vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC
State: NM

Complaint narrative:
I was unaware of my account was XXXX XXXX XXXX  was sold two different times. It was paid in full {$3900.00} to XXXX XXXX XXXX XXXX. The original Balance was XXXX with XXXX XXXX XXXX. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Last year a complaint was filed against XXXX, and now the same debt appears on my credit but under a different collection company, " Diversified consultants ''. 

I have no knowledge of this, I have never done business with XXXX ( and never will after this ). 

I have been living at the same address for 28 years with the same phone number for over 12 years, I have never been contacted on this matter. 

The only reason I am aware is because I check XXXX XXXX and I have automatic notification every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
They refuse to credit my account for a fraudulent transaction. 

They can not send me information on what the purchase was for. 


RE : XXXX # XXXX & XXXX Dear XXXX, Why did your short my auto-payment by {$110.00} ( the amount of my dispute ). 

That caused me to incur a finance charge. 

The {$110.00} charge is fraud from a scam artist company ( see below ). 

Please credit my account the finance charge and the {$110.00} charged due to fraud. 

Thank you, XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX is a fake online store! 

XXXX : {$110.00} Dispute Apparently, they came up with some phony mail receipts. 
Please resend them to me as I am going to report them for mail fraud. Their emails bounce. 
Thank you, XXXX This is an automatically generated Delivery Status Notification. Delivery to the following recipients was aborted after XXXX hour ( s ) : XXXX XXXX XXXX : There was an error while attempting to deliver your message with [ Subject : " Hi, You charged by XXXX credit card {$110.00} on XXXX. What was it for? I have no record of receiving anything. Please advise XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : GB - XXXX XXXX XXXX Account Number : XXXX Currency : US XXXX ( USD ) Merchant : XXXX XXXXS Merchant Information : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
We are suffering from a financial hardship and have been unable to make our mortgage payment for some months. This situation began last XXXX/XX/XX/XXXX when our vehicle was vandalized and has continued till now XX/XX/XXXX. Our vehicle was vandalized last XXXX/XXXX which made it necessary for us to rent a car for transportation, paying the majority out of pocket since our insurance only covered 30 days @ {$30.00} per day, Then XX/XX/XXXX our bank account was hacked and {$3400.00} was removed from our account, This amount represented the bulk of our income for the month and we had no way of replacing it. We have called our mortgage company, PHH, on a regular basis for some months to keep them informed of the situation we are experiencing. We have received a package from them to submit for consideration for modification or some other form of relief. We are retired senior citizens on a fixed income, my husband is a XXXX veteran.

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 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited a settlement check in Bank of America atm onXX/XX/2019 around XXXX Eastern time in the amount of {$9100.00}. My receipt printed with a entire hold on my check until XX/XX/2019 @ XXXX for funds availability. I read BOA check holding policy it says 2-3 business days. It shouldn't take 9 days for a check to clear. How can they estimate when my check gets cleared. It could clear in 3 days but I was advised I still wouldn't receive my funds until XX/XX/XXXX. I called customer service for Bank of America and no one could explain to me why they are holding my deposit for that long. I am extremely disappointed and I want answers.

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 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed XXXX hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : Td Auto Fina, XXXX XXXX I, XXXX XXXX, XXXX  XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We received several hard inquiries from one company ( Equifax Mortgage ) ( pulled by XXXX XXXX ) I only authorized them to pull my credit one time. My wife didnt authorize them to pull hers at all. They pulled both of our credit report several times now we both have several hard inquiries on our credit reports, which dont look good to lenders! I called the lady who pulled our credit multiple times but she refused to remove all those unauthorized hard inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I sent money {$1000.00} from my citizens bank XXXX on XX/XX/XXXX to XXXX XXXX  and it was taken out of citizens bank with this info Trace number XXXX Confirmation number : XXXX - then XXXX XXXX closed my account and said never received money but citizens said it left my account and said to contact XXXX about where the money is so this complaint is directed to XXXX to find where my money is I need it to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I have a home mortgage with KeyBank that was originated by its predecessor XXXX XXXX Bank in 1997. I received a letter from KeyBank in mid-XXXX requesting proof of hazard insurance for my property at XXXX XXXX XXXX in XXXX ( town of XXXX ), N.Y. My insurance agent provided documentation of this in an e-mail sent XXXX XXXX to XXXX, as requested in the bank 's letter, and copied to me. On XX/XX/XXXX, I received from the bank a " second and final notice '' ( dated XXXX XXXX ) requesting proof of insurance and warning me that the bank would purchase insurance on my behalf if I failed to provide proof in insurance. On XX/XX/XXXX, I called the customer service number listed on this letter ( XXXX ), where a bank employee informed me that the information we'd sent XXXX XXXX had been received and that the bank would " escalate '' its review of this material and get back to me. I received no response. Instead, on XX/XX/XXXX, I received a third letter informing me that the bank had purchased an insurance policy on my behalf at a cost of {$1800.00}. This is completely unnecessary as my property is already insured and has never lacked coverage since I bought it in 1997. On XX/XX/XXXX, I called the bank 's mortgage customer service number ( XXXX ) and was advised to send my proof of insurance to XXXX XXXX, a manager in the bank 's mortgage department. I sent this material and a cover letter by fax at XXXX and also sent the proof of insurance to her e-mail, XXXX. I have received no response. As the principal due on my mortgage is less than {$8000.00}, and as the mortgage carries no prepayment penalty, I paid the remaining balance due with a check mailed XX/XX/XXXX. On XX/XX/XXXX, I received a letter from the bank saying that to settle my loan in full, I would still need to pay the additional {$1800.00} plus a {$50.00} closing fee. I do not expect to pay for this additional, unnecessary insurance policy that KeyBank arbitrarily chose to purchase on my behalf. The bank has been completely unresponsive to my communications and my multiple attempts to resolve this directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian makes it very difficult to freeze/lock credit for free. They keep on directing me to paid services to freeze/lock my credit ; however, to do it for free, it is virtually impossible. The reason I'm reporting this issue is because XXXX   and XXXX  both make it easy and free to lock/freeze my credit reports.

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 2019-04-05 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: NC

Complaint narrative:
reason- I disputed inaccurate unverified items reporting on my Equifax report XX/XX/2019. Equifax claims to have verified but they have not furnished the requested documentation used to support their claim. Therefore Equifax is continuing to report false information on my file. They need to remove these unverified inaccurate items immediately : XXXX XXXX XXXX XXXX*** pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX*** XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX   XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay  status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX****pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***type of account is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX 7788***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX***account type is inaccurate. delete immediately XXXX XXXX XXXX***type of  account is inaccurate. delete immediately XXXX XXXX XXXX-inaccurate court name. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: IL

Complaint narrative:
I have a bankruptcy listed on my credit report under public records with Experian. I originally disputed this on XX/XX/XXXX under dispute XXXX. Experian 's XX/XX/XXXX Dispute results ( attachment 1 ) claimed that this information was verified by the US BK court listed on the report who states they do not report or communicate with the credit bureaus and to dispute directly with Experian ( see attachment 2 stating this as well ). 

I was given false information as Experian stated on the result notice US BK Court was the furnisher when they were not. Today XX/XX/XXXX I called Experian and they stated they would NOT DELETE this public record as it was verified by a 3rd party vendor but refused to provide that vendors information to me so I could dispute it with them directly. I suspect it is XXXX who has also published a statement they do not verify this data with Experian. ( see attachment 3 ). 

XX/XX/XXXX I filed a complaint with CFPB, XX/XX/XXXX they sent the same result that the item will remain even though they can not verify the item or provide the name of the furnisher despite their website stating they would. ( See att 4 ) I was hung up on by XXXX at Experian, and transferred to a manager by XXXX that just threw me into a mailbox. They have had over a year to correct this and I need this done immediately.

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 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I need to replace a card and ask a few account related questions. However, I can't easily do this as there is no email address, message center, or chat feature on their website. I have trouble hearing, so a phone won't work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Call me multiple times a day 5+ times. And call me at odd hours after 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 2019-04-05 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: OH

Complaint narrative:
On Monday, XX/XX/XXXX. Applied for a XXXX XXXX Card in  the XXXX XXXX app after seeing the promotion being offered. I have 24 accounts of which only 1 is in use. My credit score is over 700. I was denied the card due to heavy use of available revolving credit. The only outstanding credit I have is a XXXX XXXX  Car Loan and XXXX Credit Card that has about 78 % being used. Ive tried multiple times to get this removed by numerous calls but Im either left on hold or told theres nothing they can do unless Im disputing an actual account. Secondly, I submitted a collection credit dispute for XXXX XXXX XXXX XXXX in XXXX, Ca. Until today I never heard of them. I called and theyre saying I owed a payment to XXXX XXXX XXXX in XXXX, Ca for services preformed on my then ( XX/XX/XXXX ) XXXX year old son XXXX XXXX. I no longer live in California but I regularly went to Dr. XXXX never was I approached about this outstanding bill. 

Please look into these newly added issues in my credit report. Experian has not tried to resolve my issues despite my efforts. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I set up an account with Chase Bank online on XX/XX/XXXX, I was given a direct deposit form from the banks website that had a routing number that was no longer in use by Chase Bank ( XXXX ). I was told today that this routing number has not been used since XXXX of XXXX. Chase bank sees the direct deposit in their bank under the above routing number and the proper account number. Even though they admit their are are in error they are telling me the earliest I may see my money is XX/XX/XXXX or after. This is causing a financial hardship on myself and my family. I do believe by Chase bank providing me incorrect information is a form of fraud on there part. The routing should have been removed from their website when it was no longer and use. I also feel that when I spoke with Chase Bank on XX/XX/XXXX the money should have been put into my personal account since this was an error created by Chase Bank, and not making me wait tell Chase bank gets around to fixing the mistake at their convenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I called Ditech Home Loans in XXXX about the letters I continue to receive for payment of a property that they say themselves was XXXX in a bankruptcy in XXXX. Also this property recently, XX/XX/XXXX, was Foreclosed on. I told them this fact as well as them telling me they had to keep contacting me about this account. This is a foreclosure now and nobody has a mortgage on the property any longer.

Noone has a mortgage any longer. It did go through bankruptcy and now is a foreclosed piece of property. I would appreciate being left alone by these people. I lost everything because of him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
Trying to get PMI removed from my loan as the market around my home has gone up considerbly in the last 3 years. 



I was originally told the appraisal would cost {$470.00} from XXXX XXXX XXXX after sending in a letter in the mail to request an appraisal to remove PMI. I sent in the check for {$470.00} and XXXX increased the price to {$780.00}. I have been trying to contact XXXX on the phone about this but whenever I get through the maze of menu prompts they hang up on my after waiting to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had a derogatory remark removed from XXXX and XXXX   almost two months ago and I contacted experian and they said they showed no derogatory remarks but since I ha free membership it would not show to me till this month. Well they updated my credit score and it still shows on my fico score. I want it off. If the others show it's been off for almost two months then I want it off experian. I'm tired of them playing with people 's credit scores

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and Midland Credit did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I received a bill from Ditech for my XXXX Mortgage payment with a due date of XX/XX/2019. I am very careful to pay on time. I paid the mortgage bill amount on XX/XX/2019. Ditech cashed the check and took the money. 
Today, on XX/XX/2019, I received a bill from XXXX. Apparently Ditech sold my mortgage to XXXX. The XXXX bill has a XX/XX/2019 due date. It also does not show the application of my XXXX payment to the balance. In other words Ditech took the money and did not apply it to my loan. 
I have tried emailing and calling Ditech but they do not respond. I tried to log-in to the website, but since my loan is no longer serviced by them I can not log in. 
You help is appreciated,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation