vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: VT

Complaint narrative:
KeyBank Mastercard promises fraud protection, but they're holding me responsible for a large unauthorized charge on my credit card account in the amount of {$690.00}. I reported my card as stolen on XX/XX/2018, the day after the transaction took place. I took the necessary steps to open a dispute and to obtain a replacement credit card. I also set up a fraud alert with the three major credit bureaus. I opted not to open a police report. 
The business that received payment is located in XXXX, XXXX. They have a website called XXXX where they sell digital, downloadable content related to music. I was unable to obtain an order ID number for this unauthorized purchase. 
On XX/XX/XXXX, they reversed the provisional credit on my account because I lost the dispute. I asked KeyBank to dispute the charge again, and then waited a month before calling for a status update - I wanted to know why I lost the disputes. Customer service transferred me back and forth between departments for a long while, and then finally explained that they were able to prove that I authorized that transaction, though they explained not how. The customer service agent then hung up on me. KeyBank never called back, and didn't send the promised documentation through the mail. All KeyBank did was provide me with a case reference number XXXX, which I was later told was useless. 
I feel KeyBank does not treat me fairly or as a valued customer. I've been using their credit card services for over nine years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
Hunter Warfield has placed an invalid debt on my credit report and it is causing major detriment on my ability to earn a living. Hunter Warfield is reporting that I acquired a debt with XXXX XXXX XXXX in XX/XX/2018. I am unaware of any debt I could have acquired with XXXX XXXX XXXX during this period of time. As the XXXX and XXXX of an investment conglomerate my personal credit directly affects my ability to provide for my family. Hunter Warfield has not supplied proper notice of this debt nor have they given me a proper opportunity to request validation of the debt prior to causing financial injury to me in the means of submitting the invalid information to the credit bureaus. Hunter Warfield has supplied incorrect information to all three credit bureaus XXXX, XXXX, and XXXX with the intention of causing the most damage to my credit report in attempts to extort money from me for a debt that is invalid. I have not received any billing statements or any proof of this debt prior to it being placed upon my credit report. If this is not corrected in 15 days I will pursue legal action with the XXXX County Courthouse for loss of wages and financial damages caused by their reckless pursuit of this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage company, Ditech Financial, has sent me a letter advising that they are not going to remove the PMI on my loan until it reaches 75 % LTV. I have previously made a request in writing as well as had an appraisal done by one an appraiser of their choosing. I have a LTV of 80 % and understand that upon my written request, the PMI should be removed. Can you please advise?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
SECOND NOTICE to comply with my legal request in which Portfolio Recovery refuse to submit the documents to me I requested. Portfolio recovery states the application was electronically submitted please show a photo of it and a IP address to verify that its accurate { thats false }. I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a second notice to your office .The CFPB will have authenticated sworn testimony from my end which I will use to present in court as needed as evidence of my trying to rectify the subterfuge that you are reporting .I have not received confirmation nor certified testimony that your office complied with the FCRA and all it's mandated rules when it comes to reporting accurately under the law.Therefore you are to presentto me with certification in testimony that the alleged account presented in Exhibit C are in fact in complaint and not subterfuge?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Lost my home to hurricane Florence in XX/XX/XXXX. at that time was with XXXX mortgage. unknowingly my mortgage was sold to XXXX XXXX XXXX. to which i was never contacted about and i have been trying to get my money to fix my house from them. So after wasting my time filing claims with XXXX for several months I find out through them that my mortgage has been sold to Flagstar. Flagstar claimed all i needed was a final inspection to receive 95-100 % of my money gave me an inspectors number to contact 2.5 weeks ago and person never got back to me or my contractor to set up appointment. after numerous calls ( at least 10+ ) by myself & inspector to Flagstar & inspector I find out TODAY that this specific inspector has been a problem and  was fired. why was this never relayed to me during my numerous contacts with Flagstar? several times Flagstar told myself & my contractor that we would be contacted within 24 hours by an inspector & that NEVER happened! The last being 2 days ago. Flagstar has not tried to rectify my situation while I have roofers & contractor to pay for work rendered & and unlivable home in which I have been displaced from since XX/XX/XXXX. I am at my wits end and am tired of being taken for a fool! I need my money & my home put back together. It is not my fault that this company can not get an inspector out to my property in a timely manner it is the companies fault! This is my money to which I need NOW so I can get back into my home! Please help me thke care of this situation! Thank You 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 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible  addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}

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 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot is acting with gross negligence regarding a financial matter. At issue is a modification request that submitted on XX/XX/XXXX. On XX/XX/XXXX we contacted Loan Depot for a status update only to be told they had too many calls and would be calling back later that day. They never called that day, the next day, nor the following day. We called again on XX/XX/XXXX and were told again they were only doing call backs as they had too many people calling them. Again they never called. Then we called again on XX/XX/XXXX and were again told they had too many calls. When we complained that they told us that all week and nobody called back the only response was they were telling people what upper management told them to say. 

It's painfully obvious Loan Depot either has more loans than they can service or doesn't want to service the loans. Just like XXXX XXXX who got too big too fast so Loan Depot seems to have followed suit. Being told all week they have too many calls is unacceptable. The fact that they never called back is gross negligence and they should be sued for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been investigating XXXX  XXXX XXXX account XXXX for over 6 months. 

Equifax has been investigating XXXX XXXX XXXX  account XXXX for over 6 months. 

Both accounts have been under investigation for months, by the fair credit act they were supposed to be deleted if not verified in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is illegally trying to inflate the value of my home. At issue is a short sale request that was submitted on XX/XX/19. At the time there was a value dispute from a previous offer that had to be completed before they would review the new offer, which in itself is flawed. However the issue is that Mr.Cooper is supposed to order a new value due to the new offer and the fact that the previous value was completed in XX/XX/XXXX. Lender ordered values are only good for 3 months yet Mr. Cooper is illegally trying to inflate the value by stating their XX/XX/XXXX value is still good. Mr. Cooper very well knows property values have been falling in CA for the past 3 months. They are illegally trying to inflate the value by refusing to do what is legally required and order a new value. This is unacceptable and Mr. Cooper needs stronger oversight. It's a wonder how many other people are being illegally foreclosed on due to Mr. Cooper refusing to update values in falling markets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: WI

Complaint narrative:
XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX- my Wells Fargo business account was drained with 63 individual charges at XXXX  

transaction. There was nothing left, but an overdraft. I attempted to fix the issue- using the phone number referenced on the account. I was told I would be getting a refund due to a system glitch, and they wanted to see the charges from my bank statements. I allowed access to my account, assuming I was speaking with 'billing department '. I had deposited {$650.00} dollars the day before, and {$620.00} dollars was taken out during phone call, with an approved wire transfer from Wells Fargo.

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 2019-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I WANT ALL THREE REPORTS TO SHOW A XXXX BALANCE WITH GM FINANCIAL I AM DISPUTING {$1500.00} FOR THE FOLLOWING REASON, 36 MONTHLY PAYMENTS of {$500.00} EXCEEDED MINIMUM PAYMENTS of {$450.00}. THE DIFFERENCE of {$50.00}. x 36 = {$1800.00} PAYMENTS WERE NOT APPLIED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX   XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX  XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX  XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX  XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX  XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX  XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX  or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} Citibank ( Citicorp.com ) c/o CitiCorp XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}

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 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX bloomers keeps calling about at least 5 times a day and no voice mails get left and no one answers when you you call the number back.

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 2019-01-18 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: WI

Complaint narrative:
XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

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 2019-01-18 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: WI

Complaint narrative:
XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

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