vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-23 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: AZ

Complaint narrative:
I disputed a collection on my credit report with XXXX  and Experian. XXXX  removed the collection on my credit report because XXXX didnt have any collections on my credit report. It was very easy to contact XXXX  on the phone and explain the situation. I provided an image and XXXX   removed the incorrect collection on my credit report. Experians number would not let me talk to an agent about my dispute. Eventually, I was able to talk to an agent who was very rude and told me to file dispute online. Two days later Experian concluded that the collection will remain on credit report even though XXXX  and XXXX dont have the incorrect collection on my credit report. I believe this collection is invalid and shouldnt be on my credit report and two out of the three credit bureaus agree.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I opened an account with XXXX XXXX XXXX because I had moved into an apartment. In XXXX of XXXX, I moved back into my parent 's house and transferred the service to their house. A few days after moving back, a technician came in to install the WiFi box ( which was done poorly ) and no less than 5 days after that, my service was cut off. When I called XXXX XXXX XXXX, the claimed that I called and cancelled the service but how can I cancel a service that was just installed? Mind you, the WiFi box was mounted on the wall with a wire, meaning it was not easily accessible. XXXX XXXX XXXX proceeded to send me a charge of {$170.00} claiming that the equipment was not returned but they have a policy that states if the equipment is mounted a certain way then it does not need to be returned. I also called and asked them numerous times to remove that debt before it even reached collections and they still claim that I cancelled the service, yet I never received an email. This false debt drastically dropped the credit score that I have been working so hard to raise. Funny enough, I currently have XXXX XXXX XXXX TV, internet and wireless services but if this is not removed, I will cancel all services and go back to Spectrum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a XXXX old man struggling making my mortgage payment i have been in default for over 2 years trying to correct my past dues. Due to my negative credit score and being on fixed income i have not been able to get a loan to pay my past dues. i have been pre approved for a home loan which will help me bring my past dues. i have tried multiple times to get a reinstatement and payoff quote from the Lender and attorney who is handling the default and foreclosure with no success in obtaining a payoff or reinstatement quote. Every time i call PHH mortgage my lender they tell me the attorney XXXX XXXX is the only people who can generate a reinstatement quote. I have call Western progressive at XXXX and XXXX multiple times with no success in speaking to anyone. I only have the option to leave a voicemail. Which i have multiple times and they have not called me back. On XX/XX/2019 at XXXX XXXX  i sent a written request for an exact reinstatement amount to the fax number given by the pre recorded answering machine XXXX. I have called multiple times to request an update and i can not speak to anybody but leave a voicemail in addition the lender PHH is not helping me contact them they just give me the same XXXX number again. It is now XX/XX/2019 and i have yet to receive any information on the past due amount or if my fax was received. I feel as if this company is purposely trying to prolong the time so i could go into foreclosure and loose my home because there is of the equity my home has. I have my loan approved and the only thing missing is the reinstatement amount so i can get out of foreclosure however XXXX XXXX is prolonging my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
Incorrect items reporting on 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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was given a loan modification from Chase Bank in XXXX of XXXX because they said I met their qualifications for a hardship and I had never missed a payment. 
They never discussed with me the terms of the modification other than to say they would escrow my homeowners insurance included in my new payment amount. They never told me they were going to add fifteen years to my mortgage. 
Now on XX/XX/XXXX I have received an insurance bill from them for {$1100.00}. They have also just informed me that they have sold my loan which is why they added15 years to my mortgage. 
I have spoken with their executive office and was informed that Chase Bank regulations require them to make sure they have discussed the terms of the modification with their customers which Chase Bank failed to do. 
They have acted with impunity and deceit in order to take advantage of one of their customers. They did this knowing full well they were going to sell the loan and make a bigger profit by adding fifteen years to my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The problem is with my escrow account. Because we were out of town and missed a short turn around letter from the bank. We were given a shortage amount to be paid. We were given a subsequent amount to pay which we did. The analysis said if we pay that amount we would pay the smaller designated amount {$1600.00}. However, that did not happen and we received a higher payment in the XX/XX/2019 statement. Since then we have received two more analysis and and three more statements with different amounts to pay. All of them increasingly higher asking us to pay more because this bank incorrectly planned for the following years tax payments. Now we are being asked to pay more ( {$1600.00} ) than we can afford per month. We are willing to do what we can but this bank is being very unreasonable. I tried to get the problem solved with help from the XXXX but that is useless because they assume no responsibility just want us to pay for their mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was with XXXX for over 10 years but because they were charging me almost {$200.00} a month, I decided to switch to XXXX XXXX XXXX. I made the switch in XXXX of 2018 and I owed them an equipment balance of about {$200.00}. I am college student who finds it hard at times to afford gas but I was saving up to pay off that balance. Early this year, I received notification that the balance had gone up to a whopping {$650.00} which is more than double the amount I was going to pay. Once this hit my credit about two months ago, my score dropped significantly. I reached out to the company and not only were they rude but they told me I would have to pay the complete balance then and there. They also told me that they would not provide written proof that the debt was paid off which makes absolutely no sense.

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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX myself and my wife received a mortgage loan from Citibank mortgage for the amount of $ XXXX@ 3.25 % for a fix 30 year fix loan. Loan was based on our primer status with Citibank. Since we had over {$500000.00} with Citibank, we were promised 1/8 point discount on the loan. When we were on final stages of loan preparation, we were told that since we are using part of the {$500000.00} for down payment, we were not eligible for 1/8 point discount. At that point we did not have any other options and we reluctantly closed the loan. On XX/XX/XXXX, we received a check for {$4000.00} from Citibank mortgage without any explanations. As I dug into the issue, I discovered that this check was for the 1/8 point overcharge based on a XXXX XXXX dollar settlement Citibank had CFPB. The {$4000.00} check, based on the person responded to my calls with Citibank, is for the rate difference. Citibank told me that they have calculated the difference in interest for 5 years and made some deductions that is how they have arrived to {$4000.00}. I argued with the Citibank representative that this not acceptable. They need to either pay me the difference in monthly payment between 3.25 % and 3.125 %, which is equal to {$73.00} per month, for as long as I hold the loan and bring the back payments in to today 's dollar value. Alternatively, they can calculate the loan amounts that I should have had received in XXXX instead of {>= $1,000,000}. This new principal value, based on XXXX dollars, would have been {>= $1,000,000} or {$17000.00} more than what I received as principal for the loan. This XXXX should be adjusted to today 's dollar value. 
This issue was escalated and I talked to the managers. Everyone repeated the same information that I received the interest for 5 years with some subtractions. Although Citibank was always very polite, but basically their point was that this is the money you were not expecting, so go enjoy it! This response is not acceptable. I do not see any issue with my logic and reasoning. Citibank did not provided what they have advertised and they should correct their mistake and properly reimburse us. 

CitiMotgage Account Number XXXX Principal dollar value Received : {>= $1,000,000} Interest rate received : 3.25 % ( Should have been 3.125 % ) 30 year fix rate loan XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Cell ( 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 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I documented all the steps I have taken in the attached document that is more detailed than this write-up and the dates. Please review it. 

There were fraudulent ACH debits on my account on XX/XX/XXXX for {$380.00} and {$4400.00}. I was proactive about securing my account by filing a claim and speaking with both the representative and a personal banker at the branch about the best steps to secure my account while the claim is being processed. Both representatives said that I should not close the account while the investigation is pending. However, one representative said that my account should be secure if I withdraw the funds from it and keep the balance low. Both reps claimed they could block ACH debits from my savings account, but not my checking. 

However, fraud continues to build up on my account. There was another unauthorized transaction that I noticed today, XX/XX/XXXX of a transaction on XX/XX/XXXX for {$380.00} that led to my account being overdrawn. I called in again and filed another claim, but I am dissatisfied that money is allowed to be continuously drained. 

I also applied for a {$500.00} promotion that has not posted. Obviously, the fraud and account security is more important, but I would appreciate if that could be expedited since it's probably necessary that I close the account since it's compromised. 

I believe I am being proactive about securing my account but Citibank is not. My checking account should be easily blocked from all future ACH debits. Please ensure this is the case. If this can not be done, I don't understand why we can't just close the account to prevent future fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm a U.S. legal permanent resident ( " green card '' holder ). Several years ago, I opened a checking account at a Chase branch. Two weeks ago, I wanted to add my spouse to my account. The banker refused to accept my New York state I.D . stating that only U.S. citizens are entitled to using their state IDs as their primary form of identification. Non-citizens are required to present their immigration papers at Chase. Later, I confirmed with Chase 's executive office that this was in fact their policy and that they stood by it. I find this policy discriminatory and suspect that it may not be fully legal. My state I.D . is as good as those of U.S. citizens. If a U.S. citizen does not have to verify their citizenship status every time to perform a simple transaction, nor should I be required to show my immigration papers every time I enter the branch. Either state IDs are accepted for every ( established ) customer or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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:
Equifax and XXXX have bankruptcies reporting on my report. XXXX   has removed it. I have sent them certified letters with my Identity Theft Affidavit, Police Report, Copies of DL, Social Security Card, and Bank Statement showing proof of address is as is on DL. These bankruptcies are reporting illegally. In the FCRA, they are required to report items only reported by the original vendor, which in this case would be the court. I have spoken with the court several times. They have stated and I have requested that they send me a letter that I can use when my attorney files suit, that they do not report bankruptcies to the credit bureaus at all. They do not verify information. They stated that XXXX XXXX, whom works or is affiliated with the Credit bureaus reports the information to the bureaus, regardless if it is fraudulent or not. I have spoken with XXXX XXXX and they have stated that it isn't in their systems, but yet these bureaus refuse to remove the information and are impacting my credit history negatively. I have the right to sue and I will. They have 25 days left to remove these items off of my report or I will sue. I have submitted the information to my attorney and he will sue on my behalf if they do not remove these item asap. Also, Equifax is reporting a collection account that I have adamantly stated does not belong to me. Under the FCRA we will use that to sue and get it removed from my report along with the numerous inquiries that Equifax stated that they would remove and they haven't removed them. XXXX  keeps sending notices stating that they need certain information. XXXX tracking number with all of that information is XXXX via the USPS. Equifax tracking number with that information is XXXX. I am over the illegal reporting that these bureaus are doing. I am requesting that these items are removed before we sue and we will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Collection on credit Report 19 months old. No contact or attempt made to notify of payment owed. 

Diversified credit has placed a collection on my credit report for an outstanding XXXX XXXX XXXX cable invoice from XX/XX/XXXX. This account was to our knowledge closed and paid in full upon moving. We never received any documentation or notice of the outstanding balance owed. The first knowledge of this debt was upon working with mortgage lender to close on a home in XX/XX/XXXX. The dating of this debt per XXXX XXXX XXXX and Diversified XXXX is 21 months old and has just appeared on my credit report XX/XX/XXXX. If this invoice was received I would have made due payment. However in trying to work with both XXXX XXXX XXXX and Diversified XXXX they are unwilling to assist in clearing this from my credit report despite my eagerness to pay in full. To my knowledge this debt did not exist and was unable to pay what I was not aware existed. Note, a bill was not received at the forwarding address at anytime. 
Unable to attach statement below as not provided by either XXXX XXXX XXXX or Diversified XXXX although requested twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I received alert about a debt being placed on my credit bureaus. I called the company to set up payment arrangement. They told me 3 letters went out since XX/XX/2019. I never receive no letters from this company sbout this debt. I asked to remove this debt from the credit files they refused. I told them i can pay the balance XX/XX/2019. I gave them my credit card #. After our conversation i called back XX/XX/2019 to get the account # the clerk gave me the account # and told me that XX/XX/2019 is when the funds to be draw out of my account. After they got my debit card # they changed the date to draw the funds. But thats not the arrangement they made with me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have called CONNs to try to pay my bill and handle the situation twice now. The first time ( XXXX ) they sent me to XXXX XXXX XXXX. ( XXXX ) I spoke to the manager there by the name of XXXX XXXX ex. XXXX. She informed me that they have closed & canceled my account with them & sent it back to CONNs on XX/XX/2019. 
Today I tried calling CONNs again to pay my bill and they said its still in collections with XXXX XXXX and kept giving me the run around. So, I asked to speak to a manager. I spoke to a lady by the name of XXXX. I asked her if I could just pay it off, she wouldnt let me because its in a different department but even she is unsure what department that is because he records indicate that XXXX XXXX still has the account. Im not sure what to do from here. 
The lady said she would send it up to the off line department to find out where its at or who has the account. 

Conns account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Repeated harassing calls. I have never provided this business with my phone number. These calls come at all times to include early morning as well as late night.

Company response to consumer: Closed with non-monetary relief