vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Applied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for WFB stating a error has been made on their end. 
acct balance is XXXX. 
WFB refused to report to credit bureau findings. 
XXXX XXXX, attempted to re-apply for a pre-paid credit card and was denied.

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 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made multiple attempts to retrieve documents of a loan file of a line of credit agreement involving XXXX XXXX XXXX XXXX which CHASE informally purchased in XXXX of XXXX. 
In XXXX of XXXX a straw man account made in my personage was created to borrow monies in which the borrower straw man inflated the value of the home, concealed the line of credit loan and benefited from the transaction leaving me with the debt that was informally purchased by CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: WV

Complaint narrative:
I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete

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 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: CA

Complaint narrative:
the open.Acct and went car dealership to by a car .I give the Finance Department two Cheak XXXX to hold as a Deposit.they not suppose to deposit them until.I finance to buy a car.they deposit the check in my Acct.I called the bank and spoke to the manager.ask him if he not charge me the overdraft fees.this was a new Acct.they close the acct .and reported to XXXX.I cant open other because. it showing Account Abuse.

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 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Locked out of TD online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
The multiple choice selections did not allow me to provide the proper response. My issue is that a medical debt has existed for over a year, and I never was asked to pay. I did not receive a bill and was not aware of the debt. The debt originated in XX/XX/XXXX, and I was not made aware until I was denied credit on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX, then called the original creditor today XX/XX/XXXX. They were close on the weekend XXXX XX/XX/XXXX ), and on XXXX day XXXX XX/XX/XXXX XXXX. The problem is that TransUnion has told me that the item must remain on the report for 7 years because it was a valid, and unpaid debt. If I am not mistaken, the fair credit report requires the company to provide a bill. The item was only {$50.00} and would be paid immediately if I knew it existed. The debt was paid today after I called the company to verify the debt was valid.

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 2018-01-16 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: CA

Complaint narrative:
I called Experian Credit Report agency on or about XX/XX/2018  to dispute status on a fraudulent collection account with XXXX XXXX XXXX Account # XXXX for the amount of {$360.00}. for a medical bill I did not have service or does this bill belongs to me. I have also filed a police report and provided all the necessary documents and a copy of my Driver 's License which bears my current address. They still refuse to remove the item stated that I must contact the Collection Company on file and update my personal information with them to make my claim valid. This has been on going now for a few months and now results.

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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly on my credit report. They are purposely doing so to keep my score down to force me to be stuck with there ridiculous 18 perfect rate. I have called them over and over to straighten this out. I always paid this loan months ahead they applied money incorrectly to the princable and not the payments if you check the historical information of the loan and simply do the math. I was in fact ahead on my payments what they are reporting is incorrect and there error is affecting my perfect payment history! I have had 4 auto loans never ever late my boat never ever late and this XXXX loan was never ever late. I pride myself on paying things on time this company is reporting incorrect information they refuse to admit it to purposely keep my score down so its harder for me to refinance XXXX XXXX XXXX in XXXX is not a good lender in my opinion. I would never finance with them again!

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.

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 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
It is my understanding according to the " Dispute '' rights in the terms and conditions of my XXXX XXXX XXXX that " all '' disputed charges will be credited until resolution has been reached. 

I believe following my initial request on XXXX via the XXXXXXXX XXXX website email which was for my account to be " Closed immediately '', that I should have immediately received a hard copy of my final " bill/statement '' for this account within approximately 30 days. I DID NOT receive a final " bill/statement '' and have not to date. XXXX XXXX continues to ignore fault while also continuing to add late charges and interest to the amount ( s ) in dispute. 

I feel like XXXX XXXX is " muscling '' me and trying to bulldoze me into paying for their mistakes and improper procedures. I seek your assistance in the resolution of this debate. 

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 non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The
State: FL

Complaint narrative:
This complaint would be a follo0w up to two previous complaints # XXXX filed XX/XX/XXXX, and # XXXX, filed XX/XX/XXXX. 

On XX/XX/XXXX a stamped letter was sent to XXXX XXXX, Senior Vice President, Wealth Management, who would be the person who last responded to my concerns about the accounting of my fathers estate, requesting : 1. A copy of the revised XX/XX/XXXX XXXX tax document filed with the IRS in XX/XX/XXXX by Northern Trust. 

2. All correspondence and tax forms filed with the IRS on behalf of my fathers estate.

3. Copies of all legal invoices billed to, and paid for, by the estate after those received for XX/XX/XXXX. 

As their was no response to the stamped letter, a certified letter was sent XX/XX/XXXX to which there was also no response. 

My complaint would be that this information requested would be within my legal right to review, but XXXX XXXX did not respond to my request for this 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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.

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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will 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 2018-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.

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 2018-01-16 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 — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hello my name is XXXX XXXX i feel discriminated. here i explain in age and nation origin also my XXXX condition. I 'm am a young man that never applied for credit card and soon i will be going to school it is not right that i been denied by a bank name chase. when i was in high school all my friends had chase and i feel chase i like to have credit card but i applied three times i been denied by the credit card application i really feel discriminated is not right that every one else get one and i do n't. the chase bank do n't let me have credit card is not right also is not fair that every one get credit card with chase and i do n't. I 'm a young man is not right a bank of chase i always wanted to have credit card with will not accept me i feel is not equal for me feel left behind. i just writing how i feel against the bank of chase really wrongful the bank denied my application. I 'm a young man trying to start with school trying to get a good credit with chase and now been three times is not right for me also how i feel. really feel discriminated starting a future really seriously not correct what how I 'm feeling. located XXXX XXXX XXXX XXXX, XXXX, FL XXXX Chase Bank ( XXXX ) XXXX or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation