vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: VA

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXXXXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX 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 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX I took out a mortgage with XXXX  XXXX XXXX XXXX. Due to the recession in XXXX I was unable to make my payments and my home went into foreclosure. XXXX XXXX  XXXX filed a lis pendens to foreclose on my property. They admitted in their complaint that they were the holder and owner of the mortgage and promissory note. The foreclosure started in XXXX and they finally voluntarily dismissed their case against me in XXXX. In XXXX they filed a new lis pendens and now XXXX XXXX  XXXX as Trustee for a REMIC Trust. So they have admitted into evidence that the original Note was directly transferred from XXXX  XXXX XXXX XXXX into the Trust. There are no dates on the Note as to when this transfer happened. According to the Pooling and Servicing Agreement for the REMIC Trust and the Mortgage Loan Purchase Agreement, XXXX  XXXX XXXX was to sell my loan to XXXX XXXX XXXX XXXX XXXX and then XXXX  XXXX XXXX XXXX was to create the Trusts and register them with the SEC. XXXX XXXX  has clearly breached their fiduciary duty as a Trustee, violated IRS laws and SEC laws and now they are trying to foreclose on me and it is impossible that my loan ever made it into the REMIC Trust. I paid an attorney to help me defend my case but he never deposed any bank employees or entered any evidence or witness list. He just wanted to settle with the Plaintiff when I clearly wanted to take the case to trial. I recently terminated the services of XXXX XXXX XXXX and the Plaintiff Attorneys plan to take my case to trial in XXXX. I am in need of assistance asap. I have plenty of evidence to send you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Called Synchrony bank regarding opening 3-cd 's and before the matter was finalized the accounts were opened and the funds were transferred from my savings account. I told the account manager during the telephone call that I had a business call and would get back with him ; however, he opened the accounts. I tried on the same day to get the matter reversed, but the account manager hung up on 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 2019-11-06 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: U.S. BANCORP
State: NY

Complaint narrative:
I have made several attempts since the year XX/XX/XXXXto make U.S. Bank aware of my difficulties in pying off my credit card, but for the most part, U.S. Bank has ignored my efforts to contact them which is truuly unfortunate becuase I have the feeling U.S. Bank is  stringing me along to make their Bill larger. I previously had made the mistake of engaging XXXX  XXXX XXXX in XX/XX/XXXX hoping XXXXr XXXX would assist me by contacting U.S. Bank and other creditors ( XXXX XXXX, XXXX ... ) but they did not contact U.S. Bank. XXXX XXXX XXXX ( a real disadvantage to unwitting consumers so I learend ), wilfully neglected to call U.S. Bank to inform them of my difficulties, I had lost my employment in XX/XX/XXXX after working for the same Employer for almost 20 years ( I filed an age discrimination, gender discrimantion Human Rights Complaint locally in New York ), my beloved Mother in Law of 35 years was diagnosed with XXXX  XXXX in XXXX, XXXX, and saldy, she died two months later on XX/XX/XXXX. I was her XXXX XXXX. My Wife previously had XXXX XXXX ( part of her intestines were removed ), and she suffers from severe XXXX. U.S. Bank does not respond to my telephone calls and letters previously sent to them. They behave high handedly, and smugly ignore my pleas. I am at a loss at what to do becuase I want to settle the account with U.S. Bank, but they must be reasonable, and realisitc. I do not owe {$5000.00} and I pray U.S. Bank will ackknowledge this since they over inflate their interest rate so that people like me pay a King 's Ransom in very high interest, and never finish paying up. I seek your assisitance to garner U.S. Bank 's attention. I am acting in good faith, seeking to settle my account ending in XXXX. I am not absocnding on my obligaiton becuase I am an honorable person.

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems {$520.00} XX/XX/2016 Original Creditor was XXXX. This charge was fraud. I submitted documentation showing the fraud, XXXX removed the debt from my credit report. Jefferson Capital refused to remove the debt from my credit report. The charges are fraud and need to be removed immediately. I have contacted them, I submitted a fraud investigation to all 3 credit bureaus, Jefferson Capital is still insisting this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months. 

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I took my vehicle in for repairs at the local XXXX dealer. The repair bill was approximately {$5200.00}. The XXXX dealer offered me a XXXX credit card to pay for the bills. I was told that the card was 0 % interest for the first 6 months. Which it was. I then received a statement 6 months later that I was over my credit limit. I called the XXXX Credit card company to ask how that could be seeing I was making my payments on time and have not used the card besides the initial transaction to pay for the repairs. They then told me that after the 6 months they added all the interest for the past 6 months to my account seeing it wasn't paid off. There was nothing that disclosed this on the paperwork and the XXXX deal did not disclose this during the process. That amount was approximately another {$1200.00} that I now had to pay. I have since paid the card off in full, but would like to recoup the extra money that I believe they gouged me for by not disclosing it and falsely advertising to me a 0 % interest for 6 months.

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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months.

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.

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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue as a copy of my personal information was stolen while hospitalized more than a month. I have never had a One Main Financial Account, credit cards or other miscellaneous accounts that were opened due to fraud. I have had multiple XXXX XXXX, been in a XXXX and had copies of my identification stolen from the XXXX XXXX XXXX South Carolina. The theft was reported to police. I do not have income, therefore, would never be issued any type of loan. OneMain XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Over the past several months. My mortgage lender has been calling a cell phone number I use also for work. The calls are every day, atleast 3 times a day. I have called the service center and I have went into a local branch and had a mgr also call to have my number added to do not call list. The calls are still coming thru. Each person has told me they made the change but nothing has stopped the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I received a XXXX loan. The balance of loans typically goes down with monthly payments, but no this company charges daily interest so there's no way of paying the balance down. So instead it continues to rise even tho monthly payments are taking out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
1. I received a number of phone calls Citi Card collection department during the week of XX/XX/XXXX identifying that I was overdue on one of my Citi Card accounts. 
3. I spoke to someone on XX/XX/XXXX and asked that they send me the statements for these charges. I only received statements with finance charges and interest and no record of the XX/XX/XXXX charges. 
4. I spoke to ( 5 ) people in collections around XXXX ET on XX/XX/XXXX and ultimately, I paid {$260.00} from my XXXX XXXX XXXX account, I was told that I still had a balance due for the membership fee of {$99.00} for the recently closed account plus some other finance charges and interest. The total debt requested was {$410.00} 5. I called the Citi Card Fraud department at XXXX on XX/XX/XXXX and gathered more information about these charges. I was told that there was a total of {$160.00} ( {$31.00} ; {$42.00} ; {$44.00} and {$50.00} ) for charges on XX/XX/XXXX in XXXX Mass. We have not been to XXXX in many years ( and my appointments for these days can confirm my location on XX/XX/XXXX. ) 6. I spoke to a person around XXXX ET  on XX/XX/XXXX and I was told these charges would be under investigation. 
7. I received an email notice on XX/XX/XXXX that one of the finance charges of {$37.00} would be waived. 
8. I received a letter dated XX/XX/XXXX notifying me that I must pay {$150.00} while the dispute is pending. If I paid this amount, I would have paid {$420.00} on fraudulent charges. The only valid charge in question is the {$99.00} membership fee.

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 2019-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo released the lien on this vehicle and gave me the Title after a year of trying to get them to pick it up. They deemed it not valuable or resellable due to the odometer rollback by XXXX dealership before my purchasing. They were the reason I was filing Chapter XXXX because the discharge Wells Fargo put on my credit XX/XX/2018. I'm enclosing a copy of the lien Release from Wells Fargo and the bill. I called and spoke to a XXXX XXXX who told me '' he didn't care about a lien release I stilled owed the debt and that I was not special who did I think was nobody gets a release for free this needed to be paid that I drove the car and used up its value!

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 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
I am being asked to pay a debt that i do not owe. I was fraudulently charged for services by a XXXX   Provider who was not Authorized as a Network Provider. The Provider did not disclose that he was not a XXXX XXXX  Provider and submitted a claim that was denied by my insurance company. I HAVE INCLUDED PROOF OF MY COVERAGE AT 90-100 % at the time service was rendered. I have provided proof that the Provider was not authorized at the time of service.I do not owe this debt. I am being billed due to negligence on the providers part. This bill has been sent to CHOICE RECOVERY who is demanding payment. I do not owe this debt. I have informed CHOICE RECOVERY THAT I DO NOT OWE THIS DEBT and they illegally placed this item as unpaid debt on my credit profile. This has caused a negative impact on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NH

Complaint narrative:
I have been going to the same XXXX  for 11 years ( XXXX XXXX XXXX ) during this time period my address, email address and phone number have all remained the same. I have received many calls, email correspondence and mail from them over the years but absolutely zero correspondence about a XXXX dollar debt that they claim that I have. The debt may or may not be valid and I do not dispute the debt itself. My issue is that XXXX XXXX sold this debt to XXXX XXXX and then was reported as a collection to Equifax. I have reached out to all parties several times and none has made any attempt to rectify this error. I have ( otherwise ) perfect credit and demand that this erroneous information be removed or proven. The burden has been put on me to prove that I never received correspondence which is possible. I am willing to pay the XXXX  dollars and not challenge the validity of the debt but not unless and until this fraudulent derogatory on my pristine credit report is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Why is the CFPB telling companies not to let me make International Wire Transfers? 
Suntrust says that the CFPB advised Suntrust Bank not to process an International Wire Transfer to my girlfriend in XXXX. I want to know why the CFPB is refusing to allow me to make International Wire Transfers?

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME, IT IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX, I called the consumer advocate number for a PHH representative at XXXX and talked with Mr. XXXX ( ID number XXXX ). The purpose of my call was to request a letter from PHH ( Ocwen ) stating the reason my sister, XXXX XXXX name was removed from our account. # XXXX. I was told that I would receive a hard copy ( letter ) within 15 days. As of today, XX/XX/2019 I have not received said letter. My sister passed away last year but she has an estate in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am dealing with Ally Finance and lost my job over a year ago Im trying to keep up on my payments because I need the vehicle to get to interviews. My car payment is {$690.00} per month and Im behind in my payments. Im also being changed 9 % interest each day I would like to report this as fraud 9 % interest per day unbelievable and fraudulent. Is there something I can do to have lower interest rate. They are threatening to come get the car. They are mailing me a copy of my contact and today was the 2nd request. I first requested a copy 3 weeks ago. I will send you a copy when I receive it

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX, we received in the mail a solicitation for a " No-Cost Direct Deposit '' prepaid Mastercard, with a card in the  name of our minor daughter. She has never worked nor applied for credit so I'm not sure how they got her info. The company is NetSpend & the financial institution is XXXX. The first number I found to call them was to opt out of future mail offers. XXXX I had no option or opportunity to speak to a person to complain that they were soliciting a minor, who can't enter into a contract. ( Therefore, soliciting a minor to enter a contract should be illegal as well!!!!!! ) The second number I found was a privacy insert for XXXX. XXXX This number was listed as " to limit our sharing '' or " questions? '' which I didn't feel as though was applicable. The third number I found was on the insert to upgrade to Netspend Premier.  XXXXNETSPEND When I called, I was promoted to enter the card number then told that since it wasn't active, I couldn't upgrade & was redirected to activate my card. Still NO option of speaking to an actual person, just all automated. The last number I tried was the number listed to activate the card, which I didn't intend to do but was looking for a person to complain to about them soliciting a minor. XXXX The first time I called, the auto answer told me I'd been selected to receive a special offer, then asked a bunch of questions about my vacation preferences. Finally, it told me I'd won a XXXX cruise at the low cost of {$55.00} per person. I declined. Then, it started a pitch on some kind of auto program. Honestly, I kind of tuned out to the details. All I wanted was to speak to a person! I also knew i would decline any offers. I was also looking through the 20 page Terms & Conditions for another number, as I had very little faith I would ever reach that actual person. When asked to accept or decline, I declined & the call disconnected. I immediately called back & the auto response was that " this call wasn't active '' in my area. I called a third time & the auto response was to ask me hit the # key for a directory. I hung up & called a fourth time & received the same auto response.

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