vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: TX

Complaint narrative:
Equifax was notified of the error on my account as soon as discovered. As required by Equifax, a corresponding identity theft report was filed. A notarized copy of the identity theft report ( FTC # XXXX ) as well as notarized copies of my driver 's license and copies of my utility bills were sent last XX/XX/XXXX and again mailed in XX/XX/XXXX to Equifax to update and correct my file. In XX/XX/XXXX, they corrected my file and enabled me to place a Credit Lock on my account to prevent more errors. 

In or around XX/XX/XXXX, the incorrect address was again added to my account ( XXXX XXXX Address ). When notifying Equifax, their representative XXXX found my prior information, but because my account was managed by the Fraud department because of the identify theft report. Speaking with XXXX ( Manager XXXX ), I was informed that they would not remove the address from my file without me sending him another notarized copy of my government issued identification and additional utility bills, along with a new FTC report. 

At this point, don't know how to make sure fraud is removed from my account as it seems impossible to keep incorrect information off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Called to find out repayment options. Income is low and they will not lower my payments. Which means i can not or will not be able to pay amount and could go into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear Sir, on XX/XX/18 I contacted by phone and online Experian, XXXX  and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.

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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been approved for Citi Platinum Select World Elite Master Card on XX/XX/XXXX with credit line of {$13000.00} and XXXX miles bonus from XXXX XXXX ( after making {$3000.00} purchase within first 3 month ). 
Promotion is eligible for people who didn't have account for 24 months. 
Because I had accounts with Citi Bank previously, I called the bank on XX/XX/XXXX to check when my last account was closed, so I would know when to apply for a new card. 
I was told that my last card was closed in XX/XX/XXXX. I verified that information few times, explaining to the agent that I need to be sure about that in order to get bonus miles etc. Assuming that it has been 24 months since the last card was closed, I applied for Citi Platinum Select World Elite Master Card on XX/XX/XXXXstatement if using Platinum Elite Master Card. I called the bank and was told that my last account was closed in XX/XX/XXXX, and I am not eligible for XXXX bonus miles, {$200.00} statement credit and any other benefits offered!!!! 
I have been waited for almost 2 years being aware of the Citi Bank policy, and could have been waited for another 2 months!!!! I called the bank prior to applying for, XX/XX/XXXX and was approved. 
I went to pay for my ticket on XXXX and there is a message about {$200.00} card the card and was misinformed by the agent!!!! 
Citi bank should fixed that mess and award my XXXX points and {$200.00} statement credit!!!

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 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY
State: IN

Complaint narrative:
My loan payoff was requested on XX/XX/XXXX, per the customer service rep with Oceanside Mortgage Company -- XXXX XXXX XXXX I spoke with on XX/XX/XXXX there was a 10 day hold placed on the account so no payments would be sent out. Only XX/XX/XXXX an insurance premium payment was sent out for {$470.00}. This does not align with the 10 day " hold '' that my account was placed on. I sold my home, closing date on XX/XX/XXXX and received the profit the same day via check. The customer service rep stated that my account was closed on XX/XX/XXXX. On XX/XX/XXXX another payment was made for {$410.00} to pay my MIP insurance to XXXX XXXX, per the same customer service rep XX/XX/XXXX. I requested a copy of the MIP statement to see proof that payment was in fact necessary and owed and was refused a copy, stating it was electronic and not something they received or could look at to reference. The balance of my escrow account belongs to me and the insurance payment should not have been made as the account was on " hold '' from the payoff request. After requesting the refund of the escrow balance I was also refused a copy of the bill they received in XX/XX/XXXX and were required by law to pay to XXXX XXXX for the MIP. The only thing they would provide me was a copy of the Underwriting paperwork that was created when I bought the home in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: TN

Complaint narrative:
Someone tried to activate service under my name with XXXX XXXX without my knowledge or consent. I am disputing a credit inquiry from XXXX that was submitted to XXXX XXXX on XX/XX/2018. I am asking that the inquiry be removed from my credit report as I did not authorize this inquiry.

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 2018-09-17 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: TX

Complaint narrative:
I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.

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 2018-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I got divorced in XX/XX/XXXX and went behind on 3 properties total of 3 mortgages and 1 HELOC. All 3 mortgages companies worked with me on load modifications except 1 company XXXX XXXX XXXX XXXX. They sold my HELOC to XXXX XXXX XXXX. I was working with them for quite some time and then they sold it to Selene Finance. Selene Finance has been rude, unbearable, uncooperative and they told me I am being forced into foreclosure. I need a loan modification and the investor denied because they said I was at 49 % debt to income ratio. Their home appraisal was even fraudulent. The appraisal came out $ 250k higher than the other banks I worked with. I even offered to pay the loan for principal in full and if they can remove the excessive fees they are charging. They said " no, you are going into foreclosure because you have enough equity in your home. '' The problem with that is I have XXXX children and XXXX of them are in school. How do I sell my home? Why can't they just modify the loan and do a 3 month trial period? That is correct I don't owe much on my home and I can't refinance with another lender because this loan shows outstanding for over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with XXXX XXXX XXXX ( Ref #  XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, Capital One did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date Cap One has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have two credit card accounts with XXXX XXXX. ( XXXX XXXX XXXX &   XXXX XXXX XXXX  ) On XX/XX/XXXX of this year a salesperson at XXXX XXXX XXXX requested an increase on my XXXX XXXX XXXX credit card. Instead someone at Synchrony raised my XXXX XXXX credit card amount and put the first charge from the XXXX XXXX XXXX retailer on that account. I have called and done a live chat with Synchrony and instead of just transferring the increase from one card to the other they lowered the XXXX XXXX card and then refused to up the XXXX XXXX XXXX card. This is clearly their mistake and now all these mistakes will be on my credit report not to mention now I can't purchase the kitchen renovation that I thought was all on order.

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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
they didn't properly disclose to me that they were charging me a servicing fee. I paid it on time online and now they are trying to charge me a servicing fee for making a payment online. The amount they state on the first page is the monthly payment amount. It only gets added to the amount they are going to charge on the 2nd page. Furthermore, I tried to cancel it online and they don't have an option to cancel a payment ( it was made on a Sunday ). I tried calling on Sunday before it was processed and they were closed. When I called on Monday ( today ) they said it was already processed and they couldn't do anything about it. The loan servicer gets paid large fees to service the loan. Why do they also need to be shady about charging servicing fees to the people that pay their mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. 
THIS IS NOT A NEW COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: CA

Complaint narrative:
I filed a dispute with Experian open on XXXX the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1300.00} I provided the information over the phone do dispute this collection since the online dispute did not allow me to input the info myself. The investigation was completed in one day. I received and answer to the dispute on XXXX XXXX. I called Experian on XX/XX/XXXX and asked them about their investigation. They said they requested verification that this was my debt and that the collection company said this was my debt. I asked them do they not investigate or do they take the word of the collection agency. They said they are suppose to get verification from the collection agency but it was not in my file so they didn't receive anything. They said they would file a better dispute than the original one. This information is being taken over the phone by a person who does not speak very good english and does not understand me well. I did not want to be rude and ask for another person but i think this is a hinderance to the process

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 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
My SS check gets direct deposited. I then pay my bills. I sent out 2 draft checks from my account, one was properly handed, the other was not. Then I noticed an amount that had been debited was credited back and redebited. The check in question presented after I had thought my account was in a positive balance and after I paid another bill leaving my account overdrawn. I was socked with 3 XXXX fees for the check. When I called about it, the bank employee cou ; dont get his story right regarding draft checks and personal checks. He refused to do anything about the overdraft status. I literally have zero money now to purchase food or go to the doctor. And that is because of this. I have documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Citibank/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to CBNA XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank XXXX XXXX XXXX XXXX # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

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 2018-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank of America ( Ref # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of BOA  XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

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 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Purchased XXXX XXXX XXXX XXXX from XXXX XX/XX/2018 for charges to XXXX Credit Card : {$60.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018. 
These amounts were initially charged to my XXXX Credit on XX/XX/2018, respectively, and on XX/XX/2018, for remaining four equal charges. 
These amounts were refunded directly by XXXX XXXX not the creidt card ) to my XXXX  XXXX   account on XX/XX/2018 for the first charge, and XX/XX/2018 for remaining four equal charges. 

XXXXXXXX XXXX has received these refunds, however the charges were not deducted from my XXXX XXXX  account, not crediting them back to the merchant, XXXX, as I requested numerous times. As well, I requested an itemized statement be sent to me via XXXX mail of what was done with the refunds received by XXXX XXXX, via phone requests, as well as a faxed request on XX/XX/2018, as I was directed by the XXXX, XXXX XXXX, to do ( fax # XXXX ) in order to receive my request via XXXX mail. 
I have Not received the requested itemized statement via XXXX mail. As well, XXXX XXXX has not removed these charges from my XXXX XXXX account and has in fact moved them to be paid by XX/XX/2018 as a promotional purchase. 

I am paying my XXXX Credit Card for the purchase of this item and XXXXl XXXX  is still charging me for the item as well. XXXXXXXX XXXX  has not applied the refund back to the merchant, XXXX, from which the purchase was made as requested.

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