vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: FL

Complaint narrative:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX  XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

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 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
FHA CASE # XXXX A modification was approved on my loan for assistance on or around XX/XX/2018 with Wells Fargo ( WF ). At that time the reported gross qualifying income for my family was stated in the amount of {$6100.00}. 

WF, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2000.00}. However, based on front end debt to income ( DTI ) ratios a gross income of {$6100.00}, and a mortgage payment of {$2000.00}, calculates our DTI, at 33.33 %. This amount of 33.33 %, is outside the guidelines set forth by FHA which has a limit cap of 31 % DTI versus 33.33 % and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. My payment should have been calculated closer to {$1800.00}, based on 31 % of my gross qualifying income. 
Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the WF, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. Needless to say, we are furious that our loan was mismanaged by WF and staff and our family is considering filing a civil suit in order to force WF, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.

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 2019-03-01 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: FL

Complaint narrative:
I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. Experian will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2019-03-01 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:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

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 2019-03-01 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: OR

Complaint narrative:
I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my transunion credit report dated XX/XX/2019. I contacted transunion and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my transunion credit report. Transunion told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to transunion. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dispute Resolution Process- Capital One Card ( Visa ) The representative and supervisor stated that the dispute process takes up to 90 days- allowing the merchant to respond. If the merchant does not respond, the dispute status is changed from pending to resolved and closed. However, for my dispute the 90 days count did not start from the moment the dispute was made ( XX/XX/XXXX ). It was started on XX/XX/XXXX ( a date I was out of the country ). After speaking with the representative supervisor she said actually, the process takes 45 days. Then she said it took 30 days. I asked her why she went from stating 90-45-and then 30. She stated that 90 days is what is stated in the confirmation letter sent to consumers. But in actuality it is 45 days if the card is a MasterCard and 30 days if it is a Visa. I explained to her that I needed to have the correct information because I was pending a pre approval for a mortgage and the dispute was showing in my credit report as pending. I needed a clear date or a letter from Capital One indicating that they were waiting for the merchant to respond within 30 days and if no response from the merchant, the dispute would be resolved. She stated that she was not supposed to tell me that information. That she was " educating '' me. 
The practices of this Company 's dispute process are misleading as they are stating misinformation to the consumers and jeopardizing the financial opportunities to those that have been loyal customers to its business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
OnXX/XX/2019 I had my First National Bank of Omaha bill in hand ( due XX/XX/19 ) and logged in to my account to get a current balance to pay off my account. The balance online was slightly higher than my statement balance, and I paid that balance in full. 8 days later I received a statement from First National Bank of Omaha stating I had a balance of {$110.00}. I called and asked what this amount was, and was told it was interest. I told the Rep I paid my " current balance '' as of the day I paid it off, so I asked the interest to be waived. The rep I spoke to told me First National Bank of Omaha bills interest 2 months behind, and that what was on my bill was legitimate and owed. I asked why and how they billed in that manner, she said they " just did. '' She offered to reverse any late fees I'd ever accrued, to which I replied, " I've NEVER been late! My account is in excellent standing! '' To which she replied " Then I can't help you. '' Every other credit card I have ever paid off has had the current balance available online, or has reversed any interest that hit after payoff. 
I paid the amount shown online as my total balance due. If I paid that balance, represented as " current '' ( which was higher than my statement ), there shouldn't be any high dollar surprise 8 days later. I feel First National Bank of Omaha has found a way to rip off customers by doing this " late '' billing of interest.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I always kept my account in perfect standing, always making payments on time & had just paid my account off. I kept expecting that they would give me a credit increase. But I applied for an upgrade to a Visa card through this chain before XXXX & was turned down. That was my first shock. Then a few weeks ago I went into the store to make a purchase & it declined. I called immediately from my car & they told me they had closed my account. I was totally shocked & in tears. Then about a week later I got a letter in the mail from them about it! They told me my account was in excellent standing. I have had XXXX XXXX this past year & a few things fell through the cracks that my husband was paying. He had also applied for some refinancing on our car & the hard checks brought my credit down. All no fault of my own. I think this is totally unfair that they closed my account when it was in excellent standing. And it wasnt like I had a huge credit limit. Only {$300.00}! I had been working on building my credit back up prior to getting XXXX XXXX. I had done really well getting my scores up. I had gotten up to almost 700. My account should not have been closed! How can anyone ever build their credit if banks treat people this way?! It should be illegal. Thank you for your assistance!!

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 2019-03-01 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: NY

Complaint narrative:
To whom it may concern : I filed a dispute with Transunion to remove a fraudulent account that is listed on my credit report. They stated it was verified and did not provide any proof although, I know I have never had a account with XXXX. I am trying to establish credit and this is hindering my process and progress in life. 

Thank you, 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 2019-03-01 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: FL

Complaint narrative:
I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. XXXX  will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
You are known by the company you keep, and Citi is keeping company and is complicit with some very bad actors. I was billed {$310.00} by Citi for items from " XXXX XXXX '' and " XXXX '' that I did not order and did not receive. Citi sent me a form which I signed stating that I did not order the items and did not receive any benefit. Citi initially credited the billing but subsequently re-biled me. I called Citi and asked them what they had that was more credible than the forms I had signed stating that I did not order the items and did not receive any benefit. After three separate requests sent over a couple of months, I finally received a set of documents that Citi said they received from the two companies involved. It appears that this all started when I ordered a product sample from a company by the name of XXXX. I went through the documents and was unable to find any documentation that I ordered the items I was billed for, nor any proof that anything had been sent to me. I have called Citi several times and asked that they point out where in the documents it shows my placing the orders, and where in the documents it shows anything shipped to me. The Citi employees I talked to agree they are unable to provide me with proof of my ordering or receiving anything of benefit. Two of the Citi employees were forthright in admitting that this is a scam, that they get an enormous number of calls on it, and while it is a scam, unfortunately it is not fraud. In order to protect my credit rating I have paid the amounts Citi billed, however, Citi should be ashamed of their complicity in such a deceitful business practice.

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 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I made a payoff to my Direct loan XX/XX/XXXX on XX/XX/XXXX for {$9300.00}. On XX/XX/XXXX I log in and see that it was processed but instead of being allocated like I directed, it was applied across several loans. It also showed a second payment was processing for the same amount, allocated to the correct loan. I called the company to figure out why they were processing it twice and why the first payment was allocated wrong. I spent 40 minutes on hold, only to be told it could be fixed and the payment could be re-allocated. The rep put me on hold subsequently hung up on me. When a I refreshed my online account, the second payment was no longer showing processing ( it was gone ) but the first payment was not fixed. I received no follow up and my account is still not fixed. This is the second time Navient has screwed up how to apply my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: OR

Complaint narrative:
I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my XXXX credit report dated XX/XX/2019. I contacted XXXX and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my XXXX credit report. XXXX told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to XXXX. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.

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 2019-03-01 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: LEXISNEXIS
State: NJ

Complaint narrative:
In the month of XX/XX/XXXX, I placed a freeze of information on my reports with LexisNexis, the freeze was granted and took place on the XX/XX/XXXX. On XX/XX/XXXX, LexisNexis released my information to XXXX Credit Bureau, without consent and unlawfully disregarded my Freeze of information. I respectfully request from CFPB to have LexisNexis delete the information of the chapter XXXX bankruptcy that was released from my report immediately with confirmation. Documents are being sent and underway to CFPB by USPS Mail to show the proof of LexisNexis Violation of releasing personal and public information to outside sources violating the FCRA and the Federal Law. 
On XX/XX/XXXX, I have sent a dispute to LexisNexis concerning the bankruptcy chapter XXXX reported on my file, a formal respond was suppose to have taken place from LexisNexis within 15 days, 40 days has gone by and I haven't heard any reply or any response from LexisNexis, which also puts LexisNexis in violation of the FCRA and should demand it to Delete the chapter XXXX bankruptcy off my report. Documents of proof are under way to CFPB. I request from CFPB to use it's proper laws and inspections over this matter and have Lexis Nexis Delete this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Recorded my confidential communications without my permission. It has been over 30 days and they have not responded to my authorized Represenative. No lawsuits have been filed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I attempted to address an incorrectly reported debt with MRS BPO, L.L.C. but was informed the debt had been transferred again to another company and would need to be resolved with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation