vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: NV

Complaint narrative:
Transunion is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX  / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me ( the patient ). The matter closed with a XXXX  balance. 

This erroneous error must be removed by Transunion in accordance with the FCRA. 

Thank you.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Good afternoon, I want to start by saying that I'm not those who complain, but DITECH has no respect for the consumer. When you call the XXXX you can easily be an hour waiting for someone to answer. I'm escalating this situation to you after unsuccessfully trying, for more than two months, to get an answer from this company. 

I received a letter from DITECH dated XX/XX/2018 informing that a new APR was calculated for my mortgage changing XX/XX/XXXX. Based on their explanation the new interest is the addition of the margin 2.2500 % and the LIBOR published that day at the XXXX. According to DITECH, the LIBOR XX/XX/18 was 3.10388 %. However, looking at the site it shows 2.18175 % for the day ( almost a point difference ), 2.36813 % for a week and 3.05275 % for 1 year. Not even close to the 3.10388 % they indicated. 
See the official LIBOR at XXXX XXXX XXXX link. 
XXXX XXXX XXXX XXXX As a result, the APR should NOT be 5.37500 % ( 2.22500+3.10388 and 0.125 rounded up ) as communicated. Instead, it should be 4.43175 % and 4.37500 % after rounded. It is a full point difference. 
For more than two months I have been battling with it. I have sent 5 emails, called more than 8 times ( waiting almost an hour every time I call ), but neither the customer service rep, not the supervisor provides a solution. They understand the Math after checking the XXXX site but the response has always been, " It is under review and someone will get back to you ''. 
I proposed to keep my previous payment until I get a final answer but the supervisor XXXX XXXX batch # XXXX, said the payment won't be accepted therefore my credit will be reported and damaged as a result. I didn't have any other option than paying the new APR. 
I honestly can not understand why DITECH is taking so long. Im also concerned about how a Financial institution can charge whatever they want without supervision and wondering how many others are in the same situation without even noticing. 

Your help is highly appreciated Thanks in advance XXXX 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 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac owns my mortgage. Loan origination XXXX of {$150000.00}. Had home appraisal on XXXX as I considered a refi since escrow overages was {$4.00}, XXXX and a solution was to add overage amount to principal balance of my mortgage. PennyMac attempted to coerece me into refi with cash-back and $ XXXX credit card debt rolled into refi amount even after I stated that I didn't like the idea, but the loan guy convinced me that it was common and a good thing for me to do. After consulting my mortgage expert who helped me when I purchased the home in XX/XX/2012, she advised of the many details of the loan proposal that were negative in their effect on me, and I decided to not refi but instead decided to pay {$4300.00} out of my pocket. When I spoke with PennyMac to cancel refi and to get my monthly payment recalculated with a new lower homeowner 's insurance policy along with my request that they waive/remove the MI charges, they refused stating that the MI will remain until I either wait 2 years or my principal balance is reduced by $ XXXX. I explained that I have paid 78 months of payments, no late payments, and I have over 50 % equity in the home -- they still refused to drop the MI. This seems unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NV

Complaint narrative:
Equifax is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me XXXX the patient ). The matter closed with a zero balance. 

This erroneous error must be removed by Equifax in accordance with the FCRA. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
XXXX and Transunion are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

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 2019-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
PLEASE NOTE THAT I COMPLETED DEFAULTED/ GIVEN CHOICE ANSWERS TO THE BEST OF MY ABILITY IN ORDER TO SUBMIT. 
On XX/XX/2019, I received an email from Capital One Auto loan thanking the person for enrolling in online payments. I do not and have never had an auto loan/lease with Capital One. I called Capital one several times as well as submitted emails informing them that this account does not belong to me, however this is my email address. I received no assistance and no response via email. 

After several calls and explaining the situation several times to several people. Capital One informed me that there is nothing they can do as I did not have the person 's full account information. My concern is that this person maybe using my information without consent. Additionally, I continues to receive such emails from Capital One. The most recent one, on XX/XX/2019 saying that payment has not been received. 

The account belongs to a XXXX XXXX The account number shown on email is : XXXX This is for a auto loan/lease. 

I would like to know if this person is using more than my email address and for this issue to be rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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 and XXXX  are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Account shows should be reported until XX/XX/XXXX, but I believe there were no payments made before charge off since mid XXXX. XXXX credit report from XX/XX/XXXX shows account closed mid XXXX and closed in XXXX with no record of any payments. I disputed this with XXXX and they deleted the reporting of account XX/XX/XXXX. Dispute with XXXX currently. Disputed with XXXX with result of only balances updated and starting reporting charge offs monthly since dispute. No info in dispute from XXXX  about why not deleted as last payment associated with charge off from XXXX. I just tried to start a new dispute with XXXX about same account, same reason and XXXX online says that I can't submit second dispute on same account, so I uploaded a copy of the credit report from XX/XX/XXXX, showing no payments made in XXXX or XXXX and account should be too old to report now, XX/XX/XXXX, not XX/XX/XXXX. No place to add comments on the upload, only transfer of file, which was the XX/XX/XXXX credit report for XXXX. The account also showed XXXX dollar payments for a period a few years, which didn't happen, and even if did they didn't update the balance. So many errors for this account on all bureau reports, only XXXX deleted account. This account needs to be completely deleted now. Thank you.

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 2019-03-21 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: CT

Complaint narrative:
I paid 2 collection agencies. I was told my credit report would be updated by Equifax. I filed a complaint with the XXXX  XXXX XXXX on XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX. My credit report remains the same..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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  and Transunion are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

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 2019-03-21 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: NY

Complaint narrative:
There are multiple charges in the thousands that were taken from my account but not me and theyve denied the claim. 

XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$140.00}

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech has constantly mismanaged my escrow fund account. 
I received an Escrow Account Disclosure Statement, dated XX/XX/XXXX. I had an escrow surplus of {$6400.00} as I had more funds than needed to cover my minimum escrow balance. This statement said that I would receive a separate check for this surplus amount, as long as my account was current and if my account was past due, the surplus funds remain in my escrow account. My account was current and I did not receive a refund check and although I did not receive a check the surplus funds did not remain in my account. The first attachment is this statement. 
The second attachment is my escrow history where even though I had an escrow surplus, ditech was constantly doing an escrow advance and then an escrow advance repay to make it seem that my escrow account was in arrears. 
The third attachment is my payment history that shows that my escrow payments were incorrectly or not at all applied. 
The fourth attachment is an Escrow Account Disclosure Statement, dated XX/XX/XXXX showing that I have an escrow surplus of {$7900.00}. 
The negligence and misappropriation of funds by ditech needs to be addressed immediately along with an explanation of where my {$6400.00} surplus from last year, {$7900.00} surplus from this year, along with all of the escrow advances and repays is, including why there were escrow advances and repays when there has been an abundant surplus all along. 
And before ditech says that they are not servicing my loan as of XX/XX/XXXX, I am very well aware of that. This is not a complaint about the future. This is a complaint about ditech while they were servicing my loan and the mistakes that were made by their company and documented during that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: OH

Complaint narrative:
I have filed a complaint against charges made on my XXXX XXXX credit card unknown to me via phone. I was told I would get more paperwork in the mail to fill out, but all I got was a letter from them denying my claim. I have also advised them I do not have my credit card in my possession for over two years now. I moved two years ago and I lost it in transaction.

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 2019-03-21 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: MI

Complaint narrative:
I purchased a computer from Best Buy on XX/XX/19. The virus protection that comes free with the computer was not in the box. The following day I went to a different Best Buy near my son 's home and explained the situation to a gentleman in the computer section. He told me he would give me one at no cost, since I did not receive it, I showed him my receipt. He was unable to do so, he went and got his supervisor whom also tried and was unable to have the register accept it. The supervisor told me I had to pay for it, then they could give me a full refund once it cleared my bank, which was the following day. I used my bank card as credit, and they refunded the {$31.00}, the cost of the virus protection to my Best Buy card, which was not the card I used to make the purchase. There was {$22.00} credit on my Best Buy card due to interest. I want the {$31.00} back on my bank card not my Best Buy card. I also heard it is against the law to put the credit on a credit card that was not used to make the purchase. I have waited three weeks, and the refund has not been put back into my bank account. I called Best Buy headquarters on XX/XX/19 and spoke to XXXX, a manager, he told me to go back to the store and have them give me the refund. I told him that the store made the error of not including the virus protection, and then put the credit back on the wrong card, neither one was my error. Thank You, XXXX XXXX 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 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To XXXX  they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. Capital One has failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On Wednesday XX/XX/2019 at XXXX XXXX. I received a response to my support message from " Simple Support Bot '' which said : " Hello XXXX, Last night, there was a credit that was posted to your account for a recent dispute that was filed, and then it was shortly debited back. We're sorry if this caused you any confusion. 

This was due to an error within our systems that we are currently investigating and working to resolve as soon as possible. 

Someone from our Disputes team will be reaching out to you soon with an update on your case via a support message. 

Thanks for being a Simple customer. 

-Simple Support '' When I contacted Simple Customer Service XX/XX/2019 to find out details of this banking errors which deposited and debited funds into my account the man I spoke to was very rude and refused my request for a call back speak with a manager or supervisor. 

I feel this response from a " Simple support bot '' it's a misrepresentation and I would like to see the results of this detailed investigation into the error affected my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  XXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and Trans Union reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To XXXX they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so

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 2019-03-21 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: TN

Complaint narrative:
XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my Equifax and XXXX XXXX  reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. To XXXX  they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TN

Complaint narrative:
XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To Experian they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so

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