XXXX XXXX # XXXX, Trans Union has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The FCRA is pretty clear on Civil liability and outcomes available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-03-08 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: AES/PHEAA
State: TX

Complaint narrative:
FOUND OUT SCHOOL WAS A FRAUD.NOT ACCREDITED. UNDER LAWSUIT BY OTHER STUDENTS. CHARGE ME {$120.00}, OOO TO ATTEND. WHICH TO PURSUE LAWSUIT. WANT LOAN REMOVE FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
My account was reported 30 days late to the credit bureaus. The issue was that I never received the account statement. Previously my account payments were never late, I have maintained excellent payment and credit history. When I called to check my credit card, I found out that there was an outstanding balance, I went online to make the payment right away. This included the late fees imposed in the amounts of {$30.00} and {$15.00}, totaling {$45.00}. I paid the entire amount and called in to speak with customer service. They told me I don't owe anything, the account is paid in full but they can't help me correct the negative item on my credit reports with XXXX and other bureaus. I spent almost an hour, called three times and was told the same thing. I gave up and finally filed a dispute with XXXX about that negative item on my credit report. That has dropped 99 points from my credit score, which is hurting my credit history. This is not fair especially considering that I don't owe anything to the credit card company and had maintained an excellent record with them and other companies. They must inform the credit bureaus to delete the negative item right away.

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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
my complaint is that the company has not allowed me to resolve my problem they continue to file foreclosure notices driving what I owe up in fees. I am upside down with Facts : I am requesting the bank hold off until all the processes of modification request and other options are completed. 
I now have a steady income and can afford to keep my home. I am working with loan servicer Ocwen. 
They service the loan for XXXX XXXX. I have had to deal with people who sound like they are located outside the country. 
I do get a response and the representative is very polite ; but offers little or no help except repeating a script. I have called all the resources they offered, and the lines are not available any more. The present state of my loan is that I presented a modification request and a forbearance for a year. I can not afford a lawyer and am representing myself. Please take my complaint. 
FACTS : The bank has not afforded me any relive.Facts : 1 ) I build the home in 1982 on a lot that my father bought, a military veteran of XXXX XXXX XXXX. His name is on the original purchase of the lot where I built my home. 
2 ) I have lived in the home as the primary and only residence for 37 years since 1982. I have paid taxes on the property and have filed it as my homestead. 
3 ) The original paper work for the refinancing of my home was with XXXX XXXX, they sold my note to XXXX XXXX. The XXXX XXXX has denied my repeated requests for the modification of the mortgage loan ; to the point that I had to file bankruptcy. 
4 ) I was dismissed from the chapter XXXX after losing my job that creating a hardship to keep up the double payments. I have asked for XXXX XXXX for a forbearance and I informed by XXXX XXXX  I did not make enough money. I only owe XXXX in actual loan. The various fees drove up the owing amount to XXXX. 
5 ) I have filed for a loan modification for the 4th time and hope that the process will help me keep my home. 
6 ) The home is old and takes a lot of upkeep available my cash goes to maintenance and repairs, I keep the home because my dad bought me the lot. At present I have a XXXX son and XXXX XXXX XXXX children living with me. If XXXX XXXX goes through with foreclosure ; XXXX people will be homeless. I can not afford to keep payments for residence for my son and children.

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 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I placed a dispute with XXXX, as I returned the items to them and they received the packages as shown by tracking numbers. 

I called them a dozen times and spent hours and hours but nothing came of it. 

I disputed the charges and I lost, reason is they sent the invoice and tracking that shows I got it. 

I know I got!! But I do not have it now as it was returned. 

I spent hours and hours with XXXX but no one is home to help. 

XXXX Dispute reference numbers : 1. XXXX ( 3x XXXX XXXX XXXX XXXX @ {$310.00} each + XXXX XXXX @ {$440.00} ) 2. XXXX ( 1x XXXX XXXX XXXX XXXX @ {$310.00} ) Total {$1700.00} Do not tell me to call XXXX and re-dispute as I have been with this and tried and it will keep getting closed in the merchants favor since it shows delivered to me, and of course XXXX never cares to read any proof I send and upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX is the name on one credit file and XXXX XXXX is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Card issuer not crediting funds provided by the merchant. 

Credit issued by XXXX XXXX for {$14.00}. 

It was never placed on customer card.

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and XXXX, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis is obtaining my credit report and incorrectly certifying my name for a public record. My legal name is XXXX XXXX and the public record should be removed by law. I have submitted my birth certificate attached, my social security number and government identification showing my legal name as XXXX XXXX and not the name of the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX XXXX , being mostly funded by XXXX XXXX . 
XXXX XXXX XXXX denied by request for the Junior year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. 
XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. 
XXXX The school lost its accreditation status. Being an art school most classes will not transfer. 

I reached out to XXXX XXXX repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received an alert that there was a transfer in the amount of {$1600.00} out of my checking account. I did not authorize a transaction for that amount, so I logged into my bank account and found that someone has transferred {$1500.00} from my 1 year old son 's custodial savings account to our checking account and made a XXXX Payment in the amount of {$1600.00}. The thing was the name was familiar, so I contacted the person because we are good friends and of course it was not them, even the number attached to XXXX   Payment did not match. I contacted the fraud department at Chase Bank right away and froze all accounts and reported the fraud. They said it was done through my login and device, however, I did not complete these transactions, obviously I was hacked. Next day went to the bank and closed all accounts and credit cards and opened new ones. I had noticed also there were small XXXX amounts being deducted the whole month of XXXX from his Savings until they transferred the large amount out. I put in a second claim and that one was refunded. However, they are now saying after a month of telling me one story after another. Chase has said they will not refund the money for it is not a fraudulent charge. It was not done under my account and usual device no flags came up. Even though I am disputing the payment and I did not make the payment. They told me there is nothing they will do. So now my son lost {$1500.00} through XXXX Payment to someone and they got away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I COULD NOT PAY MY PAYMENTS DO TO SOME MEDICAL ISSUES I HAD. BUT I AM NOW UP TO DATE ON MY PAYMENTS BUT THEY ARE SAYING I OWE RETURN CHECK FEES I NEVER MADE ANY PAYMENTS DURING THIS TIME SO I DO NOT KNOW HOW I CAN OWE RETURN CHECK FEES NEVER MADE PAYMENT UNTIL LAST MONTH THEN MADE XXXX PAYMENTS TO GET UP TO DATE AND THEY ALL WENT THROUGH. SHOULD NOT HAVE ANY RETURN CHECK FEES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Today, XX/XX/ 2019 I was notified that my credit scores had dropped significantly. I found on my report 3 of the same loan, just in different amounts, from nelnet on my credit report as missed payments for 90  days. My school loans are all deferred and should NOT be on my credit report at all and should not show up as three different occurances, which lowered my score even more. If my school loans are deferred, they should not be on my credit report at all and not on three separate statements. I re-submitted all of my information through nelnet to show my school loans as current but they stated they cant take the marks off my credit report!!! They need to be taken off since they should not have been on there to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.

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 2019-03-08 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
Had an 800+ credit rating for 8 years until Volvo Financial Services became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting.

- Volvo updated my home address and updated all credit reporting companies with an address that was not mine.

- No correspondence was received regarding any disputed balance amount. Volvo records can confirm this mistake and my address was updated.

- Volvo reported negative feedback on my credit report.

- To mutually resolve Volvo agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- Volvo then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

Volvo Financial Services Dept is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
Received trial modification from XXXX XXXX XXXX XX/XX/XXXX. Made trial payment XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mortgage servicing changed from XXXX XXXX XXXX to Rushmore Management services XX/XX/XXXX. Never received the permanent modification agreement from XXXX XXXX XXXX. but I did receive property foreclosure notice from XXXX XXXX XXXX with a sale date for XX/XX/XXXX.  Rushmore Management was in receipt of my 3 payments that were sent to XXXX XXXX XXXX but they tried to foreclosure on my home. How do you foreclose on my home and I've made the required Trial payments It is very apparent Rushmore refuse to honor the previous trial payment agreement with XXXX XXXX XXXX. My mortgage payment has doubled with Rushmore and they have refused to base my mortgage payment on my current income. I've attached documents reflecting the unfair servicing practices of Rushmore. One of the documents they mailed reflect my mortgages payments from the trial payments and another document reflect no payments the same trial payment months. 
Rushmore assigned XXXX XXXX as the relationship manager. She expressed her negative personnel opinion several times while processing my documents. I don't want to lose my home, I feel I'm being passed from mortgage servicer to servicer and no one is trying to correct the mishandling of my mortgage servicing. I want to make my mortgage payments. I feel I'm being discriminated against and I'm a victim of bad mortgage servicing practices. I'm requesting proof the permeant modification agreement was mailed to me for my signature, because I never received hose documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX is the name on one credit file and summit financial is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?

Company response to consumer: Closed with explanation