vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
i just retired from the XXXX how can i have a medical bill of any kind when XXXX pays XXXX % for me and the family XXXX. my insurance is still XXXX and the VA. Could some one please explain, this does not belong to me. Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
In XXXX I was approved for a XXXX through XXXX. Prior to closing, my Loan Officer went over final numbers which included a $ XXXX/mth XXXX option, and a $ XXXX/mth XXXX option. Just to my surprise, I notice after receiving my first bill that the XXXX option, which was the interest only payment, was not the numbers that the Loan Officer quoted me. I contacted the Loan Officer who went back over closing numbers and he again agreed that the numbers he quoted were correct according to his mortgage calculator. 

The Loan Officer later contacted a representative from XXXX who had already sold the loan to XXXX to see why the numbers had adjusted. According to XXXX, the rates had adjusted prior to closing and was never locked. Prior to closing, my Loan Officer said that I had the option of refinancing out of the loan with no additional closing cost or fees at anytime. Within the XXXX 6 months after closing on the Pay Option Arm, I decided that this mortgage product was very costly and decided to refinance out of the loan only to find out that pre-payment penalties were attached to the loan ( Pay Option Arm ). Negative Amortization was never explained to me prior to excepting the Pay Option Arm nor the pre-payment penalties. 

In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX. Due to the negative amortization, my loan was no longer affordable. I had exhausted the minimum payment option and became financially crippled. Not only was I not able to pay my mortgage, I also felled behind on my other household and financial obligations. This caused a major distraction in my marriage. In XX/XX/XXXX, my wife and I decided to separate. In XXXX XXXX, I decided to file a chapter XXXX bankruptcy because of the financial obligations that were left behind after my separation and I could no longer afford to pay my mortgage. In XXXX XXXX, my wife and I were granted an XXXX divorce by the state of Maryland. 

Many attempts were made to refinance or modify loan through XXXX XXXX XXXX but never could come to a mutual agreement on the terms. In XX/XX/XXXX, XXXX XXXX XXXX sold the loan to Nation Star who is now the current note holder. I have been approved for XXXX different modifications but I am not willing to accept any of the terms because of the delinquent payments that they want to attach to the loan. 

I have all of the original loan docs and they are available upon request. I was clearly a victim of predatory lending an unfair practices. Currently, I have an interest in the property and would like to continue living in the XXXX XXXX community so that I can raise my daughter in the community that has embraced her and has contributed to her well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sell XXXX online for payment with paypal. I 'm registered with XXXX and follow strict customer Id and XXXX procedures. I had a customer buying large amounts of XXXX from XX/XX/XXXX through XX/XX/XXXX. We collected multiple selfie with id pictures. Also the customer was shipped secure tokens XXXX to her address and had to read back the numbers to prove she was who she said she was. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, they determined there was near XXXX probability that her identity had been stolen. So after a week though, paypal now claims that her bank did ach reversals on all {$16000.00} that she spent. They want me to pay this. I want the name of someone at the bank to speak to about this and proof, but paypal wo n't provide it. I do n't think I should have to pay paypal back if they wo n't allow me to refute the alleged evidence that they have. I do n't even see any evidence that anything was charged back. Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I am out nearly 100 % of the cost unlike music, videos, or software that are only copies. Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more. And I feel that I should at least be able to see the reversal documents from the bank as proof. If they want to redact some private information that is ok. It is a shame how banks and paypal allow people to commit obvious fraud and theft and do nothing about it, and try to pass along all the costs to the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.

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 2015-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A home equity line of credit that I settled as a short payoff back in XX/XX/XXXX has been updated on my XXXX and XXXX credit reports, with a last reporting date of XX/XX/XXXX with a status of greater than 120 days pasted due. After submitting disputes to this item at XXXX, the status was updated by the creditor as Paid as Agreed for Less than amount owned, but the last report date is still XX/XX/XXXX. I am seeking to have the last reported date to be set to its original state of XX/XX/XXXX. This error makes it look like the item was just processed. I discovered this after being denied credit, and not receiving the best premium for my home owners insurance. The contact with Citibank has been horrendous. 
On XX/XX/XXXX, I submitted a complaint regarding a HELOC that I settled and paid in XX/XX/XXXX being reflected with a last update date of XX/XX/XXXX on my credit reports through XXXX and XXXX. I discovered this issue after being denied an increase in my credit limit and paying a higher premium on home owners insurance. 
I was instructed to contact the Recovery Department by the general Customer Service number. A letter ( see attached ) was sent to me from Recovery Services to submit documentation. I called them before sending over the fax, and they said that they do not have the account in their system because there is no outstanding balance to pay after the account was settled. 
I was also in contact with the Loss Mitigation Department ( transfer to them by Recovery ), and the agent advised that they do not have the account in their system, because the account was settled and closed in XX/XX/XXXX. When I asked for direction on whom to contact, the rep ( XXXX ) became hostile, and hung up on me. I then called recovery back, and was able to get the information I needed ( after being emphatic ) to send documentation to your team. I have sent them the following supporting documentation Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit Report from XXXX that has the correct information dating back to XX/XX/XXXX. 
Authorization and Acceptance Letter from Citibank of a short payoff XXXX for cancellation of debt Fund Transfer Wire Last statement for the account reflecting a XXXX balance Discharge of MortgageI have been working on repairing my credit for the last 3 years, and this issue lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I moved XXXX and put my mortgage on auto pay with OCWEN financial services. The modified my mortgage by a few dollars and notified my be us mail. They did not send me anything via email and the mail never arrived through the XXXX postal system ( not a big surprise ). For two months I underpaid my mortage by a few dollars and was only made aware when my credit reporting agency notifed me. I immediately paid OCWEN via electronic payment the balance and changed the amount. I requested then ( XXXX 2013 and again last year, and again last month for someone to review this and correct the negative report. I have received no formal decision just notices that they will contact me if they need more information. 

I would like help in trying talk to a real person there even if it is International Long Distance to try to resolve this. The negative information dropped my credit score XXXX points and is still not back up to where it was despite perfect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

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 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: SC

Complaint narrative:
A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one has removed 100 $ on XXXX separate occassions in the last two months from my bank account without my permission. I reviewed my capitol one account online and nowhere is the amounts noted. I called them and they also said there is no evidence they removed it and to call my bank. I called XXXX XXXX and they got back to me and said most certainly it was removed by them??? The bank is refunding my 400 $ and opening an investigation to get there money back. I owed no balance at any XXXX of those times they just outright took my hard earned cash. And had I not been paying attention I would be out XXXX {$.00} .This is outright stealing and I would love to press charges if I knew how. This company is crooks and everyone knows it. Why are they still open?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
In XXXX 2016 i sent the funds to XXXX for XXXX $ $ so ... i paid pretty big fee for the that service and western union was supposed to reward me for XXXX $ XXXX gift card for placing the order as me being a new customer. The incentive never was awarded.. i indicated the email that WU was supposed to use XXXXXXXXXXXX. I gave them a call to discuss this issue but they continue saying to keep waiting which does not make any sense. Hopefully you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2017 my checking account with Peoples Bank was compromised with an unauthorized " ach '' withdrawal from XXXX XXXX. As I do not have an account with XXXX I immediately called the call center as soon as I discovered this mistake on XX/XX/2017. A case # XXXX was opened and I was sent an e-mail with the required affidavit form attached and was told I could fill it out and e-mail back. I could not open the attachment and called back immediately and was told it could not be sent in any other format so it would be mailed. Instead of waiting for it to arrive by mail I went to the XXXX XXXX branch a few days later where two branch employees spent almost thirty minutes trying to help me. They could not open the attachment either or obtain the form any other way. I left there with no choice but to wait for it to arrive by mail. When it did not come after waiting nine days ( from XXXX to XXXX! ), I went to a different branch at the XXXX in XXXX because I was in that area and once again the teller tried very hard to help me to no avail frustrating both of us. All she was able to find out from the call center was that I did have a case open and " the form is in transit by mail ''. Today is fifteen days from the first call to Peoples and I still have not received the affidavit form required to correct this costly mistake. The debit was {$280.00} plus {$37.00} overdraft fee which totals {$320.00}. I only receive {$XXXX} direct deposit on the XXXX of the month from a pension. I have not had access to the {$320.00} which I desperately need. Peoples Bank has delayed rectifying this problem that should not have even occurred in the first place because I did not authorize this withdrawal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I spoke with Experian and my report updates from XXXX never took place or uploaded to Experian 's system. There is massive fraud in regards to my personal and professional information being reported by Experian. Name XXXX, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XX/XX/2017 I spent close to one hour reviewing the fraud and Experian was helpful to have me contact a local police department in regards to the Fraud. It looks like all 3 credit agencies are not correlating information timely or have been able to do so do to this fraud. XXXX was supposed to clarify these matters with Experian, and they got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate 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 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was advised by Well Fargo that XXXX XXXX, who made a mistake with my autopay, would not let XXXX XXXX take money out of my account. They reassured and promised me this. It is recorded. The next day, I had a XXXX balance in my checking account.

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