vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I  called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.

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 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX. 
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX  balance and the account is resolved. 
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX  XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX   XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else. 
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold. 
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything. 
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX Care Credit ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me. 

As of XX/XX/XXXX I have not received a letter in response to the validation request however on XX/XX/XXXX the collection was updated to the Credit Bureaus

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 2018-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON XX/XX/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 2018-04-09 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: AES/PHEAA
State: IL

Complaint narrative:
I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation
State: MT

Complaint narrative:
XXXX XXXX XXXX, In XXXX, NM, Trying to Collect a Debt Owed to XXXX XXXX XXXX for {$2200.00}, I had them listed on XXXX XXXX XXXX Who Was Making Payments for me Since last year, I Just found out that the XXXX XXXX XXXX XXXX, Didn't Take me Out of Collections and After Paying off 30 % of the Bill, That they Were Collecting on Over {$3000.00} dollar 's! So I have Stopped Paying them, Because they are extorting money from me for more than I owe on the debt, This is Illegal and I don't know who are how to do anything about this! But I Want This Debt Ended for What I Have Already Paid and if Necessary Charges Brought Against them for Fraud and Extortion,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: OH

Complaint narrative:
XXXX XXXX claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.

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 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: FL

Complaint narrative:
I've been struggling to make payments for decades, exhausted all hardships and deferments and income-based calculation that Ed Financial comes up with are way too high. Last year I was making just over $ 20/hr and my payment was $ XXXX/mo, this year I'm at $ XXXX/hr and they are quoting me over $ 300/mo. This payment suck into the monthly reserves and forces me to abandon by 401k deferment entirely. I'm XXXX-years-old, married and the father of XXXX small children. Ed Financial has been less than helpful and in most cases rude and antagonistic on the phone. Seems like they have no solutions, only. bad news and keep saying " there is nothing we can do. '' My wife and I have considered leaving the US for XXXX, turning our back on the loan to start life anew. How sad it is that a man who has spent his entire life in the service of others ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX and finally XXXX XXXX ) has to actually consider leaving his country of birth with his family in order to escape the burden of this debt. The fact is that - in my lifetime - I will never be able to pay off this loan. My family can't take a vacation or even dream about home ownership because carrying this loan is like a mortgage unto itself. Doubtful that anyone other than another in my situation will care to read or champion for me and my family, but here it is just the same. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
.We purchased a home from XXXX XXXX and XXXX XXXX in XX/XX/XXXX. We purchased a mortgage thru Chase bank. Chase bank has on record that we filed bankruptcy in the passed which we never did. The former owner of the home filed bankruptcy and chase Bank thinks our name was on the deed with the former owner which we have no connection. The deed reads that the former owner granted us the deed at closing. I have called our register of deeds dept and they confirmed we are the only ones on the deed. I also called our title company and confirmed the house was not in the former owners bankruptcy case. I also called the former owner 's bankruptcy lawyer and she confirmed we are not at all involved with his bankruptcy and they have never heard of us until Chase Bank sent them a letter stating about our mortgage loan. On XX/XX/XXXX we received a letter stating it was Chase 's error and that we did not file bankruptcy on our loan and it would be corrected. The only thing they corrected was saying we were not bankrupt on our loan and their records still state we filed bankruptcy in the past. The former owner settled his case so they say it has been resolved but still lists us as filing bankruptcy. I have called XXXX Executive Office to get this resolved on XX/XX/XXXX, was assigned a case number but no action is taken as of XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and they confirmed our name was still on their records as bankrupt. Chase said it was supposed to be reviewed in 10 days but it was over the time. She said she will have them investigate this and have it moved up to the top. We are very concerned this false record will inpact our fulture loan abilities

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF INACCURATE XXXX XXXX AND XXXX XXXX XXXX XXXX   ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card transfer with Bank of America and was denied with incorrect information! I contacted Bank of America about this matter and the representative told me that I had to file a dispute! But I contacted XXXX to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their XXXX representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted Bank of America once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!

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 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
1. I financed my home XX/XX/XXXX for Approx {$290000.00}. 
2. I had a loan modification back in XXXX with XXXX. they only lowered my payments by approx. {$33.00} per month. my original payments were around {$2700.00} per month. 
3. I am a XXXX  employee who was furloughed back in XX/XX/XXXX. At that time I applied for another modification. My payments were lowered to around {$1400.00} per month. I was told that my payments would be stretched out for 40 years, but I could pay it off earlier. 
4. My mortgage was sold to Ditech. When I checked with them about a refinance, I was told I had a balloon payment of approx. {$90000.00}. 
5. I went to my credit union ( XX/XX/XXXX ) instead to have my home refinanced. when I asked for the payoff, I was told I owe {$290000.00} still. When I I asked how do I owe more money after paying a mortgage on my home for almost 10 years. I did not get a sufficient answer. 
6. when I go online to the Ditech website, it says that my principle balance is {$200000.00}. But they sent me something saying that I still owe a balloon payment of {$90000.00}. 
7. I am not sure how I owe more money 10 years after I have been making payemtns on my home. 
8. The Ditech representative ( a male ) was very rude and disrespectful. 
9. I am trying to refinance and leave Ditech all together, but I am not sure why my payoff is more than what I purchased the house for after 10 years. It is my idea that I only should owe what the my statement principle balance states ( {$200000.00} ). Even the credit union representative who is helping, me to refinance says that something is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I filed for removal of my PMI because I have met all terms required ( no missed payments, reached 80 % of my LTV, value of house did not decrease ). I was turned down because they said the value of the house decreased according to the AVM. However, it did not decrease : - Sale Value : $ XXXX - Original Appraisal at time of Sale : $ XXXX - Current Appraisal Value : $ XXXX They stated that the value decreased from the original value because the appraisal value went from $ XXXX to $ XXXX. However, the original value is defined as 'the lesser of the sales price of the secured property, as reflected in the purchase contract, or the appraised value at the time of loan consummation '. So the value actually increased from $ XXXX to $ XXXX. This definition is very clearly defined in the Homeowner 's Protection Act and by Citizens Bank. 

I sent 2 letters and called numerous times with no response to my messages. I finally got through to a manager who said they would look into it but that 'their investors define the original value differently '.

Company response to consumer: Closed with non-monetary relief