vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Over the course of 2018 my payment amount was changed 3 times. While trying to stay on top of these changes, my XXXX and XXXX automatic payments went out roughly {$50.00} short. I did not receive notice that this had happened until the XXXX payment was already reported 30 days late. At this point, the balance was paid, the account brought current, and the online banking payment amount made correct. In the time since I have attempted several times to communicate this with Ditech, but they have been uncooperative. They claim that correspondence was sent notifying me of the issue, but I never received it. In a similar fashion, they have been completely incompetent in sending correspondence in my attempt to resolve this. It wasn't until the XXXX payment was already reported late, that I received a phone call. Due to their inability to maintain any semblance of consistent payment amounts, and lack of communication in the event of the problem, I should not be held responsible.

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: 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: MD

Complaint narrative:
I had an account with XXXX XXXX The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked equifax to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX

Company response to consumer: Closed with non-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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report on TransUnion.com show 100 points more then what companies are pulling from the same 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 2019-06-13 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.

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 2019-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For a while now, I use my XXXX XXXX Credit card and then pay off the balance before the due date of the XXXX. This month, I received my notice via email on XX/XX/2019 from XXXX XXXX and immediately scheduled my payment for XX/XX/2019. I monitor my credit report and score almost daily. So today I look at it and Experian dropped my score 68 points because of the balance reported on XXXX XXXX. I called to get an explanation of this exorbitant drop and received no assistance. Instead, the young lady proceeded to run down the " factors '' that could affect one 's credit score ... none of which pertained to my report. So if I understand correctly if we don't use credit, we get dinged, if we do use the credit, we get dinged ... and we pay it off by the due date we do not get celebrated and we certainly don't get our points back that we lost. I would like a justification for 68 points. Our lives are tied up in credit reports and for these bureaus to just bounce our scores around without accountability or explanation does not seem right. I have worked very hard to straighten out my credit so that I can put a roof over my children 's heads and it is not fair that these companies can take it away without recourse.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am getting a lot of credit card offers which I have to spend considerably time shredding every week. For instance I get offers from CapitalOne, XXXX XXXX, XXXX  ( not a credit card company I think but they still send me a lot of material ) The problem is that I have tried to opt out but they ask me for my first and last name. Here 's the catch though : the credit card offers I receive have my first and last name reversed. E.g. instead of XXXX XXXX, I appear as XXXX XXXX ( not my real name obviously ). 
So I am not sure how to opt out. That is, when I get asked about my name should I provide my correct legal name or just use the wrong name that they use in the promotional material they inundate me with? 
I worry that if I use my correct name I may keep receiving credit card offers as my name won't match against their database. I also worry that if I supply my name as they have it in their database ( i.e. with the first and last names reversed ) I may be breaking some law as I have to click a button that says that the information I provide is truthful.

Company response to consumer: Closed with non-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 — Public record information inaccurate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
First, all my credit cards ( Sears, Macy 's and Best Buy ) were suddenly closed. The told me that their decision was based on information they received form Citibank. When I wrote Citibank Citibank asking for the reason, they said, " You have the right to close your account and we also have a right to close your account and we have chosen to exercise our right ''. This does not give me the real reason! 

Secondly, after sometime, I decided to try and apply for credit card with Macy 's and received the attached denial letter, apparently from Citibank and it's affiliates! 

Please help me to find out why this is happening when my credit is good at the three credit bureaus.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
fraud the account is not mine never to any school

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
fraud the account is not mine never to any school

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MI

Complaint narrative:
I still dont know why it happened. I got a text from skylight, which i have had for 3 years from my job for direct deposit, because I didn't have a bank, so I just kept the card. Saying i needed to call them. I called they said there was fraudulent activity on my account and they closed it out. Ask me which way I wanted my money that was in the account, my whole life savings, no other way to get money. They just keeped saying fraud department did it. No one could tell me why. They tried to send me my money twice thru XXXX XXXX but because they had the reason for the transfer marked as Freud on my account, XXXX XXXX marked my pick up as freud. Now i have to 10 days for all my money I have no access to any other funds. Plus my paycheck is now going to try to go into the account and hopefully be returned to my job, which even then they have to do the same thing and issue me a check which will take 15 days. They said I wasn't eligible for another account.

The only thing I can think about is a purchase I made on XXXX  that I refused the package. The other party didn't expect returns, but it wasn't a return, i didn't even open the package. Then they were trying to charge me for them to ship it back to me. I disputed with skylight, they gave me my money, the tracking number showed they got the package back. Then they took the money back out of my account without sending my package back. Now I have no item and out {$35.00} with no way to do anything because my account is closed out.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
in the month of XXXX the XXXX sent them XXXX for the monthly payment, then later I received a bill that did not include the payment so with the bill I sent it back to them with a hand writing note in the bill with a money other can remember the amount but it the note I ask what happen to the payment that I made, I received no answers an no other bills until today that I saw DCI collection pu it in my XXXX credit repot.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is saying I'm {$3100.00} past due. I have been paying Carrington since XX/XX/XXXX when they took over my loan. But now XXXX XXXX XXXX is asking permission from the bankruptcy court to foreclose on my home. I have been making {$560.00} ever since XX/XX/XXXX. My payment has increased to {$630.00} but Carrington has been letting me pay {$560.00} anyway and I make sure before I payment which amount I should pay. They record phone calls and they can do research to go back and they will have it on record them telling me to pay {$560.00}. I believe that the XXXX XXXX XXXX told them to let me keep paying the {$560.00} so they could complain to the bankruptcy court that I've haven't been making my payments. Today I paid 3 payments of {$1200.00} XX/XX/XXXX. I am really being harassed Carrington and XXXX XXXX XXXX and being retaliated against because of the complaints I have made about this problem! XXXX XXXX XXXX allowed me to make a partial payment of {$180.00} because I had some unapplied funds which XXXX   XXXX XXXX applied to my XX/XX/XXXX payment and XXXX XXXX XXXX says I am {$3100.00} past due which is 5 payments since Carrington took over. I do have the letter which XXXX XXXX XXXX sent to me about accepting the partial payment of {$180.00} which was applied to the unapplied funds, to equal to the {$560.00} payment. And XXXX XXXX XXXX still wants to foreclose on my home!

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I would like to get this credit freeze removed from Equifax. 
I would like to change my employer. 
They need to update my address. 
I need a soft pen number in order to go forward with my finances. 
All this is impossible I've been trying to do this for 2 years they would not release this credit freeze. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 
XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My home is set for a property foreclosure sale, I have tried to acquire mortgage assistance from my mortgage servicer Select Port Folio. I  don't want to lose my home I submitted a mortgage assistance request with financials XX/XX/2019 
I would appreciate your help with helping me keep my home. My mortgage servicer is very difficult to work with. The foreclosure notice I received for the sale dates of my home was XX/XX/2019 from XXXX XXXX XXXX. I read that Tennessee law says the homeowner is to received notice of sale date 30 business days before foreclosure. 
The attorney and my mortgage company is not complying with Tennessee state law

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 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: CITIBANK, N.A.
State: TX

Complaint narrative:
A fraudulent charge appeared on my Citi Mastercard from XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/2018. My daughter made a MUCH smaller valid charge, and then someone at the salon ran a second, unauthorized charge on the card for {$23000.00}. Despite the ridiculous amount of the charge, Citibank never Calle to verify that this was a valid charge ( although I have previously received calls of that nature for smaller transactions ). Despite my maintaining from the outset that the charge was fraudulent, Citi has never treated it as a fraud matter, but rather as a merchant dispute. When the valid charge was made, they brought my daughter a tablet to sign for the charge, but did not return her card to her for some length of time. During this time is clearly when they ran the ridiculous, unauthorized charge. The e-signature for this second charge does not match my daughters signature, but looks like a poor attempt at forgery. Citi has done nothing to protect me as a cardholder.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information. 
then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued. 
in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end. 
I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair. 
again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given. 
I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded. 
this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods. 
I need help, and stop ocwen to taking this kind advantage on me. 
I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me. 
Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this. 

Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error. 
Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your 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