vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a charge dated XX/XX/19 from XXXX XXXX for {$33.00}, my most recent statement ending XX/XX/19 did not have the $ XXXX monthly dining credit from this eligible merchant, I have also waited 4 weeks for this credit to post as outlined on the terms page. Attempted to utilize live chat on XX/XX/19, which was useless and of no help. Further, attempted to call the customer service number on back of card on the evening of XX/XX/19 and spoke to XXXX, explained the situation and after being placed on hold, was told that it must have been a " system issue '' and that she would issue the {$10.00} credit. Two days later this was never done and is not showing up on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to Experian XXXX and XXXX about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX  XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XX/XX/2018

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 2019-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I am a XXXX XXXX Veteran and received a VA loan from Freedom Mortgage in XXXX. I lost my job in early XXXX as a XXXX XXXX with the XXXX XXXX in XXXX, Alabama making over {$110000.00} annually due to a closing of the office. I found another position with another company making half of what I was making at {$56000.00} annually plus commission. I applied for a modification with Freedom Mortgage in early XXXX as I was going through a divorce and I was awarded the house and our XXXX children ages XXXX and XXXX. I sent paperwork as requested by Freedom Mortgage from XX/XX/XXXX until I was contacted with an approval in XX/XX/XXXX. I was paying {$1700.00} per month for my mortgage before the modification request and Freedom offered to lower my principle but increased by interest rate from 3.75 % to over 5 % therefore keeping my monthly rate the same and added the back payments which was over {$400.00} per month. The total modification would be over $ 2200 monthly. I had to file Chapter XXXX bankruptcy after receiving this approval to avoid them foreclosing on my home. I have been paying the back amount through my bankruptcy repayment however I am unable to afford the $ XXXX monthly payment and I am now 5 months behind and received a letter from Freedom Mortgage that they want release from the bankruptcy so that they can foreclose on the home. They have posted this pre-foreclosure for investors as I am receiving texts and mail about individuals requesting to purchase my home. This has caused a great deal of stress on me and my children. I am unable to rent anywhere due to my credit and bankruptcy. Freedom Mortgage could not have looked at my financial statements that they requested and determined that I could afford the same amount. This modification was not done in good faith. Again, I am a veteran and I do not want to lose my home with my XXXX children. Please help!

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I got a HSBC credit card about 2 months ago.

I have never gotten a bill from then.

I have called HSBC at XXXX several times and only get connected to a Fraud Team Member. 
They said the put a block on the card. 
They always transfer me to a different department, but I am placed on hole never to be answered. 

I always pay my bills on time. 
This company will not send me a bill or let me register online to make payment. 
They will not even give me my total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I took a loan out from my Wells Fargo 401 ( k ) in XXXX of 2016. The repayment plan is {$300.00} on the XXXX and XXXX of every month for 60 months via an ACH credit transaction initiated by Wells Fargo. 9 times now over the first 3 years of repaying this loan, Wells Fargo has taken out a double payment of {$600.00}. Each time this happens I have to spend an inordinate amount of time on the phone explaining the issue and following up to ensure I am re-credited the over drafted amount. I have also asked them repeatedly to identify the cause of this issue and work to rectify it. This should be a simple transaction for any bank, particularly one the size of Wells Fargo. At this point I have lost all confidence in Wells Fargo as a banking institution and their ability to correct their errors. They clearly don't care about their customers and I'm convinced they won't do anything to fix this issue until a federal agency steps in and forces them to. I am asking for your help. Thank you in advance for any assistance you can provide.

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 2019-10-04 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: NE

Complaint narrative:
RE : XXXX Hello, I worked with you guys to get TD/TARGET RED CARD to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends.  Eventually, I had had enough- and thank XXXX for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored.

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no  change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent XXXX all of the supporting documentation including the note from the CFPB and Targets fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/18 I requested 3 balance transfers from my new Chase account.

2 of them were posted and paid to my other accounts. 1 has been charged to my Chase account, but has not been posted to my other credit card.

I took screenshots and right up to the point you click 'transfer money ' there is no indication this would be lengthy process or how long it takes.

As of 5 business days later I'm told it can be 21 days before my bank receives the payment and 30 days before Chase will do anything about it. Then they will issue another check that can take 21 days before my bank gets it. So, I'm on the hook for thousands of Dollars while Chase has me charged for it for close to months.

The state they can issue a stop payment for the check, but will not do it. This conversation was on a line that Chase states is recorded.

I was on the phone for an hour repeatedly asking as polite as possible, " I am asking you to issue the stop payment now ''.

They state, " we are unable to do that ''.

My response, " You just told me in 30 days you will issue a stop payment '' They state, " In 30 days, we will issue stop payment and issue a new check and you will have to wait 21 days for processing '' BIG QUESTION : What happens if they don't get it the second time? Clearly at some point they CAN issue a stop payment - they are refusing to do so.

CONCLUSION : They screenshots do not state any timeframe for length of time. Therefore, one would conclude that industry standard for transfer would occur. 21 to 30+21 more days is definitely not industry standards. This seems like a loophole to have consumers charged large amounts of money before balance transfer/payments are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-04 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
I have had the worst experience with one of the reps with this company. He has used intimidation and interrupted me while I was trying to talk ( on numerous occasions ; very rude and condescending ), and has also suggested that if I dont keep my payment plan that it would negatively effect my credit reporting. There has been miscommunication from various reps in regards to my account. Information was not relayed properly resulting in confusion. I was told by the rep that I called a lot in regards to my account and to just let the auto payments take their course when calling in reference to cancelling automatic payments. Anytime I wanted to call to adjust payments or ask questions in regards to my account I would get improper information and an aggressive tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX XXXX   and Transunion about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018

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 2019-10-04 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: NY

Complaint narrative:
My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX Equifax and XXXX  about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX/XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I graduated with a XXXX  from the XXXX XXXX XXXX XXXX. 
In the four years I was there, I borrowed {$16000.00}. 
I worked for 8 years and started paying back my loans in XX/XX/XXXX when I finally got a full time job at my XXXX. 
In XX/XX/XXXX, I was advised to consolidate my loans. They were consolidated for {$20000.00}.

I was in repayment from XX/XX/XXXX-XX/XX/XXXX before I entered XXXX school. 
During my time in XXXX school ( XXXX  XXXX University ), I took out another {$11000.00} in loans. 
Total I borrowed from XXXX and XXXX school : {$27000.00} In XX/XX/XXXX I started a series of forbearance and deferrals due to my economic situation : starting my own business with no money in XXXX XXXX. 
In XX/XX/XXXX, I defaulted and was forced into consolidation. 
The {$11000.00} was consolidated for {$25000.00} due to interest gained. 
This time when I consolidated, my interest rate went from about 3.5 to 6.25, nearly 200 %. 
After 7 years of struggling, I defaulted on my student loans for a second time for not filling out the right paperwork. I was told to consolidate them again. 
In XX/XX/XXXX, I consolidated all my loans, and somehow {$46000.00} of consolidated loans turned into {$85000.00}. 
Now, Im not sure what happened but they went up to around {$90000.00} when we started paying them in XX/XX/XXXX, and currently I still owe {$88.00}, XXXX In addition, I was never told of the Income Based Repayment option. Not once was I given the right advice. They do this on purpose to rack up as much debt as possible so they make as much money as possible. They should be sued for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I was notified by someone in my household that LVNV Funding was attempting to serve me with paperwork for a debt. Immediately, I contacted a lawyer who was familiar with LVNV and their debt collection practices. He went to court and had the case dismissed without prejudice. The Original Creditor was XXXX XXXX XXXX, the recent creditor information is : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX I filed a dispute with XXXX and uploaded the dismissal document. My dispute didn't help. I contacted LVNV Funding directly and they also said they they couldn't help me. 

My lawyer told me to submit it to the credit reporting agencies which I did with the dispute and it hasn't been removed. Attached is how the debt is viewed on my credit report. The court dismissal document is provided as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
We have spent 13 years paying our mortgage which was originally from XXXX XXXX XXXX. Despite all the years of paying Ditech the current carrier of the mortgage stretch the mortgage to 40 years and we owe way more than we should be owing. We are confident that the mortgage company manipulated our numbers. It has cost us economic hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: GA

Complaint narrative:
First, and Foremost, my Problem is not with The Creditors, it is with the XXXX  XXXX and Equifax Scores, and the fact that each and every week XXXX and Equifax keeps decreasing my Credit Score. On XX/XX/XXXX, I Leased a New XXXX XXXX XXXX, and at the same time Traded/Turned in a XXXX XXXX XXXX, which had 4 months remaining on that Lease and a balance. 
The XXXX Dealer accepted the XXXX, and sent a Full Payoff, which included the remaining 4 Months, to XXXX XXXX XXXX ( XXXX ), Account Number # XXXX, which they Posted as Paid in Full, and Account Closed on XX/XX/XXXX. 

XXXX/Equifax continues to Decrease my Credit Scores Each and Every Week for No Reason? I understand a One Time decrease for the Credit Inquiry on the New XXXX XXXX XXXX, and the Fact that I opened a New Loan/Lease? But, what gives XXXX  and Equifax a right to continue to decrease my scores weekly? 

To add to this I have made Payments to XXXX XXXX XXXX on the XXXX XXXX XXXX, and to XXXX XXXX which have not been recorded by XXXX or Equifax and Neither Company has not increased my Scores, neither Did XXXX/Equifax Increase my Scores for the Payoff from XXXX XXXX to XXXX XXXX XXXX of over {$2600.00}. XXXX, to Pay Off the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: IL

Complaint narrative:
I have notified TransUnion several times that there are inquires and accounts on my credit report that I haven't applied for, authorized nor do I know where they came from. They continue to report these accounts after being provided a police report, state drivers license, proof of my current address and an identity theft report. I am asking that these accounts be deleted and the inquires listed on the identity theft report be removed from my credit report.

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 2019-10-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been sending dispute letters to Equifax for the last six months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from Equifax, almost seems like they're throwing my letters away. There has been zero response, I will attach my last five letters sent to Equifax to this complaint.

Company response to consumer: Closed with non-monetary relief