vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NC

Complaint narrative:
I have attempted multiple times through chat, message, email and phone calls to lower my payments to an affordable rate. My payment was at an affordable rate and I was making payments on time, however that Income based plan ran out. I was required to apply for another plan. I can no longer afford those payments. I am at a loss of what to do know and I'm close to being in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX  THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from my mortgage Servicing Company shellpoint XXXX XXXX XXXXXXXX XXXX XXXX that their records show that I did not have Hazard insurance at the time following that letter I called on XX/XX/XXXX and spoke with a representative and they had called my insurance agent XXXX XXXX at XXXX   XXXX in XXXX XXXX XXXX XXXX  XXXX we were placed on a 3-way phone call where they had gotten all the insurance information figured out and verified then again I called back on XX/XX/XXXX XX/XX/XXXX and none of the information had still been verified for whatever reason on XX/XX/XXXX I received a final notice saying they still have not received my fire hazard insurance for the property so on XX/XX/XXXX I called against but was another representative who again had mr. XXXX fax over the information I had Then followed up on XX/XX/XXXX two times I made a phone call and again on XX/XX/XXXX finally receiving a letter on XX/XX/XXXX that they had received an acceptable policy for the reference property and the previous years insurance was also faxed to them at that time showing that there was nothing lapse within the insurance policy then I received a letter on XX/XX/XXXX stating they still did not receive the hazard insurance policy the property so again and I called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and still have got nowhere with Shell Point during their whole servicing time also I received delinquent tax notices once to twice a month that the taxes are not being paid and there are late fees and interest that has been computed and as of recently as of XX/XX/XXXX my payment went up to XXXX from XXXX then in the last two months they're charging me an overdue payment charge and I have not been late on any of my payments I've used bank cards and I can show that none of my payments have been late and now my payment is up to XXXX I have spoke with the XXXX  at  the XXXX XXXX tax collector 's office she had informed me that the taxes are being paid late there was actually XXXX where they were not even paid and previous with Shell Point service mortgaging I had paid one year in advance of my insurance. So for 4 months now I am paying more money that I can not afford and have made numerous calls with no help in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a XXXX XXXX XXXX credit card through Synchrony Bank and I paid off my balance on XX/XX/2017. I have not used my credit card since. they closed my card, not because I have not done business with them since XXXX. They reported this to the credit bureau and it caused a negative effect on my credit score. I refuse to be bullied into staying in debt.

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 2019-06-03 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: NY

Complaint narrative:
On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Transunion reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. XXXX  LOWERED MY CREDIT SCORE BY 51 POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Transunion responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Transunion DID NOT add the 51 points back to my score!

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 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to open a new checking account with BMO Harris Bank. Their website had an error and I could not fund my account online. On XX/XX/XXXX I called the bank to fund my account and finalize opening. They instructed me that their website was having issues, so I had to mail in a check to fund my new account. I did this, which took until XX/XX/XXXX to post to my account. This delayed all account transactions until then - all due to a website error on BMO 's part. 

During this time, I was required to make meet some requirements in order to be eligible for a {$200.00} welcome promo bonus. The requirements were to make 10 debit transactions + receive two direct deposits of {$500.00} each, all within 90 days. 

Due to BMO 's website error and unforeseen delay, I could not get my account number in time, or log in online, to properly schedule my payroll 's direct deposit in time to meet their deadline. I did end up fulfilling their requirements, but a few days after the deadline. BMO does not want to honor their {$200.00} welcome bonus despite having considerable setbacks on their part.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax won't allow me to freeze my account. I went online the week of XX/XX/XXXX to create an account on their site so that I would be able to freeze the account. They said they couldn't verify my identity and they would mail me a pin so I could log in. On XX/XX/XXXX I received the pin by mail and went online to complete the freeze. The site said I have to call them. 

OnXX/XX/XXXX I was on the phone with them and tried to get a login and/or freeze my account but they are saying they can not do it because they do not have sufficient information about me. The reason being that I never took out a loan -- this is exactly the reason I am trying to freeze my account, because I want to protect my credit score. But they insist that they won't help me unless I fax them a letter, including a copy of my social security number and my passport. I had to speak to 3 different people and get bounced around 4 times on the phone. 

The other two credit bureaus allowed me to place a freeze in a matter of 3 minutes. I refuse to share such sensitive information with a fax number, the receiving end of which I don't know, and which offers ZERO security. Equifax is discriminating against individuals with flawless credit, thereby opening them up to further fraud threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak English the  ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa 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 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On Saturday XX/XX/XXXX I used a atm machine to do a withdrawal and did not receive my money, I am requesting a dispute and refund of my money that I did not receive at the ATM machine on XX/XX/2019 around XXXX XXXX I went to the chase ATM machine at the corner of XXXX XXXX and XXXX XXXX to withdraw money out of my account. I initially tried to withdraw XXXX but the bank ATM machine told me that I had exceeded the limit allowed, so I try to withdraw {$540.00} and proceed with the transaction when I Selected to print the receipt and the get cash, the window that the cash is disposed out of did not open and I did not receive money or a receipt for that transaction I begin to do the Transaction again because I did not believe this was happening I tried tseveral times and nothing came out. I did another is a separate transaction for {$80.00} and the same thing happened.I did not receive any money from the Chase ATM machine that is on the corner of XXXX  and XXXX XXXX, I am requesting a dispute and a disbursement of my {$620.00} back. I Call the number on the ATM machine to speak with someone at Chase customer service and they express they could not do anything until I speak with my bank, this experience has cost me a great deal of stress and inconvenience me to where I can not pay my rent and my bills that is due today! 
On Monday I went back to the branch to speak with a manager and the manager also informed me that there was nothing that he could do and gave me his business card to contact customer service again,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: ME

Complaint narrative:
On XX/XX/2019 I responded to an on-line advertisement by XXXX who offered a free sample of their product ( just pay shipping charge ). I used my Citi credit card with the ending number XXXX. The following day while doing a bit of research on the product I ran across a customer complaint who had ordered a similar product and ended up being charged later for additional merchandise he did not order. Together with some Bogus sounding claims by the company that it was owned by XXXX XXXX who had discussed the product on the XXXX  XXXX show I was afraid I might be scammed so I called Citi the next day, XX/XX/2019, and reported the XXXX card lost so no future charges could be made on it. I was issued a new card ending in XXXX the next day and told to notify any companies that had recurring charges on the old card of the change since those payment would not be processed. 
When I received my XXXX statement there was a charge of {$89.00} by XXXX posted on XX/XX/2019, over 2 weeks after the XXXX card number that they had was cancelled. On XX/XX/2019 I called Citi and informed a customer service person named XXXX of this fraudulent charge. She said it looked like the merchant had established an account with recurring charges. I told her I didn't have an account with them, much less a recurring one. She said the charge would be waived pending further investigation and any further charges by this vendor would not be processed. On XX/XX/2019, to my complete amazement, Citi notified me that they had finished their investigation and determined that it was a valid charge! I mailed a response to their letter on XXXX advising them that I did not order, nor did I receive, any product after the free sample and furthermore XXXX does not have my XXXX card number so the charge was made on a credit card that had been cancelled over 2 weeks prior to the charge. Citi was played big time on this. They accepted a charge on a cancelled credit card and were deceived into believing the charge was otherwise legitimate. And they are trying to stick me with the bill. Citi should be ashamed of themselves and XXXX should be investigated for fraud. I hope you can help with this situation since Citi 's latest correspondence threatens notification to credit reporting agencies. I am proud to have credit scores in the 800 's for years. I am XXXX years old and this situation is really stressing me out. I would appreciate any help you can provide.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/19 I received an email from Experian stating " Your account has been updated, XXXX You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX '' I did NOT authorize or change any of my log in credentials. And emailed them immediately after this occurred. However, the identity thieves changed my recovery email, password, and security questions so now I am locked out of my account. I contacted them by phone but they refuse to change the account back to what it was prior to XX/XX/19, ie I am requesting that the original email be reinstated so that I may log into the account. 

I have sent daily emails to the XXXX and have received no response or resolution. I also contacted them on XX/XX/XXXX, XX/XX/XXXX and XXXX by phone and they say nothing can be done.

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 2019-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
challenge financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years. I asked for a week extra time to be able to pay it but the Rep XXXX is not willing to help, instead he threatens me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Td bank claims I own them money for a checking account that was opened under my name I never have lived in XXXX XXXX XXXX XXXX XXXX nj XXXX I live in XXXX XXXX XXXX XXXX New Jersey XXXX td bank dont have my drivers license or information that was used they must get rid of this account as it is in collections and affecting my ability to open up a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This complaint is regarding the debt in collection in the amount of {$94.00} being reported by IC System opened XX/XX/2019, being reported on my XXXX credit report. 

This amount due was when I had an account with XXXX XXXX XXXX, prior to it being taken over by XXXX XXXX. When I had my account with XXXX XXXX XXXX, I resided at XXXX XXXX XXXX XXXX. When I moved from that location, I turned in all of my cable boxes and equipment and asked what any remaining balance I had due, which at that time was {$94.00}. That amount was paid at that time in person. This was also either at or very close to the time XXXX XXXX XXXX was making the transition from XXXX XXXX XXXX to XXXX. 

When I moved to my new address, I did not have services put in my name. However, I did receive one remaining piece of mail at my new address from XXXX XXXX XXXX, stating I owed {$94.00}, at which time I called XXXX XXXX XXXX and was told, I did not owe that amount as that bill generated close to the time I turned in my boxes and paid the {$94.00} in cash and that it was an overlap. I had a {$0.00} balance. 

I received no subsequent mailings or billing statements from XXXX XXXX XXXX. In reviewing my credit report, I discovered the account in collection with IC Systems for the {$94.00} bill from XXXX XXXX XXXX now XXXX. The first time I called IC Systems was on Tuesday, XX/XX/2019, at which time, they confirmed they still had the incorrect address for me on file which is why I never received anything in the mail from them. Otherwise, I would have taken care and disputed this sooner. 

I have also disputed this through XXXX and it is my understanding it has been removed from my credit. I am likewise, requesting it is deleted from any and all other credit reporting bureaus such as XXXX and also XXXX and no additional collection or judgement or public record activity be noted.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: UT

Complaint narrative:
FIRST COLLECTION SVCS reported to the credit bureaus a debt that was involved in identity theft and fraud. They never sent a notice to me by mail of this debt which I know nothing about instead they went ahead and reported it to the credit bureaus without proper notice which in itself is a violation under the FCRA and FDCPA. 


They can retrieve the police report Police Reports REPORT NUMBER : XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CA

Complaint narrative:
Back in XX/XX/XXXX I got a call from a XXXX XXXX Credit card company saying that I was past due on my credit card. I have never applied for this card, so I asked when it was open and how much was owed ant the address on this card. I was told that it was open XX/XX/XXXX, there was a balance of {$140.00} on the card. I was told that it was sent to an apartment. She would not give me the address. I told her that I DO NOT live in an apartment I have lived in the house or the past 16 years. She told me that it was only the start up fee and late fees that were on the card. I have told her that it needs to be closed, I did not get it or apply for it. She said it would be closed and I would receive a letter. It can take up to 90 days for it to be cleared off my credit report. 
I have received a letter stating that the account is closed. Still to this day, it is on my credit report, causing major issues. It shows it as currently open, That I am LATE on the payment with a negative pay status. 
This needs to come off my credit report, it is now XX/XX/XXXX, and it is still on there.

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 2019-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Last month on my mortgage statement there was the following note LENDER PAID EXPENSES Required expenses paid by Mr. Cooper on your behalf to another company ( e.g. legal or inspection fees ).  XXXX. 
I called Mr cooper about this expenses and they were unable to tell me what the fee was for. They told me that they would get back to my in written ( email ) about what the charges are for by the end of the month, that was at the beginning of XX/XX/XXXX so the said they would get back to me by XX/XX/2019. Today XX/XX/XXXX, I still have not received anything. I have called the company back today and sent me the follow PDF, that say they did a property inspection and legal fees. Why would I be responsible for these fees. My account is current, I had fallen behind but I may all of the back payment this past.

Company response to consumer: Closed with explanation