vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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:
I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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:
I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: KY

Complaint narrative:
This said collector was suppose to have removed my account from all 3 credit reporting agencies and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CT

Complaint narrative:
Synergetic Communications claims I owe XXXX to XXXX XXXX, XXXX of this debit is a fraudulent charge from XXXX OF XXXX on XXXX XXXX, I disputed the charge several times, I was given a provisional credit while in dispute and later told the credit is permanent as case was closed by an investigator. XXXX XXXX later turned around and reversed the credit, took it back out of my account. As stated in claims filed, I have not done business with XXXX OF XXXX, do not own a XXXX. The only proof provided by XXXX XXXX is a forged credit card authorization form, the signature on form is not mine. There are also several overdraft fees stemming from credit reversal, each in the amount of XXXX each. About 100 % of this debt, XXXX, is questionable due to fraud and overdraft fees stemming from it. Please advise Synergetic Communications I refuse to pay this debt and complaints were filed with XXXX XXXX about this matter, still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my credit report.

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 2017-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I am presently going through a divorce. My soon to be ex lives in my house. I pay all ulitities, mortgage, property taxes. I reside at another residence, due to the constant XXXX. I never did a change of address, as I 'm planning on moving back into my house when we can get her out. I started to notice a month ago that I was suddenly getting non payment of bill notices. I then went to my XXXX XXXX account, and discovered my score was down XXXX points. I then called the companies, and was informed that they had sent out numerous notices. I never received any notices from any company. I then made a formal complaint with the USPS Inspector. She has been throwing out my mail since at least XXXX. I do n't know how I can be responsible for any bills I 've never received. She also, without my permission tried to change my XXXX XXXX password, without success. Is n't that sort of illegal? If it is, please explain what legal recourse I have. Please any advice you can provide me would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: GA

Complaint narrative:
I have contacted Experian on several occasions in reference to a collection account that is not mine. I have submitted the dispute, identity theft report as well as police report in XX/XX/XXXX and XXXX 2017. I twas told this item was not reporting on my credit. This item is now reporting on my credit report and I am unable to dispute online. This is not my account. The account has been deleted from the other two bureaus. The account is 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 2017-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX XXXX, I contacted Citibank by phone regarding my credit card debt of {$12000.00}. We arrived at an agreement, which they proposed that as from XXXX XXXX, they would automatically withdraw {$210.00} every month from my XXXX checking account inorder to start paying off my balance. I provided them with my routing number and checking account number. They withdrew {$210.00} from my checking account on or around XXXX XXXX, XXXX. They were supposed to continue doing automatic payments from my checking account, something my daughter XXXX advised me to do so as not to be late on payments on any of my accounts. My daughter XXXX was a witness to this phone call. 
About a week ago, I received a letter in the mail from Citibank stating that my account had been sent to collections for non-payment. I was very surprised.I do not always monitor my account as I am very busy working trying to make a living for me and my family. After checking my account, I noticed they did not withdraw XXXX or XXXX 's payment. When I contacted Citibank, they stated that my account had been sent to collections because I had no set up automatic payments which is untrue and incorrect. I asked them to reinstate my account which they have declined to do and this is why I am filing this complaint. Citibank 's actions are damaging my credit when I did my best to work out an arrangement with them. Please help.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently transferred a balance to Capital One and due to the fact that the balance transfer almost exceeded my credit card limit I asked for a credit limit increase and Capital One rejected my request. Their reason why they rejected my credit card limit increase was that my average monthly payment has been low. I feel that I am being mistreated and this level of unprofessionalism must be reported. I recently purchased airline tickets for about {$4300.00} and I paid that balance in full in XXXX. My FICO scores are ( XXXX XXXX -- -XXXX XXXX -- -- XXXX XXXX ). I have four Capital One credit cards with stellar payment history and I reject this level of reasoning from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC

Complaint narrative:
It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. 

From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.

Company response to consumer: Closed with explanation