vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
XXXX of last year, I became suspicion that my loan with then XXXX XXXX inXX/XX/XXXX may not have aboveboard. In XX/XX/XXXX, my loan was processed primarily via certified mail and phone calls. At the time, the mortgage broker contacted me to refinance my mortgage was in a financial rut and credit was very poor. I realized that should not have been approved for a loan of {$75000.00} given checkered credit history. 

So, I decided to review how my loan was processed to allay my suspicion that my was not kosher. I requested a facsimile of the documents generated during the process of my. Caliber Home Loans, the mortgage holder, informed me in writing that the documents I requested were proprietary as such would not be made to me, mortgagee. For several months, Caliber Home Loans employed duplicitous tactics to thwart my efforts to obtain access to the documents that I requested. 

In XXXX of this year, Caliber Home Loans ' Attorney, XXXX XXXX, made the documents available to me. After a thorough perusal of these documents, I uncovered conflict and discrepancy between the settlement statement with respect to the actual amount that then XXXX XXXX paid to my first mortgage holder, XXXX XX/XX/XXXX. I found a distinct difference between what was recorded on the settlement statement vis a vis the document that was sent to XXXX XX/XX/XXXXto settle my principal balance. Also, the settlement statement suggests that I received a payout for {$1400.00}. I saw no other document that shows that I was given a payout during the process. Also, as I have argued ad nauseam during the past eleven months that I do not recall that I received such a payout. Again, the process of my loan was done in such an unconventional manner virtually by certified mail and phone calls, I suspect that a lot of errors was made given how my loan was initially processed. 

Given the discrepancy and the aforementioned conflict, in an email dated XX/XX/XXXX, I requested a facsimile off the checks that then XXXX XXXX issued to me and two creditors, XXXX XX/XX/XXXX and XXXX, both defunct. 
Shortly thereafter, I was informed by Caliber Home Loans ' Attorney that the documents that I requested were not in its possession. It's highly inconceivable that Caliber Home Loans does not have in its possession any documents that would corroborate whether I received a payout for {$1400.00} as recorded on the settlement statement. Also, it's not possible for Caliber Home Loans to not have any documents in its possession that would confirm how much then XXXX XXXX paid to XXXX XX/XX/XXXX to settle my principal balance besides the settlement statement & loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
For over a decade, my husband and I have been trying to eliminate a predatory HELOC. This predatory HELOC is an adjustable-rate, interest only loan, and over the years payments due have varied from about {$200.00} to over {$700.00} each month. The monthly amount demanded by the current loan servicer, First Citizens Bank, is currently {$590.00} on a balance of about {$31000.00}. 
Since the monthly amount due varies ( increases ), it is difficult to budget for this loan and even more difficult to continue making payments. 
After falling behind on payments, we appealed to First Citizens Bank for a loan modification. We also tried to enlist the services of a homeowner advocate agency to act on our behalf. First Citizens Bank refused to work with that advocacy agency. 
Once we submitted a hardship letter, and over 50 pages of personal financial data, First Citizens Bank made the following offer : A payment of {$590.00} due XX/XX/2019, with payments of {$1000.00} due each month for the next six months. 
The terms offered by First Citizens Bank do not help our situation and will actually make our situation worse! 
First Citizens Bank argues that because the monthly payment they demand is a relatively small percentage of our household income, we do not qualify for relief from this predatory loan. While our income may be higher than that of some Americans, we, like many Americans, struggle with debt. Although we are nearly XXXX years old, we are still repaying student loan debt. We have several thousand dollars of credit card and personal loan debt. And of course the added debt of this interest-only adjustable-rate HELOC. These debts were NOT incurred through travel or luxury. They are the result of home repairs, car repairs, medical bills, and vet bills. Regarding our home and our standard of living. Our home is falling into disrepair and we have been unable to afford a little getaway type vacation in well over ten years.

In truth, this predatory loan has been for us, a decade-plus nightmare comparable to having a XXXX XXXX. We are simply seeking the peace of mind that we will be able to stay in our home. 
Our home is, by far, our single biggest financial asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
There were two ( 2 ) charges made to my account ( {$1.00} and {$29.00} ) on XX/XX/2019 that was not authorized by me. I spoke to XXXX ( a supervisor ) from Citibank on XX/XX/2019 @ XXXX XXXX EST and she told me that she could not return my money back to my account. 

I would like you to help me get my money back.

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 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Back in XX/XX/2019 a company called XXXX charged my credit card for {$230.00} without my consent. I had done business with them before but they were not authorized to to charge anything else on my card. They did and I immediately disputed the charge with CHASE. I explained to CHASE the situation and they promised they would look into it and handle it. I was told to provide information multiple times regarding what was charged and why I was disputing it. I did that and even called CHASE multiple times to explain why it was not a valid charge. They contacted the merchant who not only provided them with doctored emails but also claimed to have mailed a product to me that I NEVER received. I did not receive or activate a new device that XXXX claims to have provided me. Nor did I ever request it. CHASE sent me a letter claiming it was a valid charge even though it was not. So again I disputed it and they told me to send additional documentation which I did. At that point I asked for a Supervisor ( which recorded conversations will prove I was told one would call me back ) yet for 2 weeks no one did. Then I receive another letter saying again the case was closed. When I confronted CHASE of why a Supervisor did not call me they lied and said no notes where in the system when I know the phone conversation is recorded and happened. They failed to gather all the information, they consistently lied, and took the word of the merchant who sent them doctored documents. That is plain fraud. They did not protect me in this situation as consumer and so I have no choice but to file a complaint and escalate this to look into their practices and also have this charge disputed and off my bill. They brought this on themselves for the way they handled the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My student loans have been on autopay for years. I have not missed or been late on a payment for well over 5 years ( don't think I have ever ). In XXXX of this year I noticed the repayment was still on interest only, I called and after many hours on the phone was finally able to get them to switch repayment from IO to one that was amortizing. I asked if the autopay would remain and was told yes. I live in NJ but spend the work week in CT at an apartment I rent. As a result I'm not home Monday through Thursday and knowing that my account was on autopay, I instructed my wife to just put anything from UAS ( University Accounting Services )  - which I'm assuming is the loan servicer - in the shredder. A few months later I noticed my credit rating had dropped. When I investigated the cause, I found it was the student loan account. After further digging I saw that autopay was still on, but UAS was only pulling the old IO payment from my account, so I was underpaying by the principal component due. I called UAS and explained that I didn't understand why they didn't keep the autopay as I had set it up to collect the full amount due, and furthermore, if they weren't going to do that, why had I not been told I would need to amend the autopay to now make a larger payment. The autopay was not set up as an outflow from my bank but rather them pulling from it. I asked what could be done to reverse the reporting to the credit bureaus, to which I was told basically nothing. I asked to speak to a supervisor and again explained the situation, I was told the request would be placed with an account specialist and they would call me back. This was over a week ago, and not to my surprise, I have heard nothing. I immediately brought my account current when I discovered the error and instructed them to amend the autopay to pay the balance due each month in full. They also told me it was the lender that submitted the default ( even tho payments were being made, just not the new higher payment ) to the credit agencies. I asked for contact info so I could speak to the lender. I was told they didn't have a phone number, only an email, and they couldn't give that out. The lender is XXXX XXXX XXXX XXXX. I want to get this removed from my credit history as it should have been very clear to anyone there looking at it that the autopay was not updated. If someone took 5 minutes to look at the account, they'd have seen very clearly that it was still the old payments being pulled by them and a simple phone call to me to update ( it's a mystery to me this wouldn't have been updated automatically ). There were no phone calls made, no emails sent. I just want to get this blemish off my credit report, and the credit report of my father, XXXX XXXX, who co-signed the loans some 10+ years ago. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

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 2019-07-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM EQUIFAX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points

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 2019-07-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Immediate Credit Recovery
State: FL

Complaint narrative:
I am currently working with Immediate credit recovery to resolve a student loan of about {$2000.00}. We have worked out a payment plan that I have agreed to as them and signed off on. And stated making payments on. Today at about XXXX on XX/XX/19 they called the XXXX and to my XXXX. From XXXX The secretary did transfer to my work phone ( she didn't know any better ). I tolled them not to call me at work. I am a XXXX  and work at a XXXX. A miss XXXX XXXX was the rep from ICR.  She initially presented her self as security or something like that We talked for a few minutes about the loan and that I and making payments on this. We have scheduled payments of {$15.00} to come out of my bank account on the XXXX of every month to start rehabbing this loan. I did remind her about me not wanting to be called at work. Her tone was harassing and threating. I did inform her that I would be making a complaint that it was illegal to call someone at work if they said not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I was working two jobs to make ends meet when I took out this loan and now I am down to one job and have found myself struggling to pay this loan back. I have made payments of XXXX since XX/XX/2019 so I have paid back around XXXX dollars on a XXXX loan. I would like to be relieved of this loan and to have the payments stop coming out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capital One credit card on XX/XX/2019. This card was then lost and a new card had to be issued. Capital One uses the credit card number for the account number so when the new card was reported to XXXX  it showed as a separate account from the original card thus causing the payment history to be double reported. I had missed one payment on the first card but it shows up as having happened on two accounts thus causing my payment on time percentage to be low and lowering my credit score which is causing me a real financial loss as I had to renew a car loan at that time. Additionally Capital one will only correspond by mail about credit reporting issues telling me it could take two and a half months to correct. No other item has to go through the mail with them. This I am sure has happened to many people without them knowing due to the irresponsible practice of using the card number for the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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 belongs to someone else
Company: First Data Corporation
State: IL

Complaint narrative:
My wife has an account on her report that she had some issues with and returns, however I am not associated with that! I was denied check writing privileges under my name, my social, my dl because they say her being a authorized signer on my bank account hurts me writing a check!!! that is completely false, I had no connection with the account she had issues with and I should not be punished when I personally write a check whether she is on that account or not, she is not writing the check, I am under my personal information. to associate us together and punish me for using my personal information to write a check is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2019, I received a notice from the XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid charge to my government travel card, which is allegedly delinquent in the amount of {$7.00}. I told the representative from the XXXX XXXX XXXX XXXX XXXX that I had disputed a {$7.00} charge because I did not recognize the charge and had no receipt for the charge. I also explained that CITI did not respond to my dispute and it had not been resolved. 

Today, XX/XX/2019, I received my third late notice from the XXXX 's XXXX XXXX  XXXX XXXX XXXX XXXX, despite the fact that no payment is due ( CITI screenshot attached ). I still have not received a reply regarding my dispute, although I made a payment of {$7.00} to the account, which posted on XX/XX/2019. 

I view this treatment as harassment and poor customer service. I am concerned about the impact on my job and my credit rating, given CITI 's poor record-keeping and lackluster response.

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 2019-07-24 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: GA

Complaint narrative:
I disputed an old/obsolete tradeline with Equifax on XX/XX/XXXX. XXXX XXXX XXXX verified the account with Equifax as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my Experian report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing XXXX XXXX 's account on my credit report showing the discrepancy ( re-aging ). Equifax will not remove the tradeline and XXXX XXXX XXXX has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I was working two jobs when I took out this loan to make ends meet and now I am down a job and am struggling to pay this loan back.

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