vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used XXXX to send money for the purchase of concert tickets. I used XXXX through my Bank of America mobile banking app and did not know the transfers could not be disputed if something were to happen. The seller received my money and said he was transferring the tickets into my name however I never received them. I have screenshots of our conversation. I also requested that he send the money back because the transfer never happened. He said he would then blocked me and never sent funds. I contacted Bank of America and they told me I could not dispute the charge. I can also show that the tickets he said were being sent to me were never in my XXXX 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 2019-09-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX My Mortgage company is PHH Mortgage services. My account number XXXX I purchased my house in XX/XX/XXXX. I have had a payment of XXXX for the entire duration of the note until XX/XX/XXXX. I made the mistake of not paying my property taxes on time, The mortgage company Claimed they received a letter and paid it for me, while opening a Escrow Account. I had never had an escrow Account and Did not desire one. I paid my taxes and insurance out of my pocket direct every year prior. I called Phh in XXXX and asked what I needed to do to delete my ecrow account. I was informed that I owed them {$5000.00} and was told to pay before XXXX. I Paid {$5000.00} to them on XXXX and was informed I also owed an additional {$1100.00} for this months payment and fees. I had already made 2 payments in XXXX one on XXXX for {$780.00} and one on XXXX for {$790.00}. I was told everything was taken care of and my payments would return to normal. I called on XXXX to make my next payment and was told they had already paid my next years taxes and opened another escrow account, they refused to reverse it and told me my new payment were XXXX. I would like to refinance my house and was in the process when I was told that there was not a payment made for XXXX. For them doing this it put the first in 14 years over 30 days late on my account which made me have to cancel my refinance and caused my payment to almost triple. I have made many phone calls that were all longer than 2 hours talking to customer service, escrow service, and refinance service, while always asking to speak to a manager. I was told every time, there is nothing they are willing to do, and they have given me no other course of action but to lodge a complaint and hope someone can help me, so I may refinance and get my payments at least back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2019, I received a response to my dispute concerning my XXXX XXXX equity loan. I questioned whether it was reported as a revolving loan, or as a mortgage loan, since I elected to close it as a equity loan. I signed papers to that effect, upon my decision not to continue the loan in its previous status. Equifax responded with a rehash of old data, identifying it still as a equity loan. during the same period of dispute, my credit score dropped over XXXX points. I contacted Equifax and no one can explain the why the discrepancy, or drastic drop in credit scores. My XXXX XXXX XXXX, Equifax published score was XXXX, Recent score on Equifax 's website for the same period was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Utah System of Higher Education
State: CA

Complaint narrative:
There are 4 accounts reporting in error, I wrote 2 letters to XXXX XXXX, XXXX & XXXX  explaining that the delinquencies that are reporting are reporting in error. 
I was in deferment on the dates they are reporting the delinquencies. I received a letter from XXXX saying that it was verified as accurate from the creditor. I then asked all three bureaus for method of verification and never received an answer from all three bureaus. Step 2. I then wrote a letter to the creditor Utah higher Education I sent it certified and never received a response from them. I was never late i was in deferment and would like the late entry removed and my credit report to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the Ocwen Loan Servicing is removing the Ocwen Loan Servicing mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. Ocwen joined shady PHH mortgage, another shady operation thats had so many legal troubles. Ocwen transferred my so-called loan to PHH. Every since the transfer I have not been receiving any notification from PHH about my loan and I am unable to speak to a live PHH representative because every time I call the automated system says PHH is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on PHH mortgage site. I do not know what payments are due. I believe shady Ocwen and phony PHH are once again attempting to intentionally rip off my home because thats what they do. PHH is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady PHH to remove the mortgage account from all 3 major credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I let wells Fargo reposes my car which I only owed around {$1500.00} left. Not only did it take me almost a year to fight them with getting the proof of sale a documents regarding my Repo ( which is still haven't received ) The blamed me for not having the correct address on file and i have still yet to receive. Now its a bigger problem. I am trying to purchase a house and I tried calling wells Fargo to figure out a deal that i can get it paid off as this is the last thing on my credit. Wells Fargo told me " you no longer owe on the Debt it will be closed in 30 days ''. When i asked why they stated they have an internal company policy for Statue limitations on how long they can collect on a repo and my account has passed their statue of limitations which means they can no longer collect on the loan. So I said GREAT! they advised me in 30 days it will be closed. Waited 45 days yes they closed it but it still shows that i owe the amount. When i asked then if i can have the Statue of limitations policy and proof i no longer owe SINCE my credit still reflects that i have a balance left the guy said no. That i should have called them prior to my statue of limitations was up and that I have to get a subpoena and sue them the get it in witting. As big as wells Fargo is I am not understanding why when it comes to my loan they are so secretive. They give me different answers but never have documentation to back up their claims. Another guy told me to submit a credit bureau dispute but they will just keep coming back and saying that the report is valid. Also since ive been submitting complains wells fargo ha been updating my credit report with more late payments from 2006 which is lowering my credit score. At this point i think i have enough recorded calls and disputes to take them to court but im hoping that it doesn't get to that point.

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.

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 2019-09-16 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: CA

Complaint narrative:
XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
MACY 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

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 2019-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I've been trying to setup an affordable payment plan with Navient since XXXX of this year when my IBR plan that I consistently have paid for a couple-few years now expired/needed to be renewed. I've been misinformed several times on phone calls over the past few months and was told one month ago ( third attempt of processing application for affordable plan ) that my payment would be lowered in time for the due date this month because I had made the {$5.00} payment to reset the account into the new plan. Someone on their end failed to submit the paperwork in time so the website still says I owe an amount significantly higher than what it should be. The staff is rude and unwilling to help when I call and quickly offers to set my account up for forbearance every single time I call. I just want help getting an affordable payment amount and don't trust that it is going to happen after speaking to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/XXXX a check was deposited with Bank of America into our primary checking account We are XXXX and this is a regular deposit of quarterly distribution from a company we are partners in. The partnership, and the business checking account with XXXX XXXX XXXX used to make the distribution has been the same for years. The distribution check has been deposited into our same checking account. 
On this occasion the deposit was made via an ATM. This is usual. The deposit slip said there was a hold on the funds until XX/XX/XXXX because " check specific information indicates it may be returned ''. If I had known this I would have held to deposit until it was cleared up, but of course I could not take to check back from the machine before. 
XXXX XXXX XXXX  provided me with a copy of my endorsed check, processed and paid on XX/XX/XXXX and returned to the business account from which it issued. 
Bank of America will not consider releasing the funds before XX/XX/XXXX because " XXXX XXXX has until XX/XX/XXXX to withdraw the funds. I do not believe this is correct. Even if the business check was a fraud, I believe XXXX XXXX XXXX would have only 24 hours to withdrawn the funds then would have to honor the check. 
The funds in our account on before the deposit are exhausted, we are incurring overdrafts and are exhausting cash for groceries, etc. is there any remedy for the overdraft charges? why doesn't Bank of America have to give an account of the funds and release them if they have been remitted as XXXX XXXX documents they have been? 
I can text phone photos of the deposit slip, copy of check endorsed, and returned to XXXX XXXX XXXX after payment, and XXXX XXXX XXXX document showing funds were disbursed.

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 2019-09-16 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: CA

Complaint narrative:
XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the XXXX XXXX XXXX is removing the XXXX XXXX XXXX mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. XXXX joined shady XXXX mortgage, another shady operation thats had so many legal troubles. XXXX transferred my so-called loan to XXXX. Every since the transfer I have not been receiving any notification from XXXX about my loan and I am unable to speak to a live XXXX representative because every time I call the automated system says XXXX is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on XXXX mortgage site. I do not know what payments are due. I believe shady XXXX and phony XXXX are once again attempting to intentionally rip off my home because thats what they do. XXXX is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady XXXX to remove the mortgage account from all 3 major credit reports immediately.

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

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 2019-09-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted via mail, and uploaded documents from 2 creditors who stated the intent to remove accounts from my file, both are erroneous and inaccurate, and I did not own them, or owe..Experian has yet to delete them, I have given them over 30 days, and they said they did verify the info on file to be accurate??? they are liars

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I originally applied for a new Chase Credit Card online. Upon logging into my existing Chase account, I saw the same credit card with a higher promotion offer of {$200.00} back after spending {$500.00}, instead of the {$150.00} I saw on my application. I called and spoke to a customer service rep who assured I could have this changed and to call back once I spent {$500.00} on my card, they made a note on my account to have my reward increased to {$200.00} back. I asked if it was better to change my application so I could ensure I would get this reward, but they said I would be fine. After spending the money a Chase rep told me they were unable to honor this offer. I escalated to a supervisor ( the supervisor confirmed that there was a note on my account for the reward to be {$200.00} ) and also made a complaint on their website, however they refuse to honor the offer that was given to me.

Company response to consumer: Closed with non-monetary relief