vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Good Morning, I have a complaint about my former second mortgage bank, Charter One, NA : Act. XXXX was discharged by Chapter XXXX bankruptcy proceedings in the XXXX  district of Michigan Bankruptcy Court, Petition No. XXXX, listed in Schedule D for secured loans. The house was appraised and found to be under water at that time. Court Register of actions shows that no other order was entered that addressed charter One 's mortgage. The debt was discharged. Upon attempt in to refinance my home, per divorce order to remove my ex-husband 's name, Charter One, bankruptcy department refused to strip lien, subordinate loan, and asked for payments. Manager, 'XXXX  , ' is now claiming XXXX is due the original amount was XXXX. She refused to put any request in writing. Myself, my mortgage broker from XXXX  XXXX XXXX XXXX, and a lawyer who no longer represents me contacted her via phone, mail, and email during XX/XX/2018 to present. She confirmed the loan was charged off. I demand Charter One strip the lien from my title, with no money owed as it is a charge off, as soon as possible. I would like them to email or send me supporting documents that this was done. XXXX XXXX XXXX XXXX, XXXX XXXX, mi XXXX thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

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 2019-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: FL

Complaint narrative:
In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

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 2019-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: LA

Complaint narrative:
Received phone calls at my job from loan company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: IL

Complaint narrative:
On XX/XX/2018 I received an updated Equifax credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX. 

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me. 

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Equifax detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Equifax conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Equifax able to verify the account? 

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms. 

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Equifax credit report. This is my final attempt at a resolution with Equifax regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Crediter name XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX   report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files

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 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from Wells Fargo Call Center for student loan collections on XX/XX/XXXX where I told Wells Fargo representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, Wells Fargo reported me late and in my previous complaint i stated this and Wells Fargo denied saying approval of forbearance. I disagree and know that Wells Fargo is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.

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 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
A missed payment in XX/XX/2018 resulted in being excluded from ACH payment process. Subsequent manual payments commenced. A missed payment in XX/XX/2018 was communicated by phone message and letter but not by email or even using the account holder message alert system. The mortgage company put in place delinquency notice and subsequently effected my personal credit score. 

My issue is that this company actively makes it hard to comply on the basis of the following ; 1. If normal ACH is not possible no second or third attempt is made. It simply goes straight to a non-payment situation. Given the longevity of my payment record on this mortgage I find this approach completely unhelpful and is purely self serving on the part of the company. 
2. Once issues with payment have occurred communication of same is very poor. Surely immediate email notification should be the communication of choice.

3. Once there has been an issue with an ACH payment your are locked out of any future ACH for a period of 12 months thus exacerbating the issue by having to return to old school manual payments. 

Overall I feel the treatment of me, as a customer, is reprehensible by this company. If I could change companies, without incurring significant costs I would. The company is actively making it difficult by blocking the easiest payment route and I believe on the basis of securing additional revenue in the form of late fees exacerbated through subsequent bureaucratic red tape and probation periods for the accessing the easiest repayment routes. 

Federal oversight should come down hard on companies that exploit such situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The escrow for property taxes was not included in my XX/XX/XXXX payment because I do not owe any taxes for the year XX/XX/XXXX-XX/XX/XXXX. They have already been paid by the State of California as the XXXX XXXX customer service people have been notified of multiple times. A fully paid receipt by XXXX County is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America.. REG E violation on XX/XX/XXXX I lost my debit card after visiting a Restaurant in downtown XXXX. This is not my primary card, therefore i did not notice it was missing until I noticed fraud on my Bank of America account. I submitted a fraud claim on all transactions that occurred after my last valid transactions and bank of america gave me a provisional credit. That provisional credit was reversed on XX/XX/XXXX and the reasons that were given, were that the transactions matched my spending pattern, were in my area and were at merchants that i have been to. 
These reasons were simply not true. This card is not my primary card therefore i do not use the card often, There were around 30 transactions which occurred in a short span over the course of a few days. Far outside my normal spending pattern, for amounts that i have never spent and almost all merchant i have never been too. The only exception was the card was used at a XXXX which i have been to which was near where the card was lost. Also the card was used to buy a XXXX XXXX pass, which i have also done. 
I am now have a negative balance because my claim was not properly investigated. Bank of America used lies to not pay my claim and any proper investigation would have showed that this was true 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 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a call from XXXX XXXX Call Center for student loan collections on XX/XX/XXXX where I told XXXX XXXX representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, XXXX XXXX reported me late and in my previous complaint i stated this and XXXX XXXX denied saying approval of forbearance. I disagree and know that XXXX XXXX is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.

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 2019-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a total of five loans with Wells Fargo. These loans were originally disbursed between XX/XX/XXXX-XX/XX/XXXX with another lender and then transferred over to WF in XX/XX/XXXX. I did not personally make the transfer ; it was a matter of banks selling loans to each other. 

In XX/XX/XXXX, I received a letter stating that WF had charged me higher interest on my loans than what should have been, and attached was a check for {$16000.00}. 

In the short letter, there was no other description of the error, such as how exactly they had calculated the refund amount. 

I called the number on the letter for clarification. I wanted a detailed explanation on which loans, for how long, and what exactly was the overcharge on the interest percentage. 

I was handed over several times to different departments because no one really knew the answer to my question. About a week later, a XXXX XXXX at XXXX ext. XXXX returned my call and told me the interest rate overcharge was .25 %. I wanted to know which loans, and for how long and he did not have that information for me. He transferred me over to XXXX who could further assist me. This next lady also did not have any of the numbers I was looking for but promised to reach out to me in writing with a resolution. That was XX/XX/XXXX. 

By today, XX/XX/XXXX, I had not received any communication from WF other than a letter telling me cash the check quickly or else the check will become null and void and I will have to retrieve it through the Treasury. 

I called the XXXX number again and spoke with another lady who looked into the matter for me. She came up with the following information : Loan 1 - disbursed and overcharged since XX/XX/XXXX. Difference in interest I was charged and what I should have been charged : XXXX Loan 2 -  disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX Loan 3 - disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX These three make up the {$16000.00}. I asked her if it included any interest since I was overpaying for a period of about 15 years due to errors on the part of WF. She said no, that the loans had been transferred to WF with the interest already being overcharged and they did not know it when it was happening.

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 2019-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
experian has failed to investigate nor rectify a collection that i have no idea who it is and it is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: FL

Complaint narrative:
XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to XXXX   and Experian that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.

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 2019-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I still am money transfer on XX/XX/2018. Person sent to could not receive due to identification problem. XX/XX/2018 Western Union wrote me to advise that the receiver had not got the fund and they wanted to refund. I told them to send it but they could not match my address since I had moved. I sent them a copy of my lease as requested along with going on to their website to correct my account. They stated that once verified they would send me a MTCN money transfer control number and I would be able to go in store with my ID showing my new address and pick up my refund. To date this has not occurred.

My case reference number with Western Union is XXXX. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. My telephone number is XXXX XXXX. The amount expected is about {$54.00}. I have called them repeatedly and I am frustrated. 

Please help me obtain my money. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ERC
State: NY

Complaint narrative:
Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My name is XXXX XXXX and I have a home in XXXX North Carolina, which is mortgaged through SLS Mortgage Company. I have been trying for several months to get SLS to drop the PMI from our mortgage but they will not respond to our requests. We have invested XXXX in improvements to the home which has increased the value significantly. My wife and I have called several times, weve sent in all requested letters but have gotten zero response from SLS. We would appreciate any help you could offer on this matter. Please see attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received 2 calls outside of the time the company is able to call. The first call was on XX/XX/XXXX @ XXXX XXXX. I informed the representative that my local time was outside the allowed time. The representative verified my Arizona mailing address. The representative apologized and terminated the call. I then received a call on XX/XX/XXXX at XXXX XXXX. Again, I informed the representative of my local time, she continued the conversation and then when on to say that " by law, we can call until XXXX XXXX, I then repeated that it was XXXX XXXX. She continued to attempt to collect a late payment from me and I stated I was asleep, and have to be up at XXXX XXXX, I would schedule on my phone app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.

Company response to consumer: Closed with explanation