vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I submitted documents to M and T Mortgage for a loan modification, as I had fell behind because of unexpected hardship expenses. Im not finally ok, she just want to get my mortgage back on track. 
About 10 days after I submitted the documents via the banks email system for modification applications, I called the bank to check on the status. I was informed by the agent that they do not see my documents. I assured the agent I emailed them 10 days prior and got confirmation of that. The agent then asked me how many pages I submitted, because he explained that if its more than 20 pages, theyd system will not transmit, and that it has to be 20 pages or less. I told him I submitted more than 20 pages, so it was decided I would resubmit the application in smaller amounts of pages. I did so, and they got them.

I made sure to point out that the bank can not penalize me for missing a 37 days guideline, cause its not my fault their system only transmits 20 pages at a time, and the bank never advised me of this, nor was the info on their site. The agent explained that the system failure would be taken into consideration. 
Now I realize it was not, because the sale date was supposed to be placed on hold and it was not, because they claimed I missed the 37 days deadline! Even though its not my fault! Now I have a sale date hanging over my head BECAUSE OF A SYSTEM FAILURE AT M AND T BANK!

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 2019-04-02 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account number XXXX. ( Please see pages 9 and 11 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am getting the round around from the customer service department of Capital One. I am an existing customer and I am being treated like a criminal!! I have an account with this company and I am being treated like a number with them. I am trying to activate my card and I am told that it may take up to two weeks. I called the fraud division today two times and I was hung on the first time and I was put on hold for 11 minutes the second time. I opened a new card on XX/XX/XXXX and was told to fax in my utility bill and other private information ( social security and ID ). After a week I called to check on the status of my card. I was told that the fax I was told to send was blurry and they then told me to download the same information from my cell phone and that they would then activate my card. It has been 4 days and my new card is still not activated! When I call to ask why it is not activated I am put on hold for 11-20 minutes and then the customer service rep hangs up on me. This is the worst customer service I have had in years especially since I already have a card account with this company. I have called to verify that I am the consumer but no one will treat me with respect. They are saying that I am a liar and that I am not the person who opened this account when I have faxed and downloaded information through my cell phone! This company is rude and the customer service is terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
2 Years ago Commonwealth Finance tried to put a debt of {$730.00} that was not owed by me into collections and I received a derogatory mark on all 3 of my credit bureaus. I called them and explained that they had the made a mistake and my last name is different than the person who had the collections account with them. They removed the account from all 3 credit bureaus and now 2 years later they randomly popped back up into my credit report. They are trying to intimidate me to pay a debt I do not owe. I get calls every day and it is driving me insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I have a Home Depot Credit card ( Citibank ) XX/XX/XXXX I contacted Home Depot after losing my job to explain I needed some assistance and hardship to be able to pay this bill which at the time was a little over XXXX. With some other bills I had my husband and I worked most of them out that I had but Home Depot was very nice to me and advised they have a program I could be in that would automatically withdraw XXXX a month interest free for 52 month. I could pay more but nothing else would be added. So after discussing this with my husband we decided to go that direction with Home Depot. 
I called them back to accept this offer and nothing more was said to me I was in the program. For some reason I stopped getting emails from Home Depot so I called and they mailed statements out. I advised I really wanted them emailed so after that I received nothing however every XX/XX/XXXX they took out XXXX from my account. My husband decided we wanted to start getting more aggressive with paying this off so I called to confirm the balance and to get the monthly charged increased and where we found out they had charged over XXXX in interest since then. I spoke to many supervisors for over a week and they advised there was nothing they could do that was the agreement. This is insane I kept explaining and no one will do anything for me I would have never agreed to this. I was told they told me when I started the program the promotions had to be paid or interest would have been charged. I advised that was NEVER stated in the agreement and they needed to listen to the conversations I had with the agents that I spoke to. They advised they didn't have to because they tell everyone this if getting into a program. If I would have known this I would have confirmed how much had to be paid before the promotions were up and focused on paying that until it was paid. I am so upset about this because this program is a scam to collect more money from the consumer. I am also writing to the Better Business Bureau as well. I hope someone can help me get this resolved I have written to Home Depot with my concerns but they really don't seem to care at all! 

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX OH XXXX CELL # XXXX Email 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 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Credit Acceptance Corp is reporting incorrectly on XXXX a collection for the amount of {$12000.00} account number XXXX. ( Please see page 39 of the attached credit report. ) This account is not mine. I do not know who Credit Acceptance Corp is and I do not know how this account got reported to XXXX and ended up on my credit report. This incorrect reporting is harming my credit score. I have contacted XXXX to fix this issue.

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 2019-04-02 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: NY

Complaint narrative:
Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it.

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized.

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On Transunion It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.

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 2019-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/2018 my husband was assess to have a XXXX XXXX XXXX XXXX  XXXX. We live in XXXX County IL where we are now 100 % tax exempt. We faxed to Freedom Mortgage all of the documentation showing the home was 100 % tax exempt and that the tax they had already collected was more than ample for anything that might be outstanding. We asked that the escrow be cancelled since we have our own insurance and there is no tax due. 
Freedom Mortgage recognized the exemption but asked for added information in XX/XX/2018 I then supplied added letters from the XXXX county assessors office and they updated their website to reflect the XXXX amount due as requested from Freedom Mortgage. They continued to try and collect the totally escrow amount due included the non existent tax. I had the township assessor in XX/XX/XXXX write a 10 page document to the Mortgage company stating that there is no tax and I was told by Tax department that this letter was more than was needed to remove the tax. They took 30 days to do a escrow review they decided to remove most of the tax butt forgot to retro activate it to XX/XX/XXXX. So through XX/XX/XXXX and XX/XX/XXXX we are working on getting tis issue fixed. During this time that have been reporting on my husbands credit report a collection for amounts that are incorrect. During our XX/XX/XXXX call I found out we were being double covered by insurance since we have our own. On the XX/XX/XXXX I spoke to XXXX in the insurance division where this company has been collecting money with the premise that they had insurance. I called XXXX XXXX and requested information on the insurance policy. I found out that no such policy exists and that Freedom mortgage has been collecting these funds since XX/XX/1016 on a insurance policy that did not exist. That XXXX in the insurance department confirmed had been cancelled at least a year or more ago but the proceeded to collect funds ( Insurance Fraud ). So as of today they added the tax back on the payment ( which doesn't exist ) and the insurance premium for insurance that doesn't exist.

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 2019-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I mailed out the letter to Equifax to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to Equifax and to XXXX. 
Equifax came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also XXXX has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX  and they have deleted it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/19, I discovered my XXXX 's account had been closed due to non-use. When I requested it to be reopened, I was told I had to apply for a new card. Every time an account is closed or a new one is opened, it affects one 's credit rating. Why are credit card companies allowed to close an account due to non-use? The XXXX 's card is issued by XXXX XXXX, which issued me a XXXX XXXX credit card. Why can't they check that account to determine my payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I paid the amount owed on the date XX/XX/2018 The account was completely paid off, but I still receive notifications as if I hadn't. The account is still open in my credit and I contacted the company but they haven't fixed the issue yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In early XX/XX/2019 I filed an online request to obtain my annual free credit reports from XXXX, XXXX and Experian. I have received reports from XXXX and XXXX. I received a letter from Experian dated XXXX XX/XX/2019 declaring I did not provide sufficient information to send me my report. I do not understand why, when I go online to request this information, it is adequate for 2 firms and inadequate for the third. I have tried for 2 days to contact Experian and have been unsuccessful. After the recent Experian data breach disaster, and the lack of concern for common Americans exhibited over the last 26 months by the liar in the White House and his indictable cohorts, I am extremely concerned that my personal information is either 1. compromised and available to fraudulent or criminal sources, or 2. inaccurate, untruthful, or just plain wrong. I accept that in the end, I am the one most responsible for my security. However, I have been unable to contact any human being at Experian to seek help on this matter. I believed that completing my request at XXXX was the correct way to review my credit information. Is this no longer true? What advice can you offer about how to either contact Experian, or make a request that they remove any and all information about me from their records and confirm that fact to me?

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have numerous reports concerning the same issue and all go UNRESOLVED because you, my protection agency close the report immediately upon receipt of a response from the identified credit bureau. I am being denied credit or LOAN and charged usurious rates AND PAYMENT REQUIREMENTS TO PURCHASE based on incorrect and outdated information and the credit score is at minimum of 40 points lower from third parties using their system and you send me an email this seems to be similar- really! When will you assist. Right now within seconds i have negatives on my report shopping for a car which here in Florida I am allowed to do at one dealer! Does it matter if you have proof OFF SHORE personnel have access to America personal credit information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
I have two mortgages with Ditech, and have had them for years. In XXXX I scheduled my XXXX payment for both of my accounts. I did not recieve the typical email confirmation, so I called in, and was given the confirmation number. I explained that I had two accounts, and was assurred that the payments were both there. On XX/XX/XXXX, I received an alert from the credit bureau that my credit score had dropped due to a 30 day late notice on Ditech mortgage. I immediately contacted them, made another payment, and began the process of sending information to get the 30 day late removed. Finally, on XX/XX/XXXX, I received a letter from Ditech that they would change the infomation reported to the credit reporting agencies. Just getting that letter took several hours of calls, and going through several people, but I was happy I got it. I was assurred this would be reflected on my credit report in 3-5 business days. As of today, XX/XX/XXXX, it has not happened. I am now working directly with the credit reporting agency in hopes of fixing this situation soon, as I have been turned down for loans due to this problem. But, then it gets better. I paid my payment in XXXX for both loans again. I was traveling for most of the month, and had not reconciled my bank account until yesterday. Now, the payment for the other loan has not cleared for XXXX!!! I went on line to check yesterday, and it was reporting as if it had not been paid. I paid immediately, and this morning started the process all over again for this loan. However, after being on the phone for almost an hour, and talking to someone who did not seem to understand what I was asking, I was sent to a manager and told my account is closed and with another loan company. I need to contact them for customer service. They, of course, can not help me with Ditech, and I was aware that as of XX/XX/XXXX, I was to go through the new company. However, this is a XXXX issue. I know Ditech is undergoing re-organization, ie, bankruptcy, because they sent customers a letter a couple months ago. I understand they may be having troubles that may take a little longer to get fixed. However, I am a long time customer with them and I have never had anything like this happen. Now it has happened twice in a couple months. I am frustrated, and fearful that they are going to repot yet another 30 day late on my account, and I can not do anything about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are not mines

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 2019-04-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Visa Card over the last year has replaced my card due to several fraud charges. 

Then one charge that was fraud would not be credited and Chase claimed that the charge was valid. The charge is not a valid charge for {$25.00}. 

After several months of trying to get the charge corrected, with no positive results, I demanded Chase Visa, credit all service fees, interest charges and the invalid fraud charge one last time. No response from Chase Visa except for the monthly bill being sent each month. 

I then wrote Chase Visa and demanded the account be closed since there is no longer any trust with their service or products. Chase Visa then sent a letter asking for payment and money to keep the account active. 

I no longer want to do business with them and have informed them of this and to close the account and bring the balance to XXXX.

Company response to consumer: Closed with explanation