vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to apply for an account with XXXX ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use 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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to apply for an account with XXXX  ; when the identity verification came up, none of the questions apply to me and I have my Experian credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my Experian credit report is incorrect and is preventing me from pulling a new credit report with XXXX, XXXX, nor was I able to use 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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc.
State: WY

Complaint narrative:
I applied for a XXXX card and was told to call customer service to verify my identity. I called customer service and had to correct my social security number. Once she ran the credit check and identity verification, i was denied. Before I could request a reconsideration, the representative stated the denial was because Sagestream LLC is reporting me as deceased. I contacted Sagestream LLC on Saturday but their office was closed. I contacted them again yesterday, XX/XX/2019, at XXXX EST ( XXXX PST ) ; however, I consistently kept getting the automated message saying their office opens at XXXX, yet it wasn't open. I left a detailed voicemail with the help of my financial counselor and provided a call back number. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a mortgage through Ocwen and instead of having them for lose on my home before I moved out of state, I started the short sale process back in XX/XX/2018. I listed my house with a real estate company and my agent started the process of marketing my house. The mortgage company then went to inspect my house and put a lock box on my house without telling me or my real estate agent the combination. I proceeded to call numerous times to get the combination until after the 4 or 5th time was transferred to an associate who finally gave me the combination. I then gave permission numerous times for my real estate agent to speak to the bank on my behalf and was given the run around for the appropriate paperwork that needed to be filled out. My real estate agent then presented an offer to the mortgage company which they explained that all of this paperwork had to be filled out, which I filled out and my real estate agent did also. Needless to say, the mortgage company made it very difficult to present and accept this offer for someone to buy my house that they buyers changed their mind. The offer was for {$25000.00} more than an offer I have now for my house. I again had to list my house and again my mortgage company is making it very difficult to complete a very simple transaction. My mortgage has now been bought out by yet another company. I have a cash offer for my house and I just want this to be completed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
In late XXXX, 2018 I received a call from Citibank fraud department alerting me to possible breach. I identified fraudulent charges and was told they would be removed. When I received my bill for the period, there were a total of {$1900.00} in charges there were fraudulent. I called to get these charges removed, and was told they would be. To date there remains some {$450.00} of fraudulent charges, for which I am now expected to pay interest and penalties. My last statement shows a balance due of {$670.00}. I have made numerous phone calls and written a letter to Citibank to get this resolved. All I have gotten from them is run-arounds. The bigger problem now, however, is that while arranging financing recently for a new car I was told my credit score was too low, since " due to a reported debt by a credit card company '' my credit score had dropped from XXXX to XXXX. Unless this issue is resolved, I will be impacted every time I attempt to get credit.

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 2019-11-19 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: PA

Complaint narrative:
Exxonmobil/citibank CBNA I have had to call them several times to close an account. They have not. Today I spoke to them again and they told me they could not help. 
I spoke again on XX/XX/2019 to XXXX who transferred me to XXXX who then transferred me to XXXX. Non could help ; expressing call your C. Bureau. I explained the C.B said I had to have them send that information to them. I got nowhere. # I called XXXX & XXXX @ XXXX XXXX. 
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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 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
LoanCare/XXXX  is the mortgage servicer for this property. They are incorrectly assessing the county taxes for this mortgage due to their mistake ( they did not send the 1st half 2019 payment to the county ), which has increased my monthly payment by more than $ XXXX/month. They are collecting double the annual taxes {$3700.00} rather than the actual amount of XXXX - I provided them, per their request, with a copy of the county tax statement. 

I faxed the below letter to them on XXXX/XXXX/2019. I called them on XXXX and they confirmed receipt and said the issue would be resolved by XX/XX/XXXX and they would contact me via email. I called XX/XX/XXXX and they said case was closed with no explanation and the escrow is still incorrectly being assessed. They attempted to transfer me to a supervisor after disconnecting me multiple times. 

*****Letter text sent on XX/XX/XXXX/XX/XX/XXXX/2019****** Loan number XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ESCROW ANALYSIS REQUIRED Please be advised the tax escrow account is setup incorrectly on this loan and escrow transactions need reconciled.

The annual taxes are {$1800.00} for this property. {$930.00} each half. See attached first and second half statements from the XXXX County Treasurer. 

According to the payment history of this loan, you did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$930.00}, but the county auditor does not show this payment reaching them. 

You also did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$1800.00}, but the county auditor received a payment of {$1900.00} on XXXX/XXXX/2019, which was the amount due for the full year PLUS penalty and interest. 

I request that you resolve this matter immediately and contact me that this has been resolved. I tried to resolve this with a customer service agent with your company but they would not take ownership of the issue. 



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 2019-11-19 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I mailed a Sears credit card payoff XX/XX/XXXX. The check had my name and last 4 of my account on it. It was cashed and not applied. I called multiple times wondering where my payment was and why it had not been applied yet. Finally, I sent a copy of my cashed check and they said they found it and it would be backdated and applied. It is now XX/XX/19 and it says I am due for XXXXXXXX XXXX payment and it has still not been applied to my account. I received a letter that said it would be applied within 2 billing cycles. I should have a credit of over {$200.00}. This is completely unacceptable. She is looking at the check while I am on the phone with her and it was cashed a month ago and it is still showing up on my credit report that I owe over {$1100.00} when I should have a credit. She can not explain to me why it can take up to 3 months ( if you include the time it was cashed ) to apply this payment to my account.

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 2019-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I have been trying to get my loan modified for close to a year. Freedom Mortgage has 2 layers of underwriters in place before the submitted docs make their way to the official underwriter who does the review for loss mitigation. I have submitted a full application on a few occasions to have been told that I have a complete file, then the file goes to another underwriter and they need additional information. I provide that, then they say it wasnt received. 
Every time I submit documentation it seems as if they are looking for something to reject their being a full package. 
Also, they keep scheduling my foreclose sale date 30 days out which doesnt give me enough time to get them a full package for them to review as per CFPB guidelines. 
Their process is not streamlined, I do not have a SPOC, and every time I call I get different information. I also have not been receiving mortgage statements, and I have asked for them on a number of occasions.

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 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I returned a product. The company said that it was not returned before the billing period processed so I was charged for it and accessed a late fee. They said if I just paid a certain amount that day it would be put completely to XXXX. This has happened every two months. I have paid almost 100 dollars for something I returned. They claim they can't take off late fees, they can't fixed the billing periods, etc. It seems to be a scam. They have reported my account to the credit agencies and now my credit is ruined for 7 years. The mistake is theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: MO

Complaint narrative:
On XX/XX/2019, my supervisor came to me and informed me that someone was reaching out to me and didnt say where or who. My supervisor gave me the number to call back. On Monday I received a phone call from a company that claimed that is a 3rd party for money key. I nicely told them that can they please stop calling my job and me. The lady on the phone was very rude and started yelling saying that I need to pay them back or they will take legal action soon. Today XXXX XXXX the same lady called and once again being rude and threatening me by saying they will file a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: WI

Complaint narrative:
Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX  is great except a XXXX owed to XXXXXXXX XXXX XXXXd on my credit report dont know how i could charge XXXX grand at XXXX and we dont even have a XXXX store in wi. for prob 3 years then 6 days later this letter from cci contract callers inc XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX   XXXX XXXX XXXX acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after XXXX stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi 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 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: AZ

Complaint narrative:
I tried to consolidate through XXXX XXXX  XXXX on XX/XX/2019. They stated that they were connected with the federal government. I asked many questions, but the one question that I asked the most and every time I called was if there were any charge associated with the consolidation. Every time their answer was that they were part of the government and there is never any charges and that any fees will be applied to my current loan. They clearly stated that the {$230.00} that I paid in XXXX, XXXX, & XX/XX/2019 would be applied as a payment toward my current loan. They even told me not to pay anything toward my student loan because that amount of {$690.00} would be applied to the loan once the consolidation was done. When the consolidation was in the final stages, I called great lakes to see why the {$690.00} had not been forwarded to my XXXX XXXX. They told me to wait about 10 more days and it would be sent to XXXX XXXX. After the 10 days I called back because it had not been applied, by this time everything was finalized, this is when great lakes told me that the charge of {$690.00} would not be applied to my current loan and they were keeping it. It is very disheartening that people are so dishonest, especially here in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: DISCOVER BANK
State: AZ

Complaint narrative:
I contacted Discover Card to determine how my payments are being applied to the different balances on my account ; due to differences in interest rates. 
I was told that the minimum payment amount is applied to the lowest interest rate balance first. Amounts above the minimum are applied to the highest interest rate balance. 
I intentionally increased my payment in XXXX to see if I could see evidence of the payment application. 
I recently compared my XXXX and XXXX statements and could not tell how my payment was applied. One balance transfer had expired and the interest rate increased.

I contacted the company for a detailed accounting of how my payment was applied. They would not provide this detail. They only told me that they apply the minimum due to the lowest rate and amount over minimum to the highest rate. 
Given the movement of a balance from a lower rate to a higher rate, I wanted to know at what point was the payment applied - before or after moving the balance. 
The company would not provide me with the detail I requested. 
As a consumer, I believe this is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have 2 accounts with XXXX. One account have been paid in full from XX/XX/XXXX of {$180.00}. I also have another account of {$280.00} which have been paid in full. However, I received an alert that these paid accounts are delinquent after they have been paid in full. I also realize that an account appeared on my report for {$400.00} from XXXX which I know nothing of. The company need to evaluate their reporting under the FCRA as this is illegal to report something that is untrue.

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 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
American Adjustment Bureau showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX Hospital as I have no children and have no knowledge of owing a children  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX is great except a XXXX owed to sears master card on my credit report dont know how i could charge XXXX grand at sears and we dont even have a sears store in wi. for prob 3 years then 6 days later this letter from XXXX XXXX XXXX XXXX XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX XXXX XXXX. inc. acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after sears stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX wi 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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
on XX/XX/XXXX I received a phone call from " Dynamic Recovery Solutions '' stating that they are trying to collect on a debt that they just received, but was apparently from XXXX. XXXX was the represented that I spoke to and she stated that the debt was from the XXXX XXXX and/or a University. ( This University I attended in XXXX but no outstanding debt ) Previously I had received a call from them in the summer and requested that they send proof of the debt as they wanted me to verify my information over the phone, which I did not. I informed XXXX that I did not receive a verification of the debt and she said that they have it all online and gave me a website and password to access. I stated that I do not want my personal information online and that they did not have the authority to do that. She claimed that it is secure. During the phone call she kept insisting that I make payment arrangements and that this has been reported negatively to the credit bureaus, they have also been making harassing phone calls to my children 's cell phones. XXXX stated that she pulled and reviewed my credit report and started discussing my credit history, I did not authorize or was even made aware that this company pulled my credit report. All of which are violations of Fair Debt Collections Practicing Act and the Federal Trade Commission by violating my privacy and security by putting information online on their website. ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: CT

Complaint narrative:
XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  Children Hospital as I have no children and have no knowledge of owing a children hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

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