vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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: DC

Complaint narrative:
XXXX & XXXX ( aka XXXX XXXX XXXX is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since 2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since 2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.

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 2019-08-07 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: PA

Complaint narrative:
In XX/XX/XXXX I received my credit reports through my mortgage broker. All 3 credit bureaus were incorrectly reporting that I was 60 days late on a payment for an XXXX XXXX credit card in XXXX. I contacted XXXX XXXX who stated they had no record of me ever being delinquent. XXXX sent an update to all 3 credit bureaus, correcting this mistake. Two of the credit bureaus fixed this issue, however Equifax changed my credit report to state that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. This is clearly untrue as it also states on the report that the card was closed in XX/XX/XXXX. This also is not reflected with either of the other credit bureaus. I filed a dispute with Equifax in XX/XX/XXXX and waited the full 30 days. Twice I contacted them to receive documentation of the dispute, however both times the agent on the other line was unable to correctly take down my email address. To date, I still have not received any documentation from Equifax. Today, when I called again, I was told that the dispute was denied because Equifax is insisting that the report they received from XXXX XXXX states that I was 60 days late in XXXX. I called XXXX XXXX today and they confirmed that both when they sent the updated report in XX/XX/XXXX and as of today, the account has never been delinquent. Equifax filed a new dispute today, however I feel this is going to just be another lengthy amount of time that I will need to wait with no positive result for an issue that was clearly created by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX a auto deduct in the amount of XXXX was withdrawn from my XXXX checking account by citizens one auto loan. At the time i was in the process of moving and among all the hectic planning i forgot auto pay was set up and called on the XXXX of XXXX and submitted a debit payment to citizens one auto in the amount of XXXX. After realizing what i had done, in XXXX i called my bank XXXX key bank ) and they reversed the debit payment from XX/XX/XXXX and the funds went back into my account. XX/XX/XXXX the payment for XXXX was automatically deducted and i was all caught up. Or at least i thought. In XXXX i got a phone call saying that my account was a month behind. XX/XX/19 i faxed over 36 pages from XX/XX/19 to XX/XX/19 of ongoing bank transactions showing all my payments are up to date and they have yet to correct this error. I have called multiple times only to get their response that their " research team '' is still reviewing it. My main concern is the impact this will have on my credit score. I thought that the bank statements were pretty black and white but i guess not. I would greatly appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I have continuously paid my mortgage on time since the year XXXX. My payments were automatically set by allotment ( monthly ) while serving in the active XXXX. 
My allotment was juggled between finance companies : Greentree Financial, DiTech ( current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as successors to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, as successor XXXX XXXX and XXXX XXXX, as Trustee of XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX vs. XXXX My allotment suddenly changed to a Life Insurance Policy without my approval or a change allotment of my automatic payment. 

The following Company : Conseco LIC and Conseco Finance XXXX XXXX, hacked my allotment from Ditech ( current ) and without any notice ... DiTech placed my account in the negative. 
In XX/XX/XXXX, I called DiTech to make them aware of the Conseco Company receiving my payments. DiTech was not acknowledging Conseco and stated that they will investigate the issue. Ditech sent me a letter ( XX/XX/XXXX ) stating that all financial transactions stop until the investigation was complete. 
I did not receive any reports about the investigation after 30 days, as promised by Ditech Financial. 
MY HOUSE IS IN FORECLOSURE ( Sale XX/XX/XXXX ). 
I am waiting on the investigation report that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
To my dismay, underwriting keeps requesting business returns to verify income however, since the borrower is 100 % owner the business, income is reported on Schedule C of the personal tax returns. Underwriting refused to further review the account without business returns or they will not include any income in their calculations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Over a year ago I paid a year in advance for a web site hosting plan. After a few months and not completing the proposed project I took the lose and moved on. Then, out of the clear this hosting service tried to bill me for another year, in advance, for their service which I did not need. I contacted this company several times explaining that I no longer need or wanted their services, to no avail, as they never responded to my emails. Finally I called the company and the man I spoke with apologized and said he would clear their error. Shortly after this I noticed that this company charged my account. I called the bank, Chase, and explained what had occurred. They returned the funds to my account. Then last month the bank paid this hosting company again. Enough is enough! It appears that their customer service personal, located in 'never never land '', need better supervision. So, here I am again dealing with more foreign incompetent personal.Yikes!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from short term XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: Colony Brands, Inc.
State: DC

Complaint narrative:
XXXX & XXXX ( aka XXXX XXXX ) is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since XX/XX/2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since XX/XX/2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have an XXXX Mastercard through Barclays Bank Deleware. This card has Trip Delay benefits as advertised. A flight that I booked entirely with this credit card was delayed and caused my trip to be delayed by approximately 24 hours. This trip was booked with my credit card for my mother. During this delay, my mom stayed in a hotel for one night which I paid for while expecting the Trip Delay coverage to reimburse me for these expenses. I filled out the necessary paperwork to file a trip delay claim ( See attached items ) and was told I would receive a response within 7 business days. Not only did I not receive a response within 7 business days, but I needed to call repeatedly after this period to prompt action from the company ( I provided all necessary documents on XX/XX/XXXX and did not receive a response until XX/XX/XXXX ). When I received the response, I was shocked to see my claim was denied due to the legal wording of how Barclays defines what is a " trip. ''

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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had the worst customer experience getting a mortgage from Bank of America. They continually XXXX   to me about their ability to meet deadlines, provided me with incomplete information, and held no accountability for missing our commitment deadline and almost completely derailing our closing. 

The people at fault were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across the board, this group of incompetent people cost me hours of stressful time trying manage a process that was completely new to me. And despite me and my wife trying to keep tabs on everything that needed to get done, they STILL would fail to get things done, meet the deadlines they had set out, or disclose certain issues that were ongoing and needed to be resolved. On multiple occasions they outright XXXX to us. At the beginning of the mortgage process, XXXX XXXX let me know that my application documents from their online portal were not displaying for him and he asked me to complete an entirely new application. I told him to fix the issue with his IT team, rather than me spending another hour filling out a new application. He called me back and said the issue was fixed, but then began asking me a series of questions that were all in the application. It became apparent he was trying to trick me into filling out a new application verbally and the problem was not fixed. This was the first insanely obvious dishonest act of many. Leading up to commitment, XXXX assured me DAILY that we were tracking to get our commitment. THE NIGHT BEFORE he told us that we were not going to get our commitment letter potentially for A FEW MORE DAYS because he just didn't do his job and didn't get things in on time. The same thing nearly happened with our closing paperwork. The night before our close, XXXX XXXX had the audacity to tell me that there was a blocking issue with the title insurance company, when it was actually a compliance block on the Bank of America side. This compliance question was even already answerable because Bank of America had the needed paperwork from the title insurance company and just didn't realize it. Thankfully after screaming at the Bank of America team for hours the night before closing, they were able to get the compliance block lifted. If we had not done this, I am sure we would not have closed on time. 

No one should have to endure the horrible experience we had. It made an already daunting process so much worse. I can't tell you the anxiety of having this team XXXX so many things up during the process.

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 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My payments have increased on the income based repayment plan from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX  and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-07 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: NC

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXX and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
XXXX XXXX I received a letter in the mail from Synchrony Bank thanking me for my application for a WalMart credit card. The application ID was XXXX. When I called the number provided, the company asked that I provide my name and Social Security number to confirm that my identity had been compromised. This would further compromise my identity and clearly this company does not value identity protection so I chose not to provide my information. The company refused to close my application and seems committed to continue perpetrating fraudulent credit card applications.

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 2019-08-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXXt and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XXXX per my credit reports. I reached out to Transunion and XXXX in regards to the following accounts : XXXX XXXX XXXX   XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.

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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-07 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: NC

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX   and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.

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