vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Today a representative of Carter Young ( XXXX ) representing a debt from XXXX XXXX XXXX XXXX called, and she was very rude. When I asked if I could get the bill she stated that the original debtor should have sent me the bill. I then asked if I could get a letter in regards to this debt, and she stated that a letter had already been mailed to an old address that I hadn't lived in at for 3 years. At that time she became rude, and I had to ask her to stay cordial over the phone, and allow me to provide her with my new address. After I gave her my address, I asked her for her name, and she hung up the phone. This is very unprofessional. I have the right to know who I am speaking to, and what is the exact information for the company that is contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: DE

Complaint narrative:
I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 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: DE

Complaint narrative:
I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.

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 2018-12-06 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: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: DE

Complaint narrative:
Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same. 

Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.

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 2018-12-06 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: FL

Complaint narrative:
The dispute process with XXXX began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). XXXX  did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. XXXX failed to provide any of these. To date, they are currently reporting this entry on Transunion and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for Transunion to send a fully updated, current report to me that reflects this outcome.

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 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IL

Complaint narrative:
My mom opened a XXXX account in my name years ago she passed away and their is a derragotary mark on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: OK

Complaint narrative:
Transunion has the following unauthorized inquiries and I wish to have them deleted. XXXX XXXX XXXX  - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX. XXXX- XX/XX/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 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
NATIONSTAR IS ENGAGED IN SYSTEMATIC ILLEGAL ACTIVITY AND CONSUMER FRAUD. THEY HAVE CONFIRMED THIS LOAN WAS FRAUDULENT, THEY HAVE CONFIRMED ESCROW FRAUD HAS OCCURRED, AND INSTEAD OF HELPING, THEY ADDED THEIR OWN FRAUD WHICH WAS UPLOADED FOR PERMANENT PUBLIC RECORD AND FOR MY RETRIEVAL FOR THE LAWSUIT WE WILL BE FILING AGAINST INDIVIDUALS AND CORP ... .. WE HAVE CONFIRMED LOAN DISCLOSURE /ORIGINATION FRAUD, A COPY IS PROVIDED ) .WE HAVE CONFIRMED LOAN SERVICING/ ESCROW FRAUD. ( A  COPY IS PROIVIDED ). BOTH COPIES CAME FROM NATIONSTAR ... .THEY ARE FULLY AWARE AND VERY VERY COMFORTABLE WITH CRIME AND FRAUD ... .IN ADDITION, WHILE WE TRIED TO RESOLVE THIS, WE REQUESTED PMI INSURANCE/FEES BE REMOVED, ALSO OUR LEGAL RIGHT, AND THEY HAVE REFUSED TO DO THIS FOR WELL OVER A YEAR, COLLECTING PRINCIPAL WITHOUT PROPER CREDIT. WE ARE WELL OVER 50 % EQUITY AND STILL PAYTING PMI TO THESE DISHONEST SCUMBAGS. IN ADDITION, BECAUSE I UPLOADED EVIDENCE TO CFPB, THEY HAVE BLOCKED OUR EMAIL ADDRESS AND WE ARE BEING DISCRIMNATED AGAINST, UNABLE TO ASK ANY QUESTIONS VIA EMAIL, YET ANOTHER FORM OF ABUSE, PREDATORY LENDING AND FRAUD IN ADDITION TO VIOLATING BOTH OUR CONSUMER AND CIVIL RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: IL

Complaint narrative:
On XX/XX/2018 I applied for a HSBC Cash Rewards Mastercard credit card online that was advertised to me via mail and was approved. About a week later I received the card and activated it. When I tried to make a purchase on the XX/XX/2018, it was denied. I called the credit card company on this same day ( XX/XX/2018 ) and the first representative told me she had to transfer me to someone in the fraud department. The lady in the fraud department told me my that my account was flagged since my cell phone number could not be confirmed in their system. I provided my home phone number to her, she called me back on my home phone number, and then proceeded to tell me she also needs my license. She sent me an email to which I was supposed to respond with a picture of my driver 's license to further confirm my identity. I responded with a picture within less than a minute of receiving this email from XXXX. This representative promised they could even take care of the situation that same day. I have not heard from the company since. Every time I call I am put on hold for hours and can not get through. When I do reach a representative, they insist that I need to be transferred to someone above them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30   days late as of XX/XX/2018 and 60 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: GA

Complaint narrative:
XXXX XXXX XXXX ( account number XXXX ) is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did what I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

XXXX XXXX  sent a fraud affidavit to me which I completed and sent back to them. XXXX XXXX and XXXX  have properly removed this item from my file. But Experian doesn't seem to play by the same rules and has left it. Even XXXX has agreed it needs to be removed.

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 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
Called to open dispute XX/XX/18. Called back in XX/XX/XXXX for update yo find that dispute was never opened. Was officially filed on the XXXX was was lied to about immediate credit. Waited 1 hour for supervisor who never answered. Filed complaint with XXXX XX/XX/XXXX. XXXX agent, XXXX, reached out that same day. Offered {$40.00} customer satisfaction credit, not effecting provisional credit due XX/XX/XXXX. Nothing recieved XX/XX/XXXX so i reached back out to XXXX who never returned my call. Called XXXX  and was told that it would be XX/XX/XXXX. Check amount today, XX/XX/XXXX, and still no deposit. Reached out to XXXX AGAIN with no answer and to return back XX/XX/XXXX. Representatives not giving consistent info, are very rude, supervisors never answer their phones and constantly interrupt.

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 2018-12-06 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: IN

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This Account is not mine!! I have called them multiple times to get this information corrected. They continue to tell me that this account has no balance, and they have confirmed that this debt/account is not mine. I need this account removed as it is interfering with my financing.

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 2018-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: CA

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX ( Representative : XXXX XXXX XXXX & XXXX XXXX ) has been reluctant in addressing my concerns of their unlawful mortgage assignment n my property. I requested the following : # 1 A clear documented chain of title, from the origination initiated by the lender up to its current " Trust & Servicer. '' # 2 A bill of sale for each assignment and documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I get XXXX sales calls re : Mortgages a day and its ridiculous. I want it to stop

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX Store Card - Pay double, sometimes triple the minimum amount every month, If I don't time it just right they charge a XXXX dollar late fee even If I paid well over the amount early enough to cover several months of payments. 

I have the chat log conversation with their rep. and was partially able to rectify the issue.

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: KS

Complaint narrative:
I tried to use the gift card for an online purchase but it was declined. I contacted the gift card issuer and they said that I needed to register the card online to use it for an online purchase which is not stated in their card member agreement as they stated. They then told me that it would be 10 days before the funds will be returned to the card and claim that was also on the card member agreement which it was not. The money is still not returned to the card after 10 days. 
Blackhawk Network XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: FL

Complaint narrative:
There is a Financial Accts Services reported on my credit file for some place called XXXX  XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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