vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I being paying Ditech for months, trying to get on track, they sent my loan number to another company, without being notified, I told them I have a loss of incomes, which it seems to matter to them, I apply for a loan deferment, was turn down, they don't try to work with you, being having problems with them, told me already had four deferment and denied the fifth deferment, they don't seem to care about their customer, it all about money, I being paying XXXX most time it being XXXX if home insurance need to be added, but they took over the XXXX for insurance Pay by them, I have a loss of income, since XX/XX/XXXX, my home is damages, which I file a claim in XXXX, they refuse to fix the home, the adjuster say how he knows if it water damages, mode on the wall kitchen wall wall damages, fridederator was leaking in the line, no help from them, kitchen floor coming up dues to water problems in my home around XXXX, then around XX/XX/XXXX, tree fell on my home, the the insurance people told me, I have to remove tree off my house, before I they can come out to take picture, which claim did go through, with Ditech and my names on it, I sent them the check where both parties need to sign, as of XX/XX/XXXX my home is still damages, no return check, only thing u get was that's my loan went into default, now I'm. Paying XXXX, extra dollar to catch up, then charge XXXX for processing fee, all they ask when you have the rest of the money, but my home is broke down, when it gets fix, bi do not know, they put the insurance claim check in the escrow account, I don't have an escrow account, it just sitting there, why my my home getting worst, especially when it rain, because they not letting me know anything. My loan account number is XXXX, also ask what happened to all extra money, I pay, they claim it went on interest, my old loan was XXXX before transfer to new loan, starting over again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: IL

Complaint narrative:
My identity was recently stolen, and I saw a XXXX card opened in my name. I spoke to XXXX, and filed a complaint with XXXX, and they fixed their report. As part of that, I got a report from Experian, which showed the fraudulent account on my report with them also. I attempted today to file the complaint online and over the phone and I could not do so, and also I could not get through to an agent to explain what the issue is. Additionally, when I put in my social security number online it tried to get me to log in. I didn't have the username and password so I clicked " Forgot username '' and it said it sent it to an unknown email address that I do not own. So not only did Experian not let me attempt to file a complaint about identity theft and fraud on my report they also have allowed someone else to access my identity and potentially made this problem worse. It would be solvable if it were possible for me to speak to someone about it but there is absolutely no way I can find to do so from their customer service number.

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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/XXXX  inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

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 2019-08-07 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:
XXXX/XXXX  inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX/XXXX inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

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 2019-08-07 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: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have checking account with Wells Fargo with more than {$2700.00} in it, and Wells Fargo is making it very difficult to access the funds. I live XXXX in XXXX and have requested a debit card on more than one occasion so I could make withdrawals of my money at ATM machines, but the card did not arrive. On XX/XX/XXXX, I again called Wells Fargo to ask where the card was. The agents said they could not authenticate me for the account because I do not have a U.S. cellular phone number. I do not live in the U.S. so there is no reason for me to have the cellular account. I asked if there was any other way to access my funds, and they said there was none, except to travel to the U.S. and present my ID card. During my latest call, XX/XX/XXXX, I was passed from one agent to another, being put on hold each time. Finally I said I wanted to make a complaint. Wells Fargo transferred me to a supervisor. But she was very rude and said my friend, whom I authorized to help me with the call, could not listen in. She then hung up on me, after we had been on the call -- much of it on hold -- for 50 minutes. We were calling from XXXX. This is unacceptable, and I still don't have access to my money.

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 2019-08-07 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: NC

Complaint narrative:
Equifax has refuse to investigate the collection that's on my account open XX/XX/2017 for {$290.00} with XXXX XXXX nor has provided any written proof, my signature, picture or anything to tie me to this fraudulent account. My identity has been compromised and used for medical purposes. This is the only negative account I have on my credit report without validation. This a defamation of character and willful injury. This is also a violation by FCRA section 623 also section 609 states upon request they are required to provided information as requested to prove the account is your. This has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a hard inquiry on my XXXX XXXX report on XX/XX/2019 that is incorrect : XXXX XXXX XXXX This is the institution that was said to have made it, I called them and they said that they did not do it. 

Institution Information Syncb XXXX, FL 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 explanation
Consumer complaint received 2019-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with Bank of America. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from Bank of America indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. Bank of America would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX.  However, Bank of America has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by Bank of America in XX/XX/XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and Bank of America took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.

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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Navy Federal Credit Union was processing an application to refinance my home loan. They are withdrawing my application due to the credit report expiration and an issue with debt to income per a voicemail I received XX/XX/XXXX. I submitted my loan application on XX/XX/XXXX. 
The company did not process my application in a timely manner and therefore the application is being withdrawn. I attempted making contact during this process by phone, voicemail, emails, and secure messaging on their site. 
Recently, I have left 2 voicemails on XX/XX/XXXX and XX/XX/XXXX in attempt to get more information about them withdrawing the application but no one has responded. 
I called and tried to get through 3 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I sent emails from my XXXX account ( a total of 28 messages traded from XX/XX/XXXX to XX/XX/XXXX ) many of which went unanswered for weeks on end. These emails went to : XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS # XXXX Email XXXX Phone : ( XXXX ) XXXX Extension : XXXX Fax : ( XXXX ) XXXX NavyFederal.org I also sent secure messages through their site that were never addressed ( XX/XX/XXXX, and XX/XX/XXXX ). 
I have spent at least {$800.00} so far on appraisal fees, credit reports, and termite inspections. 
I was supposed to be refinanced with Navy Federal Credit Union for a 15 year VA home loan at 3.5 % for XXXX. 
My current loan resides with XXXX XXXX ( balance approximately {$57000.00} ) and I have never been behind on payments ( this loan is a convention 30 year with an adjustable rate which I have been saddled with since XX/XX/XXXX ). My home also currently appraised at {$130000.00}. 
After I got off XXXX XXXX with the XXXX, I received a XXXX rating of XXXX XXXX through the VA which also exempts me from paying some of the loan fees. I got off XXXX XXXX XX/XX/XXXX and preceded to go to school while staying home with my children. I then was able to find employment with XXXX XXXX XXXX on XX/XX/XXXX and presently still work there. 
I hope I have given all the pertinent information and look forward to finding a resolution to my complaint. Thank you for your time. XXXX XXXX cell XXXX, my employer XXXX XXXX XXXX.XXXX My address is : XXXX XXXX XXXX XXXX XXXX, NE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My Platinum American Express Delta SkyMiles with an annual fee of {$190.00} has few flaws that are outstanding! Recently I made a purchase of two plane tickets on XX/XX/2019 with Delta and used my AMEX Delta as I always do to pay. Got my confirmation and receipt and everything looked good. Days later I noticed the charge on my card is double what it should have been and 4 tickets were issued for same passengers and same rout and same time! Here comes the first short coming with this card, means of contact if you have a problem is : call, chat, write a physical letter. No email option is given, which means I was glued to my computer to live chat with someone about this problem of double charged and It took me more than 3 hours and was an  exhausting process since they tried first to convince me " may be it is  the Tax ''! My chat should be in their document but when I asked to send me a copy of our chat they refused. I am in shock how a platinum {$190.00} fee card, failed to protect me and notify me with a fraud alert of such an apparent mistake. Who buys 4 seats for 2 people for same flight? This means I had no protection. my other cards however, have a fraud alert even when I pump gas in other states they stop working until I reassure them it is me. And no this is not a feature that I turned on it came with my other card for free. Amex never explained what went wrong but the dispute was resolved 25 days after. What I need from them is : 1-Have email communication available for customers so people wont be glued to phone or computer for a long time 2-explain why they failed to detect the overcharge when so clear and notify me and on top of that when I complained their untrained employee tried to make the over charge legitimate by writing back to me " may be it is Tax '' and I decided to lay out the math of charges for her. 3- I deserve the annual fee for this year to be credited to my account due to lack of their services. They have already billed me for this year few days ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Conn's, Inc.
State: LA

Complaint narrative:
XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make  sure they have receive them I was told them and was going to have accounts remove

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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Can Not stop the paper statements on line as BBVA states, tried 5 times to do it, each time, says, I have to call a XXXX number which I am not going to waste my time, thus it's a lie they said to CFBP. I will file another complaint, when the statement fee comes in. Either way I want to close this account as dont want BBVA anymore, with poor service, I opened a XXXX account checking/savings account with superior service. I have to wait till SSA stops the direct deposit in XX/XX/XXXX before I can close the BBVA account. I never want to do business with this entity again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our Transunion credit reports. We requested our Transunion reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the Transunion web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the Transunion phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call Transunion and dispute with them. I tried again to dispute the inquiries with Transunion on XX/XX/2019 and, again, the Transunion rep would not allow me to dispute them.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I spoke to a rep by the name of XXXX two weeks ago to get my account situated as far as not receiving statements at my house the representative informed me that they weighed my late fees brought my account to a current status with a payment not due until XX/XX/XXXX at this time the rep XXXX inform me that my account was current no payments were due and my next payment was due for {$40.00} in XX/XX/XXXX I just received alert on my credit report showing me 30 days late and saying I have a balance due of {$260.00} the information is incorrect

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