vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I applied for a loan modification with flagstar back in XX/XX/2018. After reviewing it they say wasn't eligible. I never got a denial letter. Called them daily telling them I never received the denial letter. Flagstar told me to write it up and send it in and include new income. I did exactly what they told. I called 2 sometimes 3 times a week to check on my appeal. They kept saying it was being processed. They even have been rude. You can pull their phone records. They are unprofessional. Ok finally you got supervisor on the line and she told me to send in my contributor receipts I did. Ok called back something it is being processed and they have 30 days to come back with a response. They did not look at my new income at all. They automatically said it wouldn't work. So on the last day a loss mitigation representative XXXX called to say that the underwriter needed 30 days of pay stub. I have been calling 3 times a week and never was told this. On their loss mitigation package it clearly states to send in 2. I said ok I will upload them tonight. Well she assured me she will te the underwriter. But then I get a call back from the XXXX stating that I have to reapply. I said why because it is passed your 30 days. That is not my fault. I have been in communication with flagstar. I am XXXX  now because I did request to speak with a supervisor about the situation never received a phone call. It has been 3 week now. I sent back the application the next day with supporting documents. My loan is back in foreclosure with a sale date. Now everytime I call I am missing something. I uploaded everything they ask me to ... the loss mitigation XXXX stated she see the documents but the loan processor XXXX doesn't. They are trying to foreclose without helping. I need help ... please I am XXXX. They are doing the exact same thing they were made to pay for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
-XX/XX/XXXX I opened a Gold Delta credit card. 
-I used it in XX/XX/XXXX for the amount of {$160.00} -XX/XX/XXXX I received a statement with balance of {$200.00}, includes a late fee of {$35.00} and interest of {$2.00}. I let them know no statement was received and I requested to remove the charges. Customer service specialist request permit to his supervisor and it was authorized then I proceeded to pay the balance in full by phone XX/XX/XXXX and to close the account. Specialist offered to me other card options and I said no for now. And then he said your balance is XXXX and the card is close. 
- In XXXX XX/XX/XXXX I received another statement and it shows a new balance of {$35.00}. I called immediately and they apologized and said I dont need to pay it because it was their mistake and they will remove it. I said to the customer service representative for my tranquility I need to receive a paper with shows the XXXX balance and that the account is closed. 
- I received in XX/XX/XXXX the receipt with zero balance. 
- XX/XX/XXXX I received one statement with new balance of {$95.00} and stated that in XXXX my account has a total fees of {$60.00}. 
- I called XX/XX/XXXX and talked with XXXX about why if this account was closed and I received a XXXX balance receipt, I am getting charges. He apologized said because the account wasnt closed and I dont be worried about this, it was a mistake and the balance is removed. 
XXXX I called and finally I can contact a Spanish representative and XXXX said the fee was reversed and the account is closed. No problem and worries for me in the future.He did the process with his supervisor. And said in 72 hours is reflected in my balance with them. 
- XX/XX/XXXX I received another statement with the balance of {$95.00} again. 
- I called XX/XX/XXXX and I talked with XXXX and his attitude was very different than previous representatives and said I need to pay this balance. I explained all the process again and said it was a mistake of whom removed it you need to pay the {$95.00} because is the annual fee and he can not do more for me. Finally he released after my constantly questions. I only see that in XX/XX/XXXX you were transferred to the XXXX line, I said ok check the notes and you can realize what happens, He said sorry I can not help you with this problem, you need to pay. I asked to transfer with a supervisor and said there is not a supervisor available, I said I can wait on the line and said you need to call tomorrow because its not a supervisor in the floor. 
-XX/XX/XXXX I called and asked for a supervisor to talk about my case and let me in hold for a long time and hung up the call. I can not call back again because it was at my lunch break. 
- I sent a letter and never received an answer. And they continue harassing me sending every month the same statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... 
How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov.

Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. 
You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. 
Electronically sign the application. 

This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have been in contact with Wells Fargo regarding my XXXX credit card incorrect information being reported to the credit bureaus. I had contacted them for the 7th time via phone this afternoon regarding inaccurate balance being reported with the credit bureaus a late fee of {$27.00} that was in accurately charge to my account and which I have never been late on any of the two payments that have only been made since acquiring my XXXX   credit card. I also have made two payments in the months of XXXX and XXXX and which XXXX  Wells Fargo shows payments in XXXX and XXXX which is an accurate report filed. Wells Fargo admitted it was a bank error and would submit a positive report so it may reflect positive changes with my FICO score since losing over 40 points due to the constant and accurate reporting by Wells Fargo regarding my XXXX  credit card.

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 2019-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion ( TU ) reported publicly that XXXX ( XXXX ) is the third party vendor that supplied the bankruptcy data. I received a report XX/XX/XXXX disputing the inaccuracy of the bankruptcy file date. XX/XX/XXXX XXXX confirmed that the filed date reported to ( TU ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to TU for correction. TU did not correct or update the credit report that reflected the correction from XXXX. TU did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/18 I ordered an item from Kohls in the amount of {$50.00}. Order number:XXXX. I realized when I got the email of order confirmation that the address on file was an old address of about 2 years ago. I then called Kohls to inform them and they advised when I got the tracking number to call them and they would intercept the package and have it delivered to my new address. When she came back to the phone after placing me on hold she told me the package had been intercepted and I would be receiving a follow up email. When I got the email it said I had to contact the person now living in my old house like I am supposed to know who lives there. Long story short, I never received the item and was mislead by Kohls saying the matter has been taken care of which it never was. So now I am responsible for paying for an item I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other XXXX charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), BBVA Compass ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
Hello, My name is XXXX XXXX is live at XXXX XXXX XXXX XXXX, PA. Recently in the past 1.5 months I received a letter from XXXX XXXX that our home loan was sold to XXXX XXXX XXXX XXXX CA. The customer service number is XXXX and our new loan number is XXXX. I had trouble paying my XX/XX/2019 mortgage payment ( wanted to pay before the 10 of the month to avoid paying a late charge of {$120.00} ). I telephoned XXXX XXXX and they said to wait the mortgage was still in the process of being transferred. I paid my monthly mortgage XXXX at an interest of 7.1250 % ( robbery ) on XX/XX/XXXX. XXXX XXXX said they would waive the late charge. Today in the mail I received a bill for XXXX to be paid by XX/XX/2019. I believe this months mortgage was included in this fee. I paid my loan to XXXX every month was late in the past 18 yrs many times due to situations that were out of my control. XXXX  told me not to worry about the late fees until we sell our house. I believe the outstanding monies we owe to XXXX XXXX are due to late charges that we have already paid late fees in the past 18 years ; now I have to pay the late charges again? I don't have XXXX dollars. We live pay check to pay check and I just don't understand how this can be legal? I really need help with this matter. Please can someone help me. I'm scared I don't want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I filed complaint XXXX-XXXX  about Citibank with the Consumer Financial Protection Bureau. Citibank received the complaint and removed the credit card information from my credit report. I have attached a letter from Citibank that states they removed the credit card information from my credit report. When I reviewed my credit report on XX/XX/XXXX, the credit card information was removed by Citibank. However, Citibank did not remove the hard inquiries on my credit report. The hard inquiries was on my XXXX  credit report. I want Citibank to remove the hard inquiries from my credit report with all credit report agencies. Moreover, the banker that checked my credit said she was only making one inquiry. This banker deceived me as a consumer and was deliberately practicing deceptive behavior. 
The reason the credit card information was removed from my credit report is because Citibank gave me false balance transfer fee information before checking my credit. I only let Citibank check my credit because they shared a balance transfer fee that was lower than the actual fee when I received the credit card. As a result, the hard inquiries should be removed from my credit report 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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/2018 XXXX XXXX, OREGON Unauthorized credit inquiry. Credit inquiry made despite explicit instructions not to perform a hard pull. No credit was sought, and I simply entered the business to inquire about cell phone services. I was verbally assured that no credit would be pulled. 

I never exchanged money with XXXX and never had an account with them, yet my credit was pulled despite my explicit instructions not to pull the credit. 

XXXX pulls credit reports without permission or authorization, and indeed pulls them even after being told explicitly not to pull them, and they also lie to your face about pulling credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT FOR ACCOUNT # XXXX THIS ACCOUNT HAS ALWAYS BEEN ON AUTOPAY ... PLEASE CORRECT THE LATES REPORTED BY XXXX ON MY CREDIT REPORT THAT WERE A RESULT OF A MERGER/ACQUISITION FROM XXXXXXXX XXXX TO XXXX. REMOVE, CORRECT AND RESOLVE THESE ERRORS WITH THE CREDIT BUREAUS IMMEDIATELY AND IN ACCORDANCE WITH F.C.R.A. RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Open XXXX XXXX car loan in XX/XX/XXXX. Last payment was in XX/XX/XXXX paid off.

They were reporting negative status still. XX/XX/XXXX to XX/XX/XXXX is 10 years item still reporting and its XX/XX/XXXX.

Even if they are reporting from last payment of XX/XX/XXXX item should age off XX/XX/XXXX, I disputed the information and they say it is valid and provided no information as to how long it will remain on my 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 2019-01-19 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: Checkr, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I updated my insurance information to XXXX. XXXX did a background check on my driver 's license at that time. XXXX received from the company, Checkr, who does XXXX background check, some wrongful information concerning my driver 's license, causing XXXX to fire me. The information from Checkr, showed that on XX/XX/XXXX, I had a driving violation of XXXX XXXX, which was wrongful information. The actual violation was XXXX XXXX XXXX XXXX XXXX XXXX XXXX after change of name or address. In my case it was my address. I had failed to change my license to the address I was now living in the allotted time that I was suppose to. After back and forth phone conversations with XXXX and Checkr, it was to no prevail. On XX/XX/XXXX, I went to XXXX XXXX, in XXXX, MN., there I presented my document to them, they scanned my document and forward it to XXXX. I then contacted Checkr, who stated that they had received the wrongful information from my DMV, in Minnesota. I went to XXXX headquarters, today, XX/XX/XXXX, to get a certified document to show that the information that Checkr, is providing is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX I missed a payment on my XXXX Credit Card. The payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX so just three days late. The APR went from 16.99 % to 29.99 % on my XX/XX/XXXX statement. On XX/XX/XXXX I noticed that the APR had been raised. I was in an intense training program over the summer of XXXX so that is why I missed the payment and then did not notice the rate hike right away. On XX/XX/XXXX I contacted a XXXX via online chat who put in a waiver to get the rate lowered which was approved. My concern is that according to the Credit Card Act of XX/XX/XXXX I must be at least 60 days late in order for Citi to put the penalty rate into effect. According to XXXX after missing the payment due date the penalty rate can be put into effect and I can be charged up to {$37.00} for a late fee. Again the Credit Card Act of XX/XX/XXXX limits this to {$27.00} which is all that I was charged. I feel that since I was not 60 days late the penalty rate should not have been put into effect so Citi over charged me interest from XX/XX/XXXX until XX/XX/XXXX and that interest should be refunded. I have printed off all the statements supporting all of this but am not attaching them as they contain personal information and the website says not to attach.

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