vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following inquiries remains on my credit report after I have told transunion that I was unaware of a few, and the rest I did not receive service for. They have given me the run around with telling me to contact the creditor, and the creditor is telling me to contact the credit agency. The following inquiries are in question : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: SC

Complaint narrative:
A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted 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 explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. 
They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I mailed a certified letter to verified the debt and no response and I need ask for removal of deletion off my credit files if cant provide. no response.. NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,

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 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
XXXX, want to collect {$8.00} dollars postage charge which I did not own. Instead of communicating with me in person, they just sell my personal contact information to a debt collector without my personal consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance 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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you

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 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. 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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. 

Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. 

Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.

Company response to consumer: Closed with monetary relief