vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing XXXX XXXX XXXX XXXX with TransUnion for the past few months. My last time disputing this item was XXXX XXXX, XXXX. XXXX XXXX was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. TransUnion has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. TransUnion has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I used my PayPal account which years ago set up a line of credit for me based on my good credit rating, called PayPal Credit, linked to my PayPal acct, to transfer {$100.00} into the account of an organizer of " Meet-Ups '' for a weekend rafting trip. The lender for PayPal Credit accounts is Comenity Capital Bank. 

On the day of the trip, the receiver of my money informed me of various facts not previously disclosed, adding many miles to the trip and other disclosures about the area which I 'd not been informed prior to paying him. I did not join the " Meet-Up '' trip, nor get anything I 'd paid for & requested he credit me for the money. He refused and he used the date of payment for the trip as the same date for any refund, even though he omitted substantial disclosures until 3 days later, XXXX XXXX, XXXX, the date of travel, so I filed a dispute with PayPal/PayPal Credit. 

PayPal first summarily denied my dispute without so much as reviewing any information I sent them, since the trip promotion emails & emails on the day of travel confirm my statements. I asked for an appeal & provided the email documents from him. Those documents were received into their resolution center, under my dispute. However, the following transpired showing a total lack of any cooperation or action from the Protection Services Dept.  agents, in the resolution center. 

On XXXX, XXXX of " Protection Services Dept. '' stated " I can see your issue was resolved '', which made no sense, was vague and nothing had been resolved. This was after receiving the emails which contained the proof of claim in dispute which I 'd sent to be reviewed, Next, I received from XXXX, " Protection Services Dept. ", on XXXX at XXXX XXXX a request that the emails I submitted be " screenshots '', rather than sending the emails the only way I 'd known to do to the email address given to me. So, I complied and learned how to send the emails on my tablet as screenshots, and then sent them to their email address the only way & address I 'd been given by them. Next, on XXXX, XXXX XXXX the third agent, XXXX, " Protection Services Dept. '' sends me a completely conflicting message, now saying that the information can not be sent that way & needs to be sent differently wording her response at if it were to an inquiry instead of an on-going appeal/dispute, and in the resolution center mailbox, it now shows my dispute as no longer open. I will print and now fax the emails one more time, as of XXXX XXXX, XXXX, but have no faith whatsoever that any action will be taken, as not one agent of the 4-6 Ive spoken to in the process of this dispute even acknowledged,  accepted nor read my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.

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 2017-11-03 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: NY

Complaint narrative:
This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-03 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: TX

Complaint narrative:
I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A Walmart credit card account was recently added to my credit report with a balance and a history of being opened for 6 years. I have never opened any account with Walmart. I do not have any Walmart credit cards. I barely even shop at Walmart. My credit score has decreased by 11 points and my account inquiries have increased. This is unauthorized!
Bureau Name : SYNCB/WALMAR Age : 6yrs, 2 months Balance : {$590.00} Date Reported : XXXX XXXX 2017

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 2017-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Before I decided to apply for a heloc loan I asked the coordinator I a seven year old bankruptcy was going to be a problem. He advised me that a bankruptcy was only looked at for the first four years. That a seven year old bankruptcy would not be a problem. So I proceeded the application process. I also checked with my local chase bank heloc, I was asked personal question like what race was i and sex I considered myself. information person and received the same information and I would need at least a XXXX credit score, Then after checking my credit report the seven year old bankruptcy was shown and my credit score was still a XXXX. No problem right? I was denied the heloc loan and was told the reason was the bankruptcy on my report. The double talk I received the chase bank leads me to believe I am being discriminated against for race or sex.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
My reverse mortgage was sold by Champion Mortgage to XXXX XXXX XXXX, a contractor for the US Department of Housing and Urban Development.
During this transition, my house was flooded in the Louisiana flood of XX/XX/XXXX. My flood insurance company paid the claim and the proceeds were sent to Champion Mortgage so they could make the disbursements as the work on my house was completed in stages.
The disbursements were to be made in 3 installments. I received the first 2 installments. The third installment remained with Champion until the reconstruction was completed.
The file was transferred to XXXX, but Champion claims XXXX rejected the funds and they were returned to Champion at least three times.
I am asking for assistance in locating the last flood insurance disbursement of {$20000.00} so I can pay the contractor for the work that was completed in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion Credit Report because I have credit inquiries that I have no idea of and they will not do anything to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: AL

Complaint narrative:
XX/XX/XXXXPurchased mattress and mattress cover from XXXX XXXX XXXX  XXXX AL.XX/XX/XXXX Called XXXX XXXX XXXX to Pick Up and Return Misrepresented Items Sold to Me. Called XXXX and XXXX XXXX to Advise of Return and Credit to Accounts. XXXX entered a dispute claim and has subsequently credited my account for the taxes and delivery fees charged. XXXX has not credited my account despite adamant assurances by representative XXXX that my account balance was showing a {$0.00} balance ; that XXXX had no pending charges to my account ; nor any authorizations for charges by XXXX XXXX XXXX or any others to my account ; and, that no charges could be placed on my account once I authorized my account to be closed that evening as she recommended ( Note : My account is not showing that account was closed at my request, just that it was closed!!! )XX/XX/XXXX XXXX XXXX XXXX XXXX Driver Picked Up Misrepresented Items for return after I waited all day for them, because they do not provide a specific pick up time frame -- inconsiderate and inconveniencing the customer with their XXXX open pick up time.
XX/XX/XXXXXXXX XXXX Charged My Account for XXXX XXXX XXXX Items returned onXX/XX/XXXX, despite assurances otherwise. Balance owed of {$1400.00} showing up on Experian, not XXXX or XXXX. This has caused an adverse effect on my previously excellent credit scores and reports.
I am requesting that this balance due be corrected to reflect a XXXX  balance at XXXX XXXX, Experian, XXXX, and XXXX for the returned items that were misrepresented to me by XXXX XXXX XXXX ; and that my credit scores be returned or elevated back to their high and excellent levels prior to this deceptive situation ; and, that updated reports from all reporting agencies be sent to me and others accessing my reports within this time frame.
I also want to make other consumers aware ( Buyers Beware ) of the deceptive non-return policy of XXXX XXXX XXXX XXXX not wanting to pick up merchandise for 30 days ; the misrepresentation of the contents and feel of their merchandise in the store vs what is received. Also, the inaccuracies and untruths told by representatives at XXXX XXXX ; and the inaccurate reporting by Experian Credit Reporting Agency.
Your very prompt attention and cooperation in all these matters is most appreciated.
Sincerely, 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 non-monetary relief