vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I got to the Experian website, they request a mothly payment of a {$1.00} to generate a credit score and are reporting no credit score to credit 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 explanation
Consumer complaint received 2018-12-24 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: International Computer Systems, Inc.
State: MO

Complaint narrative:
I HAVE NEVER HAD AN XXXX XXXX ACCOUNT EVER. I HAVE XXXX XXXX. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX XXXX FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My wife and I have been attempting to work with Mr Cooper home loans to reinstate a property located INXXXX XXXX Georgia XXXX. We have been flat out lied too after sending in several thousands of dollars in payments and a wire transfer on XX/XX/2018. Now the company claims they need more money and fees to settle the account after telling us that the amount would cover the reinstatement. We have been lied too and mislead by this lender during this horrible process but have attempted to do the right thing in order to save our home. They give us the run around and we will call back, or we are checking with the attorneys office. 

I am at at impasse and we need help to protect us and others from a lender that does not have the best interest of anyone but their bottom line in mind. 

Thank You XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I have reached out previously around XXXX regarding this debt ... that I do not recognize .... I was previously a victim of identity theft and as a result of my identity being stolen accounts using fake addresses have been used to open up accounts in my name this account is a result of that identity theft and needs to be removed and my letters regarding this account have gone largely unanswered so I am choosing to address this issue through the cfpb to see if I can get some help fixing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: Cornerstone Holdings, Inc.
State: MT

Complaint narrative:
Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im writing this letter to disput a claim that is falsely reported on my credit report. The company name is chase, they claim that I owe {$6000.00} which is not true, I had several fraud charges on my card I contacted chase about it they did not resolve the issue. I submitted some of the fraud transactions at the bottom of the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am trying to resolve an issue i have with Navy Federal. My checking account was closed due to an excessive overdraft that i didn't authorize. My debit card was used to withdraw funds that weren't available but were approved by my bank. I've reached out to the via phone an mail after i tried to open a new account but was denied due to those fraudulent transactions that caused my checking account to be closed. I don't want that account to be reported to XXXX or added as a derogatory account on my credit report. I have researched others who've had similar issues and became aware of other customers with this problem as well as having their Navy Federal accounts hacked by others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: MT

Complaint narrative:
I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Due a security breach I have been offered free credit monitoring through XXXX. I am able to generate free credit reports. XXXX doesnt provide my credit score. I have also locked my report and companies that I have cards with are constantly checking my credit. I have accounts that have been closed for 15 yrs and they are continuing to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have had XXXX card for about 10 years. History on the card is good. The last time I tried to use this card in XXXX, I was told that I could not. No explanation except that I had to run my credit again. This is not acceptable. If I have had a card for many years and responsible with it, then why would I need to reapply through a credit check for it, if it were not closed. This was in XX/XX/XXXX. Also in XXXX I was unable to use it and the account was open! No correspondence before detailing the specifics of the account or any changes were sent to the account holders address and no explanation was made since then, even after a call to the card services number. This has still not been resolved! They have not offered any explanation as to why a good standing account holder would need to run credit again! Also, if they were concerned with my high limit, then they could inform me the concerns in writing and any potential changes such as a decrease in my limit -this would still not be right, but at least I would be able to use it. I am unable to use this card unless I submit to a credit check, when I already submitted to one when I opened the card about 10 YEARS AGO. I do not understand this and the customer service is off, because when I went into the XXXX store in XXXX XXXX where this happened last year, I was subjected to waiting on line and on hold and told I needed to give personal details to use the card, while on-line in the store and uncomfortable to do so. This is not responsible for the creditor to do and I would like some explanation on why I can not use my card, when it is in good standing and being forced to submit to a credit check, when I have had the card for about 10 years and already had the required credit check then when it was opened. Why is my account being wrongfully targeted for this treatment? Is there some bias against my account in some way?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX XXXX for the XXXX XXXX store account was not sending my statements. I was submitting payments every month to cover the minimum and some additional monies towards the principal. I thought my account was in good standing until my account was froze to further spending. When I called I was told I owed {$110.00} in late fees and {$11.00} past due? I was confused considering I was paying more then what being asked every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. 
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. 

Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer  confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX   11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is report incorrect information on my credit report. The payment history for XXXX XXXX XXXX account is in correct. I am requesting that you deleted all XXXX XXXX   XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
PURCHASED ONE MICROWAVE OVEN FROM XXXX XXXX ON XX/XX/2018 FOR PURCHASE PRICE OF {$800.00} ( {$850.00} WITH TAX ). NEXT DAY XXXX XXXX DISCOUNTED THE PURCHASE PRICE BY {$210.00}, FOR A NET PRICE OF {$590.00}, OR {$630.00} WITH TAX. MET WITH XXXX XXXX TO RESOLVE THE DISPUTE AND THEY INFORMED ME THAT THE PROBLEM IS AND ACCOUNTING TRANSACTION ERROR WITH CHASE BANK CREDIT CARD, WHO IS CHARGING ME {$850.00}, PLUS {$630.00} WITH ERRONEOUS ADJUSTMENTS THAT DO NOT REFLECT THE NET ACTUAL PURCHASE PRICE OF {$630.00} ALL IN. WROTE A LETTER TO CHASE ON XX/XX/2018, WITH NO RESPONSE ; CALLED THEIR CUSTOMER SERVICE LINE ON XX/XX/2018, XX/XX/XXXX, XXXXSPOKE WITH AT LEAST 8 PEOPLE AT CHASE TO RESOLVE THE PROBLEM, WITH NO SUCCESS. THEY COULD NOT VALIDATE THE ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX  is report incorrect information on my credit report. The payment history for Nelnet Loan Services account is in correct. I am requesting that you deleted all Nelnet loan Services account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I signed up for a checking account with Citi promising {$400.00} bonus after keeping $ XXXX in there for 60 days. I was tedious in ensuring that I followed the correct link to ensure I was getting the offer. 

After the 60 days, I called multiple times to ensure that I had indeed fulfilled all the requirements and to inquire the timing of the bonus payout. Each time, the reps took time to review the details and assured me I had met all requirements. They told me that the payout would occur 90 days after the 60 day period ended. 

Finally after this extended wait time ends I call back again, only to be told that the promotion was never applied to my account opening, even though I was tedious to ensure it was and the reps assured me it was multiple times. 

They told me they'd apply a promotion code after the fact, only to then later say ( after filing a formal dispute ) that according to the code they applied, my account didn't meet some technicality.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account : XXXX XXXX  Acct # XXXX was previously reporting on my Transunion report and now it is not. There was a late payment that I disputed because the company was reporting it in error and it was fixed on the other two bureaus but it was removed from Transunion. 

I am in the process of purchasing a home and by this account not reporting ( it was removed and stopped reporting ) by Transunion it lowered my scores significantly. I  have contacted XXXX XXXX  directly several times and they have sent me a letter saying they requested TransUnion reinsert the tradeline ending in XXXX to my report and it is still not reporting after several months. 

I am purchasing a home and need this account to go back to how it was and report on my credit report! The company has requested it to be reinserted. Please help! I need this account to report to buy a home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I sent {$600.00} from XXXX  through MoneyGram Payment Systems on XX/XX/2018 with a promise for the money to be delivered on XX/XX/2018 through the reference # XXXX. The receiver was denied payment after several attempts by going to the MoneyGram location in XXXX despite the fact that receiver had all necessary documents include Identification, and the number. No reason was given to the receiver. The receiver contacted me ( sender ). I physically had to go to the XXXX, to be told that I need to call Moneygram. I called XXXX on XX/XX/2018 at XXXX XXXX EST while at the XXXX  premises after several automated responses was connected to XXXX. I provided all my information only to be told that the sender has to call XXXX and if cant get a resolution to visit MoneyGram site and if they didnt get the resolution they should inform me ( sender ) and then I need to call MoneyGram. I told him they have gone to the MoneyGram several times and have not received the money. I told him to refund the money so I can collect and send through XXXX XXXX. He said he couldnt do that. I asked him to call the sender now and he stubbornly refused. I asked him the reason and he bullshitted me with that MoneyGram has to fulfill international regulations for {$600.00} that he couldnt do anything at that time. I was frustrated and asked him for the address of the MoneyGram complaint center, he told me I should dictate tell him and he will lodge the complaint on my behalf, I refused and told him I can find the address on internet. I knew the financial hardship of the receiver and called international number 3 times to get connected the receiver in XXXX and told them that I will send additional {$600.00} to them or will arrange for the money through my family in XXXX. While on two separate numbers I told XXXX XXXX that was the name he gave me ) of the frustration and I will have to take it up with the CFPB. Upon hearing it he asked me to wait and came back online and asked me to ask the hangup on the receiver so that he can call the receiver. After few minutes he came back online with me and informed me that he has all the information and the money will be available after 10 minutes. All this took over 30 minutes of my time standing in the XXXX  with everyone listening and severe financial hardship for the receiver. 
I trust the strong US financial regulation and was sure to get my money back, I didnt trust MoneyGram. I had already called my brother in XXXX and asked to wire transfer XXXX immediately to a family who is financial hardship. SHAME ON MONEYGRAM FOR THEIR UNPROFESSIONALISM AND STUBBORNESS.

Company response to consumer: Closed with explanation