vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in Florida that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in Florida and 1 time it was for an address in XXXX, California, which I haven't lived in XXXX, California in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score.  I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards  and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.

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 2019-01-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Mr. Cooper Mortgage Company 1. Paid off {$35000.00} in two payments at end of XX/XX/2018 and beginning of XX/XX/2018. 
2. Requested company adjust payment due on Adjustable Rate Mortgage Loan on future payments reflecting reduced principal on XX/XX/18, XX/XX/18, and XX/XX/18. 
3. Company sent information saying issue will be resolved by XX/XX/18. It was not. 
4. Mortgage company has continued to withdraw the incorrect payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.

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 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: ND

Complaint narrative:
While  in loan be notification with usbank they put foreclosure on my credit report so I could not get financing from  another institution. The real estate protection act and. The Frank Dodd act are still are strictly against this. They ual tracked me and the county also entered a judgement against me at the same time while the bank never foreclosed the collection agency did.

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 2019-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX - Went online to Navient to pay off some loans infull. I paid off {$14000.00} worth of student loans. I received a confirmation email that my payment for the full amount was submitted. 

XX/XX/XXXX - Received an email from Navient stating only {$10000.00} has been paid off. I went online my check my bank account and the full {$14000.00} has been taken out. I contacted Navient but could not get passed the machine to human that could help me with my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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:
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment

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 2019-01-01 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am furious with Wells Fargo Credit Card Services. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to wells fargo when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed 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 explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: AZ

Complaint narrative:
Fri, XX/XX/XXXX, XXXX XXXX  Received " Closing disclosure '' from Eagle home Mortage where " Cash to Close '' amount was displayed as {$31000.00} XX/XX/XXXX was the title signing appointment at XXXX XXXX  at Title company office Wed, XX/XX/XXXX, XXXX XXXX Received another email from Title company manager with wire instruction and final signing statement where the " Cash to Close '' amount had been changed to {$32000.00}. 

I did check with Eagle home mortgage/Title company and Title company and below is the response I did receive. 
" difference that youre seeing between this CD ( issued XX/XX/XXXX? ) and the Final one, issued today, is the Seller credit. The seller credit on the CD issued on XX/XX/XXXX, was {$5200.00}, but this was {$880.00} too high. Per your contract, the Seller will not pay for any recurring closing costs, which is where the {$880.00} is going to. The seller credit was reduced down to {$4300.00}. The amount to close of {$32000.00} is correct, although {$880.00} higher than the CD you saw on XX/XX/XXXX. '' With XXXX XXXX  this is the response I have received You have 2 options as of now Option 1 : Go as per your schedule signing date and signed the title and pay the " Cash to close ' amount as {$32000.00} and then everything will go as planned ( wiring the funds before XX/XX/XXXX, second walk-over on XX/XX/XXXX XXXX XXXX  and key released by XXXX XXXX  on XX/XX/XXXX ) Option 2 : Send me an email that you are backing out and I will send the cancellation docs and the contract will be canceled and builder will keep the Earnest money because you are the one backing out from this contract. 

They ( Eagle Home Mortgage ) did not change the amount as per the " closing disclosure of XX/XX/XXXX '' which I and my wife had signed electronically. 

Finally, I had to reschedule my appointment for XX/XX/XXXX at XXXX XXXX  for title signing and there I was asked to sign the new " closing disclosure '' with the higher amount. ( which was sent to me on XX/XX/XXXX ) I had wired the funds on XX/XX/XXXX evening and on XX/XX/XXXX I did receive the house key.

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 2019-01-01 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: MD

Complaint narrative:
I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed 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 explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was paying debt directly to the company and they sent it off to a collection agency, but meanwhile I was still paying debt and then started paying to them and collection agency.. It is paid in full but it is still showing Charge off as bad debt Profit loss write off. When I made arrangements to pay the debt and they didn't remove it yet ...

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 2019-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am contacting because of the difficulty in paying off the auto balance. 

I initially fell behind on payments ever since I moved to my new address. This was my responsibility and my fault here for not following up. 

In XXXX, I called the Wells Fargo Dealer Service multiple times in an attempt to pay off the debt. A settlement bill was scheduled to be sent a total of three times. The first did not arrive, the second arrived however it was burnt from our house fire. A third was send on the date extension XX/XX/18, with the due date XX/XX/18. The bill arrived afterwards, however an extension was not given. 
We attempted to pay at a local Wells Fargo to no avail. Email was unavailable to pay the bill. There is now a charge-off negative remark on my credit report. 

I would like to address this by paying the debt by the original {$290.00} payments on the Wells Fargo Dealer Services payment portal or get the negative remark removed from my credit report. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the  right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A Foreclosure Sale date is a schedule for XX/XX/2018. I, XXXX XXXX, 3rd Party User, called CitiMortgage on XX/XX/2018, at XXXX XXXX  EST, spoke to XXXX, ID # XXXX, Collections Department, to find out the postponement of the Sale pending access of an appraisal of the property for the short sale purchase, XXXX, he told me that short sale documents were received on XX/XX/2018, file was closed out. I asked what was the reason, his answer Documents Not Returned for the life of me I didnt know what that meant I asked him to explain what it meant he did know that he was in Collections, not Loss Mitigation that I could not be transferred to that Department for explanation, I requested to speak to a Manager. XXXX put me on hold again came back asking for my phone ( XXXX ) that XXXX XXXX, Manager, would call me back. I didnt think XXXX  XXXX would call me back that it was another attempt to deflect any attempt to postpone Sale for a short sale purchase this why this Complaint is being submitted. 

Notwithstanding, I called back this time I spoke with XXXX, ID # XXXX, Ownership Department, at XXXX XXXX  EST, again I asked the status of the postponement of the foreclosure pending an appraisal. She stated that she was told that I needed to speak to the foreclosing attorney, XXXX , XXXX XXXX XXXX , XXXX, I told her that made no sense, again, another attempt to delay any attempt to move forward the short sale purchase. I asked to speak to a Manager, XXXX ID # XXXX, was of the Loss Mitigation Department came on the phone at XXXX. EST and advised me in no way they were going to postpone the Sale for the Short Sale because the owner lived in the house for ( 10 ) years for free and that they needed ( 45 ) days to consider a postponement for a short sale. I stated to him that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that his ( 45 ) days contradicts the State of Maryland Law. If the foreclosure sale and/or ratification occurs, CitiMortgage and all Parties involved will have committed a felony. Please pull the called in the transcript of my conversations with above Parties.

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 2019-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
This alleged debt with XXXX XXXX Medical Center is being reported to all three collection bureaus in the amount of {$300.00} for a XXXX in 2015. This {$300.00} was paid to XXXX XXXX prior to my XXXX. It was later refunded to me by XXXX XXXX as I had met my yearly out of pocket deductible for 2015. Therefore, I do not owe this debt. Please check with XXXX XXXX for accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01 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:
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment

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 2019-01-01 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:
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: GA

Complaint narrative:
I submitted a dispute to Experian to remove an outdated item from my credit report. The reason is the original delinquency occurred in XXXX. The original creditor was XXXX and the item has been successfully removed by the other credit bureaus with no problem. Experian has the capacity to look back at my credit reports from XXXX and XXXX to confirm my claim. However, Experian is allowing XXXX XXXX debt collection agency to report the original delinquency with a more recent date so it can stay on my credit report. The debt is outside the statute of recovery for the state of Georgia, which is four to six years from the last payment. My last payment to XXXX was in 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