vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I have a mortgage with Renasant Bank ( Mortgage loan # XXXX ) XXXX XXXX XXXX XXXX, NJ. I am behind in my XX/XX/2019 payment. I have paid my XX/XX/XXXX and XX/XX/2019 payment. I was assessed a late charge for the non payment in XXXX in the amount of {$52.00}. The bank is now accruing that late charge and is asking for {$100.00}. True, the XXXX payment still has not been caught up yet. However, I thought it was illegal to pyramid late charges.I do plan to have the mortgage current by XX/XX/XXXX. 
This mortgage servicer is pyramiding late charges on one past due payment. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL 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 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently received a copy of my annual credit report. There was a collection agency by the name of portfolio recovery associates listed as a collection on all three credit bureaus. The debt amount is XXXX. This is not my debt. I sent a letter to them asking them to remove this collection immediately because of the negative impact this erroneous debt could have on my credit profile. This debt has affected my credit score negatively which causes financial harm to me and my family from qualifying for different financial services. I sent them a letter dated XX/XX/2019 that this is not my debt and for proof that it belong to me per the Fair Debt Collection Practices Act. 

They replied back with a letter dated XX/XX/2019. All I received was a two page statement of alleged charges. This does not meet the Federal Trade Commission guidelines that constitutes proper debt validation. Therefore I request immediate removal of this erroneous debt in the amount of XXXX from all three bureaus. If you don't comply you are subject to a fine up to one thousand dollars plus punitive damages. I'm sure that your legal staff would agree that non compliance with this request could put your company in serious legal trouble with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Good afternoon, I'm disputing four unauthorized withdrawals made in my account. I tried resolving the issue with credit card company ( CITI ) and they have not removed these charges from my account. When I initially called, CITI asked me for a police report and I have obtained one and send it to them electronically first and then included in a written letter. 

Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} These unauthorized charges were among others made with other credit cards in my name. I have no information as to how and when nor who made these charges. As per the other credit cards, I have contacted the corresponding credit card companies and have resolved the issues with minimal issues. However, CITI has been uncooperative in trying to resolve the unauthorized use of my credit card. In the meantime, my account with them is accruing interests and fees that I should not responsible for paying. 

Moreover, as a responsible credit card holder, I pride myself in been prudent and judicious in my use of my credit card and this issue with CITI is damping my experience with credit card companies, which up to this point has been positive. 

With no additional comments at this time, I would like to thank you for your time in the hope that my complaint gets the appropriate attention with your office. 

Regards, 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 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Amazon Prime store card from Synchrony offers 5 % rewards in Amazon.com purchases. On my statement that closed on XX/XX/2019, I was awarded {$470.00} in rewards. However, I had {$24000.00} in Amazon.com purchases minus {$4500.00} in Amazon.com returns, so that's a net total of {$19000.00}. 5 % of that amount is {$980.00}, so I am {$510.00} short in rewards. My best guess to the reason is because I contacted Synchrony by chat on XX/XX/2019. The chat representative promised me if I convert my Amazon account to business Prime, I would still be eligible for the 5 % rewards. However, I believe during the conversion I suspect the linkage broke and caused me to stop earning 5 %. Please have this corrected as it was promised by the chat agent. 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 monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech, has changed the maturity date of my mortgage to XX/XX/XXXX which is a 52 year mortgage. I, XXXX XXXX in XX/XX/XXXX signed a 30 year mortgage so Ditech illegally changed the maturity date without my consent. As a result, incorrect payment amounts have been applied my principal balance each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OR

Complaint narrative:
I called on the XXXX of XXXX to report my card missing. I paid for the 2 day shipping and didn't get the card until the XXXX. I was charged {$13.00}. I requested a refund as the card took as long as it would have taken to mail it. I have called 3 times with no resolution, in fact the last rep, I dealt with told me I needed to call fed ex, ( It was sent XXXX ), to see what happened. I explained that I was not the customer, having no input as to what company they used to send the card, and that although I was a Direct Express customer, Direct Express was the customer of XXXX, making that Direct Expresses responsibility. Since my two day service took 5 days I feel that they need to refund my {$13.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is regarding my loan with Capital One Bank for my auto loan payment. In XX/XX/2017 my bank did not complete the auto pay and I was out of town. I contacted the bank and they said that if I made the payment via phone ACH that it would not record late. I have made every single payment on time my whole life and they ended up reporting my payment as late XX/XX/2017 My credit report has this blemish and I have no other derogatory auto payment ever reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Visa card with Bank of America and in XXXX of 2017 I tried switching from bill pay with my bank to auto pay with BOFA on the app but it didn't take creating this mess I have a great relationship with BofA and a home mortgage and credit card as my husband as well.

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 2019-09-02 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I had traded in my car for a XXXX truck. I had called Santander to advise car was traded in and if payment still needed to be made. They stated no since they would receive a check from dealership and would be paid in full. Month later they show account closed and add remarks saying 30 to 60 days late payment. This all happened in XXXX of 2019. I submitted disputes with creditor, never got back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was paying XXXX a month & they up to XXXX a month now & I cant afford that much bc its just me working full time my husband isn't working & I wanted to lower it to back XXXX or low as XXXX a month please & thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I have a hard inquiry on my transunion report by XXXX XXXX on XX/XX/2018. XXXX XXXX had stated since I was never was told by any representative there would be a hard inquiry they would remove this information on my file Immediately. It has been a while and they have yet to do so. Would just hope this would be straightened out as soon as possible. 

To my understanding with of the companies I had bought something from went thru XXXX XXXX and since i did not sign anything with XXXX XXXX directly under the fair credit act this would come off. 

On a separate note on my addresses reported the following address was suppose to removed as I am not affiliated with it XXXX XXXX XXXX XXXX XXXX, NY 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 2019-09-02 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: CARMEL FINANCIAL CORPORATION, INC.
State: TX

Complaint narrative:
There is a inquiry on my credit report that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: MAJR Financial Corp
State: TX

Complaint narrative:
There is a inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a complaint against my credit card issuing bank, Bank Of America, for their failure of providing fair and due diligence in investigation of a fraudulent credit card charge, for which I had opened a dispute with the bank. 
I was inI XXXX XXXXrestaurant for lunch on XX/XX/XXXX after paying for the meal with my Bank Of America Visa Card I left the restaurant without noticing I did not get the card back. Later at evening, my wife noticed a couple of suspicious charges on the account, as she raised question about why I went to eat at the XXXX right after lunch at I XXXX XXXX, I became aware that I did not have my card with me. 
We immediately reported this incident ant the fraudulent charges to BOA credit card department and open a case of dispute with the bank. 
Response came a few days later from BOA by mail, telling us that we would be responsible for the charge because their system showed the card was presented at time of charge, which in their mind would constitute an authorized charge. 
The letter, however, made claims that directly negated my phone testimonial when I opened the dispute, but without mentioning what was found and how it was found, or any circumstantial discoveries that could support such claim. Questions remained unanswered which should not have been, in option, if a serious investigation had been genuinely carried out. 
These questions should include but not limited to whose signature were left on the charge receipt, if there were any camera images that shows the person who was rendering the charge. If someone had my authorization to use the lost/stolen card, who was that person and what was the testimonial. 
BOA also stated a PIN was entered at time of charge, but I never had a PIN for this card, nor do I believe a PIN is ever required to use a credit card, provided the said card does not bear debit card feature, at least to the knowledge that was afforded to me. 
All indication implied, at least in this case, that BOA had lacked good faith in promoting and maintaining fair credit practice, which is mandated by federal regulations. I call upon our regulators to step in to correct such irresponsible, possibly illegal behaviors that are undermining the consumer rights and potentially other applicable laws and regulations.

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 2019-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services , LLC is committing mail fraud by posting false address of us in the website addressed as : XXXX XXXX XXXX 
Anyone creating a free account of the website and logs in can search by the property address of XXXX XXXX XXXX, XXXX, TX XXXX, will see the fraudulent page that would display our fraudulent information. 
Our address has been posted to be : XXXX XXXX XXXX, XXXX, TX XXXX. 
They are using this mailing address to post their auction for our property. 
This has been done to fraudulently access the mails of interested buyer who would be willing to buy our property and communicates with us. 
Also Carrington, in the site, has posted the straw borrower 's information and the flipped mortgage loan information to increase the foreclosure bid higher for the house. 
This is an example of how low can a mortgage servicer/lender can stoop down to in committing mortgage fraud. 
This act qualifies for both fraud for money and fraud for property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect address on file : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX 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 2019-09-02 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: Total Card, Inc.
State: AZ

Complaint narrative:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from Total Card , Inc., The XXXX XXXX XXXX XXXX Representatives in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect address on file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May concern a few issues with the reporting. I have 2 names on my reported file the 2nd name XXXX XXXX XXXX is in accurate and was told it would be removed over a year ago but is still showing up. 

Employment info they were suppose to add the company XXXX based out of XXXX XXXX NY. It's been years and that still has not been updated. 

I also have a problem with 2 Hard pulls I am looking to have removed XXXX XXXX said they would remove and they are still showing up on my file report the dates are XX/XX/XXXX & XX/XX/XXXX. I am unsure if these were suppose to be soft pulls or what Issue was as it's been so long. I had spoke to XXXX XXXX in early XXXX as to why these were still on my file they basically said to dispute the hard pulls if I did not authorize any hard pulls to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 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: AZ

Complaint narrative:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, XXXX and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: AZ

Complaint narrative:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I am looking at my XXXX XXXX and it says I have a hard pull from XXXX made on XX/XX/2019. From looking through my credits i got a card with them on XX/XX/XXXX but not an additional one on XX/XX/XXXX. Unsure as to why this information is on my report. I am asking for the XX/XX/2019 hard pull be removed as I never signed anything with that bank for them to run my credit file again. It is appearing on my EQUIFAX report. I just want all, my credits to appear accurate and hopefully this can resolved I understand mistakes happen and just looking to fix my credit report.

Company response to consumer: Closed with explanation