vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2018, I did a balance transfer to my XXXX 's perks card in the amount of {$1400.00}. On XX/XX/18 I paid {$200.00}, XX/XX/18 I paid {$49.00}. The {$49.00} was to go towards my bill and the {$200.00} to the bal. transfer. I called and spoke with a rep who said she would do this as only {$15.00} was showing applied to the bal. transfer. XX/XX/18 I paid another {$200.00} and called to have them allocate {$100.00} to the bal. transfer. I also sent an email through the website for the credit card to advise that my current bill is still only showing {$15.00} applied to the bal. transfer. When I called I mentioned this too and she said it was getting done. I made another payment of {$300.00} om XX/XX/18, calling 2 days later to move {$200.00} of this over. I explained I had a concern as this was my XXXX call to reallocate funds towards my bal. transfer and I should have {$500.00} towards it and the bill was reflecting {$100.00} and a change to my original purchase date. The guy said he would fix it and I would see it on my activity as moved online. I said I had heard this several times before and he said he was fixing it. XXXX XXXX I made another payment of {$200.00} and again called to get {$100.00} reallocated. I spoke with the woman for a while and she assured me she has a financial background and is one of he best reps they have there and she knew exactly what needed to be done, she would make sure all {$600.00} was reallocated to apply to my bal. transfer amount. I continued to email the person for help as well documenting each time I called. My current bill just came out and guess what, it shows {$380.00} applied to my bal. transfer and the original amount transferred has now changed to {$1200.00}. I do NOT have time to call every month to try to fix this and get aggravated. I have a XXXX  at home and this bal. transfer was supposed to make my life easier but has added hours of work to my life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: PA

Complaint narrative:
Open a XXXX  card back in XX/XX/XXXX. Paid all monthly payments due. In XX/XX/XXXX our payment which the bank sends out was sent 6 days ahead of scheduled, and they put a late charge on account saying they never recieved our payment. When the bank posted the cash check it show that someone wrote an account number on the front of check where the amount of check is written out and was cashed by citibank. I is NOT our account number, this account is a Sears account number and not ours. When we spoke to XXXX  ( citibank ) they refuse to listen and say we must send payment to bring up our account up to current date. We call numerous times got no help, and they keep putting on late fees. XXXX of XXXX, they put a late fee, I called, told them this was there fault, they removed it, kept calling them to see if they put our XXXX on our account which they did not. XX/XX/XXXX they took off the late fee, and said give them time. On the XXXX of XXXX another late fee, and now its the banks fault and we must pay up. As of today, I once again gave them the account number that they put the XXXX on which is on the check and told them it is not ours which they have nothing to show for.

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 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been self employed for over thirty years now.

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 2019-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
The mortgage loan I have with Ocwen matured on XX/XX/XXXX. Since then, I have been attempting to work out a payment arrangement on a balloon payment. They would not accept any payments from me except for full loan payoff. I always make my payments via XXXX. 

After several attempts to contact the relationship manager, I was told to make a payment of {$680.00} to cover the XXXX and XXXX payments. I sent the {$680.00} directly to them through their website. I also submitted the mortgage modification application they requested. When my next mortgage statement arrived, I saw where the {$680.00} was in suspense/unapplied funds. I contacted them again and I was told that they would be returning the {$680.00} to me in the form of a check, and that I would be notified regarding the modification. The check was dated XX/XX/XXXX. I also tried to make two more payments via XXXX which were rejected. 

In XXXX, XXXX, I received the Trial Modification payment notice. I was to pay {$320.00} on XXXX XXXX, XXXX. That week, I went to the XXXX location to pay it and this time, the payment was accepted. However, a few days later I got a letter from Ocwen informing me that I am not qualified for a modification because I am 90 days late or more, and that I can get my {$320.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX  contacted me at work continuously when they were asked not to, contacted all my family to get information from them called several times a day and was disrespectful, rude and threatening. They were not willing to work with me or make arrangements said I would just need to contact an attorney- now my wages are being garnished I need help to try to do a loan rehabilitation but I do not want to talk to this collection agency ever again

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 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have several open debt collections from Commonwealth finance, the most expensive being {$1500.00} and open date is XX/XX/XXXX.. I'm not aware of who this debt collector is.. they haven't reached out and contacted me yet first and to top it off I was XXXX  XX/XX/XXXX so doesn't make sense how they can bill me when I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX.. I was informed that what they did by reporting it to the credit bureau before informing me is illegal and I was informed I can take law action suit against them especially if I can prove I was in XXXX  which is easily accessible on the computer from XXXX county Florida.. I would like all debt by this collector eliminated as soon as  possible so I can move on with improving and fixing my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
I have in my credit report a 30 days late in XX/XX/2018 XXXX XXXX XXXX account # XXXX.I have the account in autopayment .The late payment is incorrect.Please deleted the incorrect information.

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 2019-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have in my credit report a 30 days late in XX/XX/2018 XXXX XXXX XXXX account # XXXX.I have the account in autopayment .The late payment is incorrect.Please deleted the incorrect information.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a copy of my Employment Data Report from The Work Number ( Equifax company ). I found out that someone in the Human Resources department of XXXX XXXX Hospital, my previous employer, pulled my employment record on XX/XX/XXXX. I did not give anyone permission during that time to pull my employment record, and I did not complete an Authorization to Verify form. 

On XX/XX/XXXX, I contacted The Work Number and asked why my employment record was given to XXXX XXXX Hospital. They said that I would have to file a dispute. I filed a dispute that day ( ticket # XXXX ). I also sent an email to XXXX XXXX, Director of Human Resources at XXXX XXXX XXXX ( and cc 'd XXXX XXXX, the Vice President ) requesting information as to why my record was pulled by her department. She wrote back that same day but said she doesn't give out information. She misunderstood or did not read my email properly. I reply by reiterating my question. She never responded. I sent an email on XX/XX/XXXX, and on XX/XX/XXXX, asking her to please look into the matter and give me a status update as to who pulled my report and for what reason. To date, I haven't gotten a response. 

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to The Work Number to get a status update on my dispute. I received no help and was only told to wait. 

XX/XX/XXXX, I received a letter from The Work Number not addressing my concern, but just stating that XXXX XXXX requested my employment record on XX/XX/XXXX, for Employment purposes. 

The Work Number gave my employment record to XXXX XXXX without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I submitted a check for the XX/XX/XXXX payment to Ditect on XXXX-18. The check was in the amount of {$270.00} but was never posted to my account. I have talked to several Ditect reps about the issue and faxed in proof that the check was processed from my bank. They have failed to apply it to the mortgage account. According to one Ditect service rep, issues like this happen often. I fear that this has happened to many of their clients and they are taking advantage of other customers.

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 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
They accused me for sharing my login information which I had told them that I was the one who logged in on my phone for my dad to deposit the check in the amount of {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with Navient who are impossible to deal with and I have had the worst experience dealing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I contacted my mortgage company approximately XXXX of XXXX to state that I had noticed I was being charged for private mortgage insurance ( PMI ) when I received my 1098, even though my principal owed was below the required threshold. They indicated that they would be removing it from my loan at that time. This year, I have received my 1098 from them and observed that I am still paying PMI and my payments would be increasing according to my statement. This is only noticeable when these statements are sent out at the end of the year because throughout the year, these items are not discernible, due to the fact they are all inclusive and listed solely as " Tax & Insurance '' in the monthly statement. I have since contacted them again on XX/XX/XXXX to dispute my need for PMI and was told I would be receiving something in the mail in the next 10 business days but they didn't know why I was being charged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I was contacted my National Credit Adjusters who are a third party collection agency regarding a debit from a payday loan lender. I took out this loan several years ago and paid it off but the company XXXX  XXXX   said i owed more than what I paid. The loan was for XXXX but they were still trying to collect an additional XXXX after i paid them on time and all i owed to them. National credit adjusters agreed to settle and close this account for a agreed upon amount of XXXX. i had my attorney send them a check and they received and cashed it. I looked at my credit report today and they did not settle or close this account as agreed instead they adjusted the amount and have in me in collections now for XXXX. i have my letter from them agreeing on the settlement amount and they got the money. They are baiting and switching this amount after we agreed to close this account as settled and paid. They are now harassing me on my cell phone and at work for an additional XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019XXXX XXXX PST I called Experian to dispute the enquiry and the redirected me to talk to XXXX only. 

Date : XX/XX/2019 XXXX XXXX PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''

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 2019-02-04 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: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX based out of XXXX Utah/ XXXX  XXXX , Idaho won't report my accounts are being paid. They are garnishing my wages, but refuse to report the account as paid.

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 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This medical bill is not valid as at the time of service I had full insurance that should be covered 100 % of this bill. I am not responsible for this account. The doctor 's office should have billed the insurance in a timely fashion and if they didn't do so then its not the patient responsibility.

1. Please send me proof that the insurance refused to pay this bill 2. I also need proof that this bill was billed within the timeframe stated by the insurance company.

3. I need a copy of all these documentation as I don't agree with this bill as its not my responsibility as I met the deductible at the time of service.

a. Written Authorization to collect this debt b. Evidence and proof of this alleged debt including a contract with customer signature c. Date of actual default and last payment to the original creditor d. Proof of validation letter sent to the client e. Notarized signature for a person authorized to collect and date f. Has any insurance claim been made by any creditor or assignee regarding this amount? 
g. A notarized statement that alleged debt was not utilized as a profit or loss deduction and was not claimed as a loss with any assignee of the creditor during the period it may be payable.

h. If this alleged debt is the results of an assignment please provide the contract and terms for this assignment and attached copies as proof thereof. 

Please send me a list of all the documents that were requested by the consumer advocate group mail directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: CA

Complaint narrative:
The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with XXXX who are impossible to deal with and I have had the worst experience dealing with them.

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