vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have asked credit collection services to verify the debt they are trying to collect as mine per FCRA regulations and they refuse to respond. Yet they promptly respond to the credit bureaus every single time i attempt to dispute the inaccurate information. I am horrified at the lack of responsibility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I opened an account online, received a debt card and everything. One day after having the account less than 30 days the card wouldnt work. Called navy federal credit union and was told my account was under fraud review. Got transferred and was told the account isnt for use due to discrepancies while opening the account. When I ask what discrepancy, was told I can only receive that information through a subpoena. Ive never been denied a bank account. Asked multiple time what would be reasons for this and was told repeatedly I could only get it through a subpoena. Was told any funds I already deposited I could access at the bank and close the account. What in the world is going on??? I cant even log in to get the account number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My wells fargo rewrads credit card was closed, Wells fargo forfeited my Go Far rewards points ( about XXXX ), after several calls to wells fargo, they said there was nothing they can help me with.

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 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to get credit information while I am seriously concerned with identity theft from experian. Please inform me what to do.

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 2019-06-08 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 have been disputing my Date of First Delinquency ( DOFD ) for XXXX  XXXX XXXX for months with Experian. Experian is not correcting it after promising numerous times to remove the information manually. XXXX, a supervisor from the Texas office called me on XX/XX/XXXX and said he was persaonally removing the delinquencies manually right then, and they should take effect within 48-72 hours. A call on XX/XX/XXXX to XXXX, another supervisor from the XXXX XXXX office, said nothing was done and the notes were vague and only read " All concerns addressed ''. I have proof of this from XXXX XXXX XXXX which I am attaching. The DOFD is XX/XX/XXXX and the account was brought current in XX/XX/XXXX. Please correct the DOFD and remove all late payments for this account. 

XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX  XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories. 

Late payments, called delinquencies, are deleted seven years from the original delinquency date of the debt after which it was never again current ... If you miss three payments in a row, your account would be reported 90 days late. The seven-year period would begin with the first payment you missed in that series. All three payments would be deleted seven years from that date. The date is called the " original delinquency date, '' or sometimes the " date of first delinquency. '' Please correct the date of first delinquency to XX/XX/XXXX and remove all late payments in that series through 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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 my TD Bank Visa Credit Card was charged {$180.00} without my knowledge or permission. The merchant was XXXX XXXX XXXX and I never did business with this merchant nor did I receive any benefit for this transaction. I reported the transaction as fraud to TD Bank. I canceled the card and was issued a new credit card. The bank is still charging me for this transaction including interest even though TD Bank promised to remove this transaction from my account months ago. Please ask TD Bank to credit my account {$180.00} for this transaction along with any interest and fees associated with this fraudulent transaction. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have applied for a Chase credit card, I am already an authorized user on my son 's Chase card. My wife is also an authorized user and we are the primary users of the card giving Chase from $ XXXX- {$3000.00} worth of business per month. We would like our own XXXX card. i have contacted them and explained the situation of my bankruptcy but they refuse to approve a card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and am a XXXX veteran. our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons possibly related to my military service and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ XXXX XXXX judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
FNB OMAHA ACCOUNT IS A FRAUDULENT AND NOT MINE.

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 2019-06-08 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 have 4 US DEPARTMENT OF EDU Reported : XX/XX/2019 Accounts listed the amounts should be XXXX and they are also too old to be on my account as well.And I have DEPT OF ED/XXXX  Reported : XX/XX/2019 account with lates that werent late but the account is also too old to be on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank issued me a credit card with rewards promised based on purchases made with the card. I earned points to qualify for {$220.00} in cash back or gift cards. On XX/XX/2018 I placed a phone order for two {$100.00} and two {$10.00} gift cards for XXXX that totaled {$220.00} which I never received. TD Bank sent them to the wrong address even though I confirmed my correct mailing address with TD Bank when I placed the order and several times prior to placing the order. Several months ago, TD Bank promised to credit my VISA account {$220.00} representing the gift cards I never received for the cash back rewards I earned as agreed. I still have not received the gift cards or the cash back rewards of {$220.00} as promised by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tonight XX/XX/19 I attempted to access my credit report online at XXXX. I have always been able to download and check my credit before. Now XXXX says I must contact them and they will mail it to me!! Shall I tell you how many times the Postal Service has lost or misplaced my mail?!? And they think I will mail sensitive information like my Social Security Number to them? Think again. It is our right to check our credit data. The internet has many complaints from people just like me. What are you doing about it?!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This XXXX HELOC was listed and subsequently discharged in a joint Chapter XXXX filing in XXXX. According to the results of an Experian dispute dated XX/XX/XXXX, XXXX confirms that the reported debt is " accurate. ''

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 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball , Tirey & St. John LLP is collecting the wrong amount of debt ( {$450.00} ) on XX/XX/XXXX and they never provided me with any documentation to back up their claims They do this on behalf of XXXX XXXX Apartments in XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
XXXX moved my loan to PHH and the modification which was approved was taken away. Also the amount of the modification is unreasonable. 
There is no one to speak at this company and it is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi! In XXXX, I used an XXXX store card whose carrier is XXXX. I shopped for Christmas presents and got hard copy statement. I paid it. In the month of XXXX they told me was late, via text, no hard copy. I didn't even know this was the same card there was reference to XXXX Bank. They didn't bill me by a hard copy so I could not tell what else I purchased. I filed a complaint because I did want my credit rating to drop. There was no reference to what I actualy purchased and the text only referenced XXXX  NOT XXXX called they didn't give me address to even send it nor an electrical address to send the payment. At the end of XXXX, they had informed XXXX that the purchased were fraudulent, they were not. I complained to an agency because of bad business practices ; not bad merchandise. I sent them a check for the remainder of the balance. Then I received a myriad of message that stated I was 'displeased ' by my products and they reneged paying those merchants. I never said that and demanded from XXXX  they repay the merchants with the monies I already used. I also demanded they cancel my credit card. I spoke to a representative and they promise to pay the merchants and reimburse me. Last week, I received a check from them figuring I overpaid them. Today, I got a letter from them demanding the money back. Thus far they have no evidence that they even paid the merchants and I know overpaid them. I want the matter resolved..

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 2019-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I am currently enrolled in the PSLF program and have made a number of payments. TWO YEARS AGO I asked for an accounting of all my qualifying payments ( because I think their counting might be wrong ). I have never received such an accounting ... I have repeatedly asked for a payment by payment accounting in order to ensure all are counting towards my 120 payments. However, I still havent heard anything. Each time I call, they promise that it should be coming soon, but nothing ... also, I may qualify for the expanded PSLF, but I cant apply until I know for sure. They are purposely not responding to me. Frankly, I think the government should go with another loan servicer. I have not been impressed with myfedloans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MN

Complaint narrative:
My dispute is addressing the Contract Callers INC in the amount of {$3700.00}. This account was sent for collection by XXXX XXXX XXXX XXXX for an account in XXXX, Ohio. This debt was created without my consent by a deceased family member, either before I was the age of XXXX or without my consent due to the fact that I have never been the renter or owner of a property.

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 2019-06-08 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: MO

Complaint narrative:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX {$16000.00}

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 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a wire transfer from a annuity which was terminated of $ XXXX.With a personal check it was deposit into my BOA checking to either pay off a student loan of 7 % compounded, or a Eloc with BOA at 5.6 % compounded on XX/XX/2019.Boa withdrew the money on XX/XX/2019, and then told me money will not be available until XX/XX/2019. 
I want BOA to pay me at least 5.6 % per day interest on that money until they it is available.

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 2019-06-08 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: NY

Complaint narrative:
I had a XXXX account I moved from one address to another address in my new address i never got service they billed me i spoke to them 3 times first 2 times they said that's their problem they will fix it I don't owe anything. Just to day they report to the credit report that I owe {$100.00} which is their fault now my credit report went down because of their fault

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I just received notice on XX/XX/2019 from American Express that they are dropping my credit limit, even though I have made payments on time to them because they looked on my FICO report, without my permission, and saw that my FICO score dropped because I missed one payment to another company. This reduction also reduces my FICO score. I can not get in touch with American Express because I just received the notice today XX/XX/2019. I think there are three issues. One, they used my FICO score without my permission and two they dropped my credit limit below the credit limit which I have had, and three they did it and it increases the rate on the credit card because I am over the limit now. American Express unlawfully peeked at my report, and dropping the credit limit from {$13000.00}, to {$8500.00} which decreases my credit score, and also increases the APR. I can not make payment with an increased APR.

Company response to consumer: Closed with explanation