vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried repeatedly all of XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on TransUnion, XXXX, and XXXX as I have viewed my credit reports today. There are also other items that I have tried to dispute on TransUnion and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX   dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I paid my loan off in XXXX. My auto bill pay sent 2 more payments for my mortgage incorrectly. I was reimbursed for the XXXX over payment. The XXXX payment has not been reimbursed and company will not help. I spoke with XXXX, XXXX, XXXX and XXXX. My last call was on XXXX and I spoke to XXXX. He said that there is nothing they can do and it takes 30 days to refund the over payment. He also said he would have XXXX call me the next day. I've never received a call nor have they helped to refund the money. Initially they said it took 6-10 days, then the next time I called it was 15 days and now it is XXXX. They also refuse to allow you to speak with a supervisor and when I called XXXX ( Supervisor ) extension it just rings and there is no chance to leave a message. They received the {$3200.00} on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They call my phone every single day, sometime 2 and 3 times. I have answered in the past and told them they have the wrong number. They are asking for XXXX and I have not idea or not contact with anyone named XXXX. I had to get a Robo Killer just to man their phone calls. My next step is going to be an attorney. These people XXXX are ridiculous and this is definitely harassment! 

Dates : XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 

I can list everyday of the month, but I think you get my point. I Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received an alert on a collection account on my credit bureau file. 

XXXX XXXX Account number - XXXX Account was opened on XX/XX/XXXX under my social security number but a different individuals name. Collection account was posted on XX/XX/XXXX for {$1300.00} Called XXXX XXXX and the collection company they moved the account too..Both non helpful ... just told to pay the debt and then try and get a refund even if it was there issue/problem.

Completed dispute with Experian on XX/XX/XXXX. No update..they sat the information is accurate due to the social security number used is correct and the first name of the individual matches mine but different last name on the XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2020-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NC

Complaint narrative:
Douglas & Knight representing XXXX XXXX XXXX have tried to collect a debt. They have been completely un willing to cooperate. A Payment plan has repeatedly been submitted. They have not responded. Refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NJ

Complaint narrative:
I try submitting a dispute however Equifax is not allowing me to do so because I move to a new address. They are refusing to speak to me about my account, prior disputes and status of disputes. I also noticed they as recently as today reported incorrect information in regards to my student loan amount due and deducted 13 points from my credit score. I looked at my account balance in XXXX and it does not match the balance Equifax is reporting. Equifax is reporting an increase in balance of XXXX $ and a total balance of XXXX XXXX My Navient account is reporting {$18000.00} as a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX SYNCB/TJX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
Hi, My name is XXXX, my loan was originally serviced though TMS and then was transferred to XXXX XXXX. I made my first payment to TMS for {$2500.00} of which {$2300.00} was the normal mortgage payment and {$180.00} was extra to be applied to principal balance. At the time of payment the extra {$180.00} was not applied to principal and left in a " suspense '' account. I called multiple times to get this extra payment applied to principal, as the principal balance is accruing interest and it should not be sitting in a separate balance. 

In the middle of XX/XX/XXXXmy loan was then transferred to XXXX XXXX. The transferred balances were as follows : Transferred to XXXX ( XXXX Received ) Principal Balance : {$310000.00} Escrow Balance : {$4100.00} TMS Account at time of Transfer Current Principal Balance : {$310000.00} Current Escrow Balance : {$4200.00} Suspense : {$180.00} As you can see, the balances were not transferred correctly and there has been no action taken to correct these issues. I have contacted TMS by phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I've contacted TMS there had been promise of follow-up and resolution to these issues. I have had no follow-up contact, or even acknowledgement of the conversations via email. Due to this lack of response I've been forced to file this complaint. I feel as though their corporate operations are actively trying to deceive me while not taking any action. At a minimum they need to increase the visibility of their communications with customers, follow-up with emails or phone calls, anything that shows that an account discrepancy is actually being worked on being resolved. The response shouldn't be, we'll fix it, trust us. There needs to be accountability and visibility. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
After speaking with Sallie Maes financial department for the second time, they still say that there is no way to lower my monthly payments. I spoke with a rep yesterday because my account was 60 some odd days past due. I explained that I was recently in two car accidents that were within a week of each other as well as being recently diagnosed with a chronic illness. The only option they would give me was to pay my past due amount of {$770.00} all within this month of XX/XX/XXXX. So on on both of my pay periods for this month ( XX/XX/XXXX and XX/XX/XXXX) i will be forced to pay Sallie Mae XXXX and XXXX respectively. There were no other options given to me at the time of my phone call on yesterday XX/XX/2020. I am currently only working part time and not by choice which I informed them of on yesterday XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account was opening on XX/XX/2019 where I was to receive a {$400.00} bonus for keeping {$15000.00} in the account for 60 days. In XX/XX/XXXX, several fraudulent transactions were conducted on my account where my balance fell below the {$15000.00} threshold. It was confirmed to me that the fraudulent transactions would not change me receiving my bonus. Now, over 60 days later, they are changing their tune and unsure if I will receive it or not. 

Customer service has been contacted over 20 times regarding this, and nobody can figure out how to do anything. I get transferred around repeatedly, and nobody can do anything. I wait on hold for promotions departments, fraud departments, supervisors, complaint departments, etc. Nobody has been able to resolve anything and they just transfer me to the next person who is as incapable as the last.

My funds have been held hostage now because I had to put a freeze on my account. I am unable to transfer them anywhere since I am waiting on the {$400.00} bonus to be applied. If I close before it is applies, I lose the bonus. I do not trust Citi with my funds because they have allowed fraud on my account, and they are not true to their word in providing a account opening bonus. 

In order to resolve this problem. I will need the bonus credited immediately and my checking and savings accounts closed with a check sent to me with the remaining account funds INCLUDING THE BONUS.

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried repeatedly all of XX/XX/XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, XXXX, and Equifax as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. Equifax dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried repeatedly all of XX/XX/XXXXto correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, Experian, and XXXX  as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and Experian websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. Experian stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX  dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXXthru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.

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 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
On XX/XX/2020 I saw a collections account for {$300.00} listed on my XXXX  Credit Report for {$300.00} through PMAB. I contacted PMAB on XX/XX/2020 stating that there were some concerns about this account and I asked how could I go about requesting debt validation to help me in my process of getting things squared away. I was told by the PMAB rep that I could not request debt validation from them and I would have to contact the original creditor for debt validation which I am almost certain is not true. I made it clear that I knew that I could request validation from them. I again asked how to go about requesting validation for that account. Then they told me that they could only send validation for combined accounts and not for the specific account that I questioned. I told them that this could not be true because this account has it's own account number so I am certain that I could request validation for this debt. 

Also, as an FYI : They claimed that they send me something in the mail in XX/XX/XXXX. I  did NOT receive it. Also, the postal service emails me each day that I receive mail ( with pictures of the mail pieces ). I have NOTHING from them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
Pdm in XXXX florida continues to contact me after I told them I am filing ch XXXX bk. 
I dont even know who they are. They must have bought my debt from an original creditor. 
They are also calling my mom, my nephew and my brother who were never listed on any of my debt This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
I received an email stating I made a purchase that I DID NOT make. I contacted home depot to let them know there was fraud on my account. Home depot canceled my card, sent out another and disputed the charges. I gave the the tracking numbers for the order that was sent to my email and theybsaid it would be investigated. After days of investigating, I received a letter stating the charges were valid. I called Home Depot backnto find out why I am responsible and they stated that the packages were delivered to my address. I told them the tracking numbers clearly show that the address was updated by the sender ( home depot ) to a different address as shown on the tracking. The tracking does not show the address, just a note stating the address was updated. They opened another dispute, just to close it again stating that packages were sent to me. I do not have these packages, I never ordered these products and home depot not ups will not tell me the address that the packages were sent to.

And my letter from home depot does not show the amount owed, it only has the reason for why they believe I owe for the fraudulent charges.

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 2020-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX XXXX I called in to make a payment on the loan I waited 20 minutes the first time then someone hung up. I called back a XXXX answered the phone I told her I wanted to make a payment over the phone on my account she said for and then hung up the phone. The voice mail comes on and say I have to wait another 11-16 minutes. My payment is due today and this company is preventing me from making a payment.

Company response to consumer: Closed with explanation