vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I dispute this amount with XXXX XXXX. I dont know what that is They called me and threaten me. And hung up on 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 explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Was called by CBE Group. XX/XX/XXXX about XXXX. They are trying to contact the former owner of this phone number, which I have had continuously since XXXX. I have told these companies to STOP calling this number for that other person. I have absolutely no connection or relationship with that other person other than this phone number. We need laws passed to make it illegal for debt collectors to bother new owners of phone numbers formerly owned by the person who had it sometime in the past. 

XXXX XXXX 's comment about insanity applies here - repeatedly doing the same thing without success, hoping for a different result. The citizenry should be protected from this insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Performant Financial Corporation
State: FL

Complaint narrative:
I was a member of XXXX XXXX XXXX for 1 semester while in school ( fall XXXX ) before withdrawing from the school. 

I recently started to look into my credit and noticed a charge from the fraternity on my credit report ( in collections ). 

I first called the fraternity headquarters in XXXX of XXXX and asked what the charges were for and how I could resolve this issue as I know al of my dues were paid when I left the school. Headquarters, located in XXXX, told there me was nothing they could do and I would need to contact the chapter adviser. I left him 3 voicemails that all went unanswered. 

I reached back out to headquarters and again they advised me they could not/ would not take any action towards a chapter. 

XXXX of XXXX I disputed the charge through credit karma and nothing was done. 

XXXX of XXXX I relocated to Florida and was busy moving and settling in and did not bring the issue back up. 

XX/XX/XXXX of XXXX I reached out to the creditor and explained to them the situation on an online submission on their website. They reached out to me on XX/XX/XXXX and offered to settle for {$1100.00}. 

I obviously denied. 

Following on XX/XX/XXXX I reached out to XXXX XXXX, who the fraternity used for billing, and headquarters. Both by Email and I can forward all these emails to anyone who can help. 

XXXX XXXX did not answer so on XX/XX/XXXX I reached out again and did not hear back till XX/XX/XXXX. 
On XXXX I asked again for an itemized list of the charges which I received later in the day. 

I sent the itemized list along with an official transcript from XXXX XXXX  University to both XXXX XXXX   and XXXX XXXX XXXX showing that I was being charged for semesters I was not a student of the university and that all of my dues had been paid prior to leaving the school. 

XXXX XXXX has yet to answer. 

XXXX XXXX XXXX responded on XXXX stating they " understand my concern '' and they " encourage ( me ) to take any action I wish against the chapter ''. And that there was nothing they could do. 

The chapter adviser has been included in everyone of these emails, along with the chapter president and neither has responded. 

I have literally run out of every option possible to resolve these issues and have provided an overwhelming about of evidence showing these charges are not valid ; and the only person who can change then, XXXX XXXX, will not respond. 

I have a lot of emails I can forward showing the lack of assistance and communication from all parties involved besides my self.

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 2019-10-08 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: MO

Complaint narrative:
Transunion is reporting incorrectly a collection/charge-off on XXXX  account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from XXXX  and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted XXXX  and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a private student loan with Wells Fargo. My sister is the co-signer. 
My sister filed bankruptcy. The loan is now serviced through wells Fargo 's Bankruptcy Department. 

Please keep in mind, Wells Fargo does not send out monthly statements. 

When my sister filed bankruptcy, sometime in XXXX, I had to start making my payments to the Bankruptcy department. Upon the start of this, I was told my loan was current and any or all late charges that were on the loan were removed. 

The loan is due somewhere around the XXXX - XXXX of every month ... I have never been given a straight answer. 

On XX/XX/XXXX, I called to make a payment and was told that I had missed a payment in XXXX. I thought this was odd, but scheduled two payments to ensure I would not hurt my sister 's bankruptcy. Her bankruptcy has not discharged yet. 

On XX/XX/XXXX, I received a text message from XXXX letting me know that Wells Fargo not only dinged my credit once, but XXXX times for late payments. 

When I called to rectify this situation, I sent them my banking statements that proved I have made the XXXX payment. Then they said I didn't miss the XXXX payment, but the XXXX payment. I sent them XXXX bank statement showing I paid that XXXX XXXX. Then they said no, I did not miss XXXX 's Payment, but a payment in XXXX of 2018. This is over a year ago and at no time was notified of this missing payment, nor has my credit report been dinged for a late payment prior to the payments made in XXXX. 

On top of it all, there is a 10 day grace period on making payments. I was within this limit when I called to make the XXXX payment. I Should not have received a ding on my credit report for this payment. 

Also I should have received a ding on my credit report for a payment that was supposedly missed a year ago without having the opportunity to rectify it then. 

My sister nor her attorney have never been notified of this late payment, which should have happened as well. If they had .. I would have an opportunity to rectify this sooner. 

In addition, at this time I do not believe I ever missed this floating payment.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage was part of the XXXX mortgage meltdown and the " Investor '' was XXXX Bank. The servicer was Ocwen which has now become PHH. In XXXX, my mortgage was converted to a Shared Appreciation Modification. In XX/XX/XXXX I made a payment to Ocwen by XXXX XXXX on the last day of the month ( in compliance with the terms of the SAM ) and they returned my payment and cancelled my modification. I filed a complaint with CFPB and when Ocwen responded, I assumed that I could not respond and get further help from CFPB. Since then I have had considerable correspondence with Ocwen and I filed a Notice of Error with them. Their responses over the following year confirms my claim and they admit that they had a computer glitch at that time. CFPB and numerous Attorney Generals including Florida sued Ocwen in part for the type of error I experienced. Those suits have been settled but Ocwen has not offered me compensation and / or a principal reduction. The modifications following the loss of the SAM in this incident has raised my principal by over {$100000.00}. 

I realize this is a second submission of the same claim but the new facts prove that Ocwen 's original response was not accurate at best and possibly a fabrication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
Equifax is reporting incorrectly ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove this but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I called to advise that i can no longer make payments. I was told by the representative that they would still debit my account. The amount that they charge is XXXX every 2 weeks. It was a huge mistake to get this lian. The rates are 385 % which is well over the states allowed fees. Tgis was  for a XXXX dollarloan. Over the course of 5 months, i have more than paid off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-10-08 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: AZ

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-10-08 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: NC

Complaint narrative:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Submitted complaint # XXXX to which I have a response from XXXX XXXX in the Compliance department stating that the XXXX and XXXX payments would be corrected to show they were not late ( they were changed in error by New Rez XXXX, it also stated that the XXXX, 2019 payment would also be corrected as this was an error with the account number. XXXX stated in the letter to give it a few days for CRA 's to update and I have done that. This is now XX/XX/XXXX and the still are not showing corrected. There was no E-Oscar number given in the letter to show it was done electronically XXXX would take 72 hours to update CRA 's ) I have called XXXX XXXX multiple times with no response and emailed XXXX XXXX XXXX multiple time again with no response. I have called customer service multiple times and they can not see what compliance has done nor the letter that was sent, so they have not been able to help. 

My house is going to be selling and currently I have no home or apartment to go into because of this situation. Please correct the CRA 's and send the E-Oscar number to get my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a previous due credit card balance with Bank of America. Without notifying me or attempting to make a payment arrangement they withdrew funds from my account in the amount of XXXX dollars and completely depleted my account. 
This company has used unfair biased practices against XXXX XXXX like myself, and targeted us to repay debt without given us the proper channels I attempted to call and resolve the dispute to set up a payment and they laughed at me called me names now my funds are depleted and I am risk of becoming homeless as I can not pay my regular bills and now I can not even resolve this debt if I wanted to thank you for you time

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: IN

Complaint narrative:
This is my third complaint against CMC Funding as they still have not corrected the issue. They keep applying some of my payments to something called suspense instead of to principle. My monthly statements keep showing my next payment due is - {$500.00}. How could I possibly owe a negative amount is they were applying my payments properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: FL

Complaint narrative:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank 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 2019-10-08 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: NC

Complaint narrative:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX   XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # 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 2019-10-08 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: NC

Complaint narrative:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # 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