vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

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 2019-01-10 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to XXXX. Ocwen Loan Servicing has submitted fraudulent documents to XXXX  in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest Ocwen Loan Servicing will be submitted. 

XXXX  allegedly conducted an investigation with XXXX XXXX XXXX. XXXX  was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest XXXX  credit reporting will be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GreenSky, LLC
State: AZ

Complaint narrative:
GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CA

Complaint narrative:
My information has been compromised online which resulted in my information floating around online. I've been abroad since XXXX and came home as of XX/XX/XXXX. As a result of my information being compromised and numerous fraudulent accounts have been opened under my name and social. Also numerous inquiries are listed as a result. 

The following fraudulent accounts aren't not mine : 1.XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. The XXXX XXXX Acct # XXXX 7.  XXXX Acct # XXXX 8. XXXX Acct # XXXX 9. XXXX Acct # XXXX 10.  XXXX XXXX XXXX # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: OH

Complaint narrative:
I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, EQUIFAX, XXXX  inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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:
I was using a Citi XXXX XXXX card for years. After a horrible 4-month fraud " resolution '' nightmare in XXXX, I decided to start using a different credit card from my main bank, XXXX XXXX XXXX. 

I called Citi to close my account on XX/XX/XXXX to close the card, as I did not want to pay the annual fee that would trigger on XX/XX/XXXX. They said that they would waive the fee for next year, as they would like for me to keep using their product. Except on the next billing cycle, the annual fee was on the bill. I called to say that I was going to cancel the card, as my wishes were not followed, and they said it was too late and started making threats against my credit score for not paying the {$450.00} fee. 

I told them that I wanted to cancel the card. They would not process the cancellation of the card due to the unpaid balance. I will not pay this fee that they specifically told me I wouldn't have to pay. As such, Citi has  been just adding more fees and interest to this {$450.00} ever month since XX/XX/XXXX. I believe the amount is around $ XXXX, and now they are sending debt collectors after me and my credit score. How do I put a stop to Citi Cards? Please help!

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 2019-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
My wife and I purchased a home in XX/XX/2017 using a VA loan ( we are both former XXXX XXXX XXXX ) through XXXX XXXX XXXX. At some point, the mortgage was sold by XXXX to XXXX XXXX XXXX. As per our agreement with XXXX, we payed into an escrow account every month, and from that, the mortgage company payed down our primary on the loan, the taxes on the property, and the Homeowner 's Insurance with our chosen insurance provider, USAA. In XXXX, we were contacted by USAA, who informed us that we were behind on our insurance payments. We were confused, seeing as how it all comes out of the escrow account. My wife contacted XXXX several times to resolve the issue. In order to ensure coverage with USAA, my wife made a direct payment to USAA of {$340.00} on XX/XX/XXXX. She was contacted again in XXXX by USAA, who said that we were again behind. She tried to resolve the situation with XXXX for months, and in XXXX she finally got everything squared away, and XXXX told her that they would send a check to USAA. On XX/XX/XXXX we got a letter from USAA in regard to a refund check that they had sent to XXXX. Apparently, XXXX sent the payment late, as USAA said that they did not receive a payment from them until XX/XX/XXXX. By the time it got to USAA, the account was closed. Since the account was closed, they sent the check to XXXX, since they thought that XXXX was still the Mortgage holder. XXXX then sent the check back to USAA, since they no longer had the account. When USAA got the check back, they forwarded us the message from XXXX, which prompted my wife to call USAA for clarification. USAA then informed her that our policy was canceled due to nonpayment. Unbeknownst to us, we hadn't had homeowner 's insurance for almost a month! To remedy this, we payed the balance of {$640.00} to USAA, and requested to renew the policy. We were informed that since the policy was canceled, our monthly rate would now be {$270.00} per month, when it was {$180.00} per month before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: NM

Complaint narrative:
XXXX XXXX is reporting the same debt twice on my credit file with EQUIFAX. This is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had an open case with Lowe 's XXXX I made in XXXX. At the end of XXXX I received a letter from them on this case saying the reason it took so long was because it was under someone else 's name. I did get the printout and on the print out it said pick up later. I didn't pick these things up. I tried to call them on the number on the letter and I left three messages for them to call me back to discuss this. They failed to call me back even though the message said I would get a call back within 48 hours. the last call I made to the dispute department was a week ago and still no call. 

I didn't pick these things up, My question to them was it the person that they had listed on the purchase order that they mistakenly gave the products to? I never received a call to see if I had picked everything up, Did they perhaps call this man who was listed and ask him if everything was picked up and that is why they closed out the order and just put picked up and completed? 

Their failure to contact me and that it took over two months for them to investigate is very telling.

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 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My name is XXXX XXXX. I believe I have been the victim of predatory lending practices on the part of Wells Fargo Home Mortgage Company, which purchased my home loan in XX/XX/XXXX. My home loan, upon a modification by Wells Fargo, went from {$43000.00} to {$52000.00}. In addition, the maturity date went from XX/XX/XXXX to XX/XX/XXXX. The total capitalized amount by Wells Fargo came to {$9500.00}. I discovered a signature page in my records that went unsigned by either myself or my wife XXXX. I believe I was taken full advantage of by Wells Fargo due to my inexperience in this arena.

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 2019-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America mailed out a card for a new authorized user on my credit card. They send it by regular mail and it was lost by USPS. 

The guy who steal the card swipe the card at a local gas station and XXXX  for around {$16.00} and it is an obvious fraud. 

The bank decided to reject the claim because a chip card is used, which they claim will prove it is my responsibility. Which is totally unreasonable considering their " Zero Liability Protection ''. 

I called the Bank, and after a full hour of wait and connected with a supervisor XXXX, I was asked to go through all the hassles of file police report and USPS lost mail case in order to appeal to the claim, without promise that the non-authorized charges will be refunded. Regardless of what I say, they just keep saying there is nothing else they can do.

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 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My mortgage is in active foreclosure. With the assistance of my attorney I applied for a loan modification. After submitting all of the documents requested the application was denied for insufficient income. The income that they used to review the loan was incorrect. They calculated the gross monthly income to be XXXX. We appealed the decision and enclosed proof that the monthly income was actually XXXX per month, not XXXX. The application was immediately denied again simply stating that they are standing behind the original decision.

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 2019-01-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX, EXPERIAN inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.

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 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: FL

Complaint narrative:
Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. 

I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. 

I asked for a written explanation of the program and was denied the request, again being reminded of my debt. 

My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: AES/PHEAA
State: KY

Complaint narrative:
For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XX/XX/XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XX/XX/XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.

Company response to consumer: Closed with explanation