vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I refinanced with XXXX XXXX on XX/XX/XXXX, funds received by PHH mortgage on XX/XX/XXXX and reconciled on XX/XX/XXXX. On XX/XX/XXXX I notice PHH continued to bill me for 2 months mortgage payments and reported to my credit that I Was now 60days delinquent. I called several times to PHH and continue to be put on hold with no one ever coming back. I was told by PHH that the funds had been returned to XXXX because it was short of the payoff they sent. I have all documents and the pay off was accurate yet PHH continued to bill me. All of a sudden I am now being told the funds have been returned to XXXX XXXX  on XX/XX/XXXX. PHH held the funds for 6 weeks  before returning them to XXXX XXXX. I am currently in a battle when all I wanted to do was a simple refinance and reduce my debt to increase my credit. At this point they have destroyed my credit and I cant understand how PHH could hold these funds for 6 weeks and not communicate with any of the parties involved for 6 weeks and continue to charge me daily interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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 — Investigation took more than 30 days
Company: MOHELA
State: NJ

Complaint narrative:
Mohela recieved notice and proof of my XXXX and my inability to repay loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My student loans are serviced by Navient. I had a payment due in XXXX that I overlooked. They have all of my information on file, including the correct address and phone number. I've received zero calls or letters, but my sister received a letter from them trying to locate me, and asking her to call them. That is a third party disclosure of my debt and is illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

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 2019-09-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2019 Reduced my credit limit to the point that with upcoming account fees and interest I would go over my account limit and they would then charge a over limit fee.

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank care credit opened an investigation on a card opened fraudulently in my name. During this time I was hospitalized over an extended period of time. Their investigation proved that was a fraudulent application. I produce proof to synchrony bank, XXXX  and XXXX. It has still not been removed

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 2019-09-21 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: FL

Complaint narrative:
I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.

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 2019-09-21 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: FL

Complaint narrative:
I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.

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 2019-09-21 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: FL

Complaint narrative:
I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The auto pay feature of the website is limited to the minimum payment amount. This seems like a deceptive business practice that encourages a maximum repayment schedule with maximum interest paid by the borrower. 

This is what the online help documentation says about the repayment : Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian is reporting a charge off from XXXX XXXX  that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. Experian did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that Experian demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX  and were never produced ). Experian has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. 
Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX and haven't had since XXXX. XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX   demanding they fix the error.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION
State: VA

Complaint narrative:
BB & T charged me 4 overdraft fees of {$36.00} each when only one charge resulted in an overdraft of just a few dollars. 
They actually charged a fee for a charge made a few days earlier when there was no overdraft I paid {$140.00} in fees for four charges made which totaled about {$100.00}

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I scheduled a payment to my secured credit card in the amount of {$56.00} on XX/XX/XXXX which was returned by my bank and I was charged a return check fee of {$39.00} on XX/XX/XXXX by Citi Bank. Another payment was scheduled in error in the amount of {$270.00} on XX/XX/XXXX which was again returned by my bank and I was charged another {$39.00} return check fee by Citi Bank on XX/XX/XXXX. My credit limit on this card was {$300.00}. I made a payment of {$280.00} to make up for the payments that were returned on XX/XX/XXXX which cleared my bank on XX/XX/XXXX. I was charged another return check fee of {$39.00} on XX/XX/XXXX. I called Citi Bank to let them know I had fraud on my account and found out that they had the payment of {$280.00} on hold until XX/XX/XXXX. I spoke with a Citi Bank representative who called my bank to verify that the funds did clear which they confirmed it did and my payment was taken off hold. This left me with a credit to my balance of {$110.00} and the full credit limit of {$300.00} available to use. I made a cash advance of {$100.00} on XX/XX/XXXX which ended up leaving me with an available credit of {$260.00} due to the credit on my balance and a credit on my balance in the amount of XXXX. I went to use my card yesterday on XX/XX/XXXX for {$30.00} and the card was declined. I called CitiBank and was on the phone for over 30 minutes when they said that they closed my account due to the 2 payments that were returned unpaid. They said they would be able to issue a check for {$62.00} since that was the credit on my balance but that I would have to wait 1-2 billing cycles for my initial deposit of {$300.00} to be returned. I asked for a manager and XXXX the representative who I was speaking to said no one was available and they would have to call me back in about 10 minutes. After over 4 hours no one called me back so I called them again. I explained the situation to the manager XXXX and she said since the account was now closed she would not be able to issue a check for the initial deposit for 1-2 billing cycles but could issue the check for {$62.00} immediately. So after all was said and done my current balance was - {$62.00} and they owed me {$300.00}. I looked at the account today XX/XX/XXXX and now it is showing that there is a current balance of {$210.00} but there were no purchases and no transactions posted between the 2 days. They are trying to say that I owe a balance now so they can try to swindle me out of my money. I took screenshots of everything. They are trying to scam me and are using unfair and unlawful practices.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
On XX/XX/2019, I checked XXXX XXXX and my score dropped 70 pts. I clicked the option to see whats changed on my account and it stated something about direct tv. I dont recall having any interactions with XXXX XXXX. Might have been a family member, I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NV

Complaint narrative:
I got this letter and havent had a chance to even be looked at the account to see charges.they want to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My checking and savings accounts were hacked on XX/XX/2019. All of my money is gone. {$730000.00}. I notified my bank and I am meeting with them today.

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 monetary relief
Consumer complaint received 2019-09-21 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: MI

Complaint narrative:
On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and Equifax and XXXX have refused to block this information as required under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
We were forclosed on By Citi Financial on XX/XX/XXXX. We have worked for the last few years to build credit and save to get new home. Applied for loan earlier this year. Mortgage company found a discrepancy in filing date. Sent written request including letter from our attorney asking for a correction. None to date. 

They recorded XX/XX/XXXX. The mortgage company will not move forward until this is fixed. BTW at the time we thought and were told Cit was foreclosing on us not Citi Financial. all the same nest of thieves. 

We need you to ask Citi to correct the Registry of deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: MI

Complaint narrative:
On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and XXXX  and XXXX have refused to block this information as required under law.

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A Citibank representative threatened to report my credit card account as delinquent because of a recent fraudulent charge that is still under investigation. 

Citibank is currently investigating a fraudulent charge on my credit card account. The card was cancelled and re-issued at the time the fraud was reported. I have the new cards, as it's been several weeks. 

The Citibank website and telephone system both report a balance ( consisting of the fraudulent charge and its associated foreign transaction fee ) and also that no payment is due. There are no other current transactions on this account besides the fraudulent one. My usual payment due date is still several days away. 

Citibank has not credited the fraudulent amount to my account, nor sent the promised letter so I can provide information for the investigation. On XX/XX/2019, I called customer service, was transferred to the Citibank Security Investigation department, and spoke to representative XXXX. 

This representative asked some questions about the fraudulent transaction, and then pressured me to make a payment on the account while the investigation was pending ( up to two billing cycles. ) I said several times that I would not make any payment because the only transaction is the fraudulent one. 

She said that if I chose not to make at least the minimum payment before my payment due date, Citibank would report my account to the credit bureaus as delinquent and ruin my credit history.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions is reordering debits to account for profit, Last Friday I had 5 transactions, got breakfast at XXXX, got gas and soda, drove to a job, and had lunch ... .at that point I had XXXX in my account, in which I withdrew XXXX. Should have been XXXX plus the overdraft fee!. Except Regions took the XXXX XXXX out first and then overdraft everything from that day. The other issue I have is they do not reflex the actual transaction date, cuz they pend stuff to profit on overdrafts and apparently now it is a new policy to XXXX people over ... .well I had a statement from them showing, that apparently they have a new policy that does change the order but they have removed all my message from the online banking webpage and I am no longer able to send them one .... 
So basically they charged my XXXX XXXX first and all the others after, causing me to aquire XXXX XXXX overdraft fees when it should have only been 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