vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Please be advised that in XX/XX/XXXX we received a Mortgage Statement that we were behind with our Mortgage payments and when I called we were told that the reason it was because we had a Shortage on our Escrow Account. We advised them that we could not afford our new payment and I had no way of paying for Escrow Shortage. They needed the total amount of my delinquency and that's when everything started. We got placed on a bad delinquency and we requested for help to save our home but unfortanutely we got no help at all. Last year of XXXX we got a denial letter stating that we had no options for a loan modification and that we were not making enough money to keep our home. we are now receiving money contribution from our daughter and her husband and we submitted new financials with Specialized Loan Servicing. and also with XXXX because XXXX was able to help us keep our home back in XXXX and now we are here with a Foreclosure Date coming up XX/XX/XXXX and we are asking for help to avoid this Auction to proceed and to help us with our Lender to get a workout resolution. My wife and myself are presently ill and have suffered to much XXXX and XXXX with our present situation. I have XXXX and my wife has gone thru XXXX XXXX and my daughter and son in law have been here to help us with expenses and willing to put all their income to save our home including our income. We really are begging to save our home. please help us.

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 2019-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I HAVE A HOME EQUITY LINE OF CREDIT WITH CITIZEN 'S BANK. ON MONDAY XX/XX/2019 AT XXXX AT CITIZEN 'S BANK BRANCH : XXXX, WITH TELLER : XXXX AND TRANSACTION # XXXX I PAID THE OUTSTANDING BALANCE OF MY LOAN {$20000.00}. THE MONEY WAS REMOVED FROM MY ACCOUNT ON XX/XX/2019. THE RECEIPT I RECEIVED FROM CITIZEN 'S BANK ON XX/XX/2019, SHOWED THAT THE LOAN HAD BEEN PAID IN FULL. 
I FOLLOWED UP WITH CITIZEN 'S BANK ON XX/XX/2019 TO CONFIRM THE LOAN HAD BEEN PAID IN FULL, I WAS INFORMED THAT THERE WAS STILL AN OUTSTANDING BALANCE OF {$20000.00} ON THE LOAN AND THE BANK WAS UNABLE TO TELL ME WHERE THE FUNDS THEY HAD REMOVED FROM MY ACCOUNT, THE PREVIOUS DAY, HAD GONE. THE BANK OPENED AN INVESTIGATION INTO WHERE THE FUNDS HAD GONE ON XX/XX/2019, INVESTIGATION # XXXX. I WAS INFORMED THE SITUATION WOULD BE RESOLVED IN 2-3 BUSINESS DAYS. MULTIPLE SUBSEQUENT CALLS TO CITIZEN 'S BANK OVER THE NEXT WEEK CONTINUED TO SHOW AN UNPAID BALANCE ON MY HELOC. 
ON XX/XX/2019 CITIZEN 'S BANK INFORMED ME THAT THE SITUATION WITH THE MISSING FUNDS WOULD BE RESOLVED BY THE NEXT BUSINESS DAY. 
ON OF XXXX XXXX I WAS INFORMED BY CITIZEN 'S BANK THAT THERE WAS STILL NO RESOLUTION TO THE MISSING FUNDS, AND THE MATTER WAS BEING HANDELED BY THE CHAIRMAN 'S DEPARTMENT. WHEN I ASKED TO BE CONNECTED TO THE DEPARTMENT THAT WAS DIRECTLY HANDLING THE PROBLEM I WAS INFORMED THAT WAS NOT POSSIBLE. I WAS INFORMED THAT THE CHAIRMAN 'S DEPARTMENT WOULD HAVE TO CONTACT ME AND THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. I WAS ALSO INFORMED THAT THERE WOULD MOST LIKELY BE NO ADDITIONAL INFORMATION ABOUT THE MISSING FUNDS UNTIL THE CHAIRMAN 'S DEPARTMENT CONTACTED ME AND AGAIN THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. 
I FIND IT VERY DIFFICULT TO BELIEVE THAT A FINANCIAL INSTITUTION COULD TAKE TWO WEEKS TO FIND A {$20000.00} ERROR WHEN THEY HAVE ALL OF THE INFORMATION LISTED ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My card was compromised. On XX/XX/2019, I was traveling to XXXX, FL, I called Ameican Express Serve and notified them that I would be traveling and not put a security alert on my card, I was told that there would be no issue. I got to XXXX, FL and loaded my card only to get to my hotel and the security alert was placed so, I could not use my card. They lifted the security alert. I got back to XXXX XXXX, FL on Monday, XX/XX/XXXX and I really had not used my card or checked my balance. I made a transaction for XXXX, I checked my balance on XX/XX/2019 and realized there had been fraudulent activity on my card. I call American Express Serve and notified the of the 3 Fraudulent Transactions. I was immediately told that I would have to wait for 10 -45 days to receive my monies. However, I advised them that I have never used my card in XXXX Florida nor have I ever used my card at a XXXX   XXXX. The transactions occurred in a place where I have never been or shopped. I asked why didn't they lock my card as they had done when I called and alerted them to the fact that I would be traveling to XXXX, Their answer was because I traveled to a different state. I laughed and told them XXXX is still in Florida. I don't feel I should have to wait for my money, because they have the technology to see that I have never shopped at XXXX XXXX, nor have I been to XXXX. I am a single parent and those are monies and it isn't fair that I have to wait, especially when they know that I have never shopped or utilized my card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Equitable Acceptance Corp
State: UT

Complaint narrative:
I have been dealing with XXXX XXXX calling me, emailing me, and sending me letters stating that I owe them $ XXXX when I don't owe them anything. I also just realized that I have been scammed by other companies. The companies are Equitable Acceptance and XXXX XXXX XXXX. They contact me as well through text messages, email, sending me letters, and by phone trying to get money out of me. They promised me that if I paid them around {$300.00} upfront that my payment would drop to {$50.00} a month which it has and then I would need to pay them $ 50 monthly for at least a year in order for my student loan remaining balance to be forgiven. All of their promises have not been met and they have killed my credit score. I need my money back!! These people are professionals at lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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:
Transunion is reporting incorrectly that I am 90 days past due on XXXX   XXXX - partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 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:
I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX. 

I contacted the TransUnion and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. I filed a complaint through Consumer Financial Protection Bureau in XX/XX/XXXX and TransUnion replied with a general response not specific to my issue and the inquiries mention herein have not been removed from my credit report. 
Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
About a month ago, I disputed all of my Direct Loans with the Dept. of Education with all 3 credit bureaus, citing that they are too old to be on my credit report. After investigation was completed, I was told that the information was correct and would stay on my credit report until XX/XX/XXXX because last payment on loan was reported as XX/XX/XXXX. 
This is NOT correct. I believe someone is reporting false information just to keep this on my credit report longer. 
My Direct Loans originated from XX/XX/XXXX - XX/XX/XXXX. I graduated in XX/XX/XXXX. I made some payments while I was in school but I don't believe I paid on them after that. Maybe XX/XX/XXXX of XX/XX/XXXX because that was the last month that I got my G.I. Bill paid to me. But NOT XX/XX/XXXX. 

I just found a copy of my XX/XX/XXXX tax return and it shows {$0.00} claimed for student loan interest because I didn't make any payments in XX/XX/XXXX and that proves it. Even if I only paid {$10.00} in interest I would have claimed that because my income was so low. 
I remember claiming student loan interest in a previous year but I can't go back further than XX/XX/XXXX with IRS tax returns to see which year that was. 
All of my loans listed on nslds.ed.gov show {$0.00} for Cumulative Amount Paid. If they are going by the date they went into repayment status, ( XX/XX/XXXX ) that would be correct. I didn't pay on them after graduating. I also sent a Screen Shot of all my loans to Experian showing Cumulative Amount Paid {$0.00} which would make the Date Of First Delinquency XX/XX/XXXX. The loans should have been removed in XX/XX/XXXX. of XX/XX/XXXX from all credit reports but none of the credit bureaus will remove them. They like to pick and choose the bits of information that will keep it on your credit report longer and disregard everything else. Plus there are different dates reported as to when the last payment was received and when accounts were closed. How can the same entity report different dates if they have the paperwork right there in front of them? Plus Dept. of Ed shows different payment histories for all 3 credit bureaus. Experian shows Failed to Pay from XX/XX/XXXX and nothing before that. 
XXXX  shows date of last payment was XX/XX/XXXX and then red X 's for everything else. 
XXXX shows red X 's for XX/XX/XXXX forward. Nothing before that. Mainly they want to show what I didn't pay and incorrectly reported when I DID pay to keep it on my credit report longer. I know I messed up but I have paid my dues. They are wrongfully keeping this on my credit report longer than legally allowed. This is stopping me from getting loans for other things I need and they are ruining my name.

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2017 when making electronic payments ( as I always do and have ) somehow it did not go through for that month, I continued to make payments following months unaware that XX/XX/XXXX 's payment was missed as soon as I realized I made the payment in full to catch up. I have been a long time customer, would appreciate if you would remove this asap as I'm going to be purchasing a car ... this is the only item lowering my FICO scores and it's from couple years ago. 

My bank understands this but say they are unable to correct this issue directly with Experian Burial as they don't correct information online. Why would that be? All I see is Experian soliciting to get new credit cards and other advertisements on their site that appear to be misleading to the consumer. Other to major Burial show much higher FICO scores, I don't see any reason for my credit to be this low?

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 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: OH

Complaint narrative:
My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America 's collection agency has been hounding me at least once a week for three months. My XXXX XXXX, XXXX payments were made on time for the full amount required. There was a misentry in my XXXX amount paid when the first harassment started, He insisted that there were insufficient funds in the account. I assured him that there was enough money in the account to cover the amount of the check. He insisted I go to the bank that the check was written and to get a copy and statement showing sufficient fund were available. I did this and got a song and dance from a rep that there was a double entry 15 minutes apart and this caused a problem and that she would straighten it out. The phone calls continue to come to this day. I have been to the bank numerous time and thought I had this straightened out with XXXX the? manager. He said pay XXXX XXXX dollars and all would be well. I did and B of A still is harassing me for late fees and interest. Every time you deal with a different person or division and have to repeat the whole story. The left hand does not know what the right hand is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have two WF bank accounts. A checking account and a savings account. I reduced both accounts to XXXX  due to the monthly fees. WFC decided to charge my accounts again so that my balances are now negative and will not let me close the accounts until I clear the negative balances. I believe this is unfair as the accounts are dormant.

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 2019-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN must be the worse mortgage servicer in the industry. We have tried to work with them for over a year to cure our delinquent mortgage payments, but we are just getting the runaround from them. They lose our documents, are hard to understand and denied our request for assistance because they can not get their process straight. We suffered through some serious financial trouble when natural disasters crippled  my husbands income and we had no choice, but to fall behind on our mortgage payments. We quickly recovered financially, but OCWEN has never attempted to work with us to get our loan current. They have never assigned a single point of contact and we continually are speaking with their representatives in XXXX. We can not understand them and their process has major problems. For over six months I sent them every document they want, but they say they never received the document and my file kept getting kicked out of review. When I finally got someone to look at my file, they advised that I already had on modification and there was nothing they could do. We have an FHA loan and I did get a modification in 2012, but I believe that HUD allows for a new modification every two years on home mortgages. We are certain that our FHA loan qualifies for mortgage assistance and want someone from your agency to get them to work with us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see page 9 of the attached credit report.  ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 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: LA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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