vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have a best buy Citigroup credit card. i mail out my payment befor XX/XX/XXXX18 the due date. i aslo pay my bills on time. on XX/XX/XXXX18 i received call from them that im late i told the person the payment was mail out and im not late please dont call me agian. that was a t XXXX. then at XXXX on XX/XX/XXXX18 i recevied the same call. i told them i mail out my payment and a stop harassment me. i'm never late on my credit bills. i told thm they is a grace period stope call me. i never late. they continue to harassment me.

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 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi. I have contacted XXXX, XXXX and Experian several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my 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 non-monetary relief
Consumer complaint received 2018-09-16 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: FL

Complaint narrative:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

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 2018-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I had to pay extra money for my escrow. 
And also I have a balloon note on my account which I don't understand when I did my modification to lower my payment I felt like I had no choice, and I know when that time comes I won't have that type of money to pay out all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My account was closed without any notice, I went to use my card with a XXXX   balance and was informed it was closed. I called customer service to find out why and was told a letter is on the way to me and the account was closed based off of the information provided by XXXX. I looked at my XXXX   report and my score has increased over 70 points in the last 2 months - no collections as of XX/XX/18 and not negative marks. How is that good information reason to close my account? I am trying to purchase a house and was told not to close any accounts as that will impact my credit. Closing my XXXX XXXX account is in retaliation from Synchrony from my filling a complaint in XXXX asking for my lowered credit limits to be increased. How is it that my credit improves and then my account is closed. I paid all but 1 Synchrony account down to a XXXX balance and then they close the account based off of bad credit details provided by XXXX. My score is higher with XXXX now that it has been in the last year or so - so I do not understand. Why was my account closed and was the information valid from 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 2018-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

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 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is an awful mortgage company thats seeking to force my husband and I to sell our home in a short sale or lose it in foreclosure. Our mortgage has ballooned from {$3500.00} to {$6200.00}, which has made our payment unaffordable. Before the ballooning of the mortgage ( 10 years ) we were never late. Wells Fargo has constantly denied our modification because our income does not meet the qualifications, yet we earn more now than when we purchased our home in 2005. 
Through this process we have come to believe that something fraudulent occurred during the purchase period that we had no knowledge or understanding about. Wells Fargo was not our mortgage company at this time, our mortgage was sold to this company. 
Wells Fargo has been allowed to perform plentiful unlawful activity to consumers. If we in any shape, form, or fashion performed in the manner this company has we would be jailed. 
This situation is causing such emotional hardship on our entire family. We are pleading for help to save our home.

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 2018-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within a couple of weeks stating the collector has certified to them this the item is accurate. I have even sent in disputes by mail asking for the contract of something in my files where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. 

Ive recently sent them a mailed dispute request on XX/XX/18. I received a response letter ( stall tactic ) from them dated XX/XX/18 not that my request was frivolous but merely that they were not going to investigate the items again. As a consumer, I am entitled to a reasonable investigation if I am disputing inaccurate information on my report. How can they do this and get away with it?! 

The law is very clear in all of the cases XXXX vs XXXX, XXXX vs XXXX and XXXX vs Experian. All of the courts ruled each and every time that the credit Bureau can not literally parrot information from collectors. But instead must perform a reasonable investigation and XXXX is not considered as such.

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 2018-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mort has yet to provide me the Notary book sign or any proof from the state of secretary of state of California notary. There has not been no such document from the state by Wells Fargo Mortgage as proof I sign and that my signature appears in the notary book with my signature.

As stated before the California All Purpose Certificate was never given to me or presented to me by Wells Fargo Mort.

Its been nothing but the run around 1 lie after another same old letter were working on the matter I been getting for year and half now. This is no more than fraud and Wells Fargo mortg.

Wells fargo Mort. does not send documents requested it's always things you don't ask for. Wells fargo sent last time half in XXXX writing. It's nothing but games with wells fargo when it comes to the documents and providing proof of what's ask for. It seems Wells fargo has a bunch of class a dummies that cant read or understand what's requested. I understand wells fargo employees are no more than deceit and lack of morals when asking for the documents. Stop sending things or trying to justify things of documents with no proof from the Sec of state.

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 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: CA

Complaint narrative:
i received a extortion attempt from a company, CAPITAL MANAGEMENT SERVICES LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX, demanding funds from me. This demand alleges they have been ENGAGED, ( whatever that means ) by XXXX XXXXXXXX XXXX to extort funds from me in the amount of {$4900.00}. I am acutely aware that if any alleged original lender, thus sold this debt to a debt collector, they also wrote off this debt on their TAX FILINGS, which relinquishes any and all obligations, i might have had to pay. This now becomes a criminal, extortion attempt for funds, im not obligated to pay, by this illegal enterprise, who surprisingly, no one signed this extortion attempt, taking any liablity, from this criminal enterprise. He who makes the claim, accepts the liability.

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 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Company closed my XXXX XXXX XXXX XXXX XXXX account without warning or consent due to reporting agencies. I did not change anything on my credit report, so there is no reason why they should have closed the account. I have had this account for 3+ years and this has negatively affected my credit score. Also, a representative attempted to collect payment without even notifying me that the account was closed. Informed me that I must apply all over again, which did not work and dinged my credit once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
SANTANDER/XXXX XXXX XXXX. 1 ) 3 COMPLAINTS FILED WITH NYS DEPT.of FINANCIAL SERVICES. LENDER PROVIDES NYS WITH CORRECT ANSWER THEN TAKES OPPOSITE ACTION WITH THE BORROWER. LENDER HARASSES BORROWER WITH COLLECTION ACTION BOTH WITH CORRESPONDENCE, PHYSICAL HARASSMENT BY ENTERING MY PROPERTY, AND PHONE HARASSMENT. AS OF TODAY MY MORTGAGE IS PAID TO DATE AND THE NEXT PAYMENT DUE IS XX/XX/XXXX TO COVER THE PERIOD XX/XX/XXXX -XX/XX/XXXX. THIS LENDER BELIEVES THEY ARE ABOVE THE LAW. IN XX/XX/XXXX WE HAD A CHAPTER XXXX BANKRUPTCY DISCHARGED IN THE STATE OF NEW YORK. WE NEVER REAFFIRMED OUR MORTGAGE WITH SANTANDER/XXXX YET LENDER IS CONTACTING THE BORROWER WITH THEIR 3 PRONGED ATTACK. THEY EVEN ADMIT TO AS MUCH IN THEIR RESPONSE DATED XX/XX/XXXX. THIS NEEDS TO BE STOPPED IMMEDIATELY AND LENDER SHOULD BE PENALIZED FOR THE FULL AMOUNT OF THIS MORTGAGE. WE PAY OUR MORTGAGE MONTHLY ON OR ABOUT THE XXXX OF EACH MONTH AND HAVE CONTINUED TO DO SO SINCE SOME EXTREMELY DIFFICULT FINANCIAL TIMES ( HURRICANE SANDY FOR 1 ECONOMIC COLLAPSE 2ND ) THIS LENDER HAS NO RESPECT FOR THE LAWS THAT PROTECT US DURING THE DREADED BANKRUPTCY PROCEEDINGS. PLEASE TAKE ACTION.

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 2018-09-16 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: NJ

Complaint narrative:
Experian, XXXX and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

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 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an  attempt to gain leverage by misapplying the payment an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from XXXX XXXX XXXX. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to XXXX XXXX XXXX for that reference ID. I made a payment to SIMM Associates, LLC in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXXXXXX XXXX. At no time did I indicate that the payment be for the XXXXXXXX XXXX XXXX XXXX. I believe XXXX XXXX XXXX is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on XXXX XXXX XXXX. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: EQUIFAX, INC.

Complaint narrative:
My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: CARMEL FINANCIAL CORPORATION, INC.
State: UT

Complaint narrative:
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX   report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was on income driven repayment. After being on it for a couple years they said they required my actual bank statements and bills to enroll me in another year. I refused since I didnt feel comfortable. They told me I couldnt stay in the plan and my payments would increase. I said I couldnt afford it and wanted to work something else out. They wouldnt work with me no matter how many scenarios I suggested. They told me to cash out my XXXX or for my parents to take out a 2nd mortgage, which is super inappropriate. Ive been trying over the last few years to work something out. Several months ago they sent me an offer that was pretty close to what I could afford via mail. I called the number with no answer. I left several messages that went unanswered. My loans got sold to another company. Theyve called my work and harassed me. I never gave them that number not permission to reach me there. They XXXX me and found it that way. I stated my office number was not public and they didnt have permission yet they called again ( instead of my cell I gave them ) and I got in trouble at work. I told them to call my cell or email and they still didnt. Ive emailed them several times to try and work out the same deal I was given by the previous company. They refuse to answer me and have dinged my credit and are not willing to work with me. Please help. I have a XXXX illness but am not so disabled that I receive disability. This situation is exacerbating my illness and making me feel like theres no end in sight nor anyone willing to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a resolution from Wells Fargo stating that they have committed fraud on my credit report. To this day there is false information on my credit report for four accounts that were not authorized by me. Wells Fargo has recognized the errors after three years of having to dispute this issue. But my credit report is still showing the errors.

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