vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: NY

Complaint narrative:
I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.

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 2018-11-13 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: NY

Complaint narrative:
I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: TX

Complaint narrative:
Credit bureaus, refuse to correct information after being provided proof Trans Union reporting DOUBLE JEOPARDY XXXX XXXX one they both reporting on my Trans Union report XXXX XXXX XXXX should be remove off of my credit FCRA Section XXXX Accordion from Trans Union Investigation Results File XXXX Date issued : XX/XX/2018 XXXX 's was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results

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 2018-11-13 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2018-11-13 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citibank interest checking and Citi Savings account on XX/XX/18 that included a promotional bonus offer ( offer code XXXX ). The terms of the offer were : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account. 

On XX/XX/18, I deposited {$15000.00} into my Citibank accounts ( {$2000.00} in my interest checking account and {$13000.00} in my savings account ) fulfilling the first requirement. 
I maintained the {$15000.00} balance for 86 days, or until XX/XX/18, fulfilling the second requirement. 
Therefore, both requirements were met on XX/XX/18 ( 60 days after depositing the {$15000.00} ). It has now been 95 days since meeting those requirements, which is beyond Citibank 's terms. Those terms state they will pay the bonus within 90 days after all requirements are met : " you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities ''

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 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have have a Home Equity line of credit for about XXXX years. with PNC bank. 

This past XX/XX/XXXX, I do not receive my monthly statement. I went into the bank and they said because everyone was assigned a new account number, a lot of statements did not go out. 

The next month - still no statement. 
Next month - same thing. 
Finally the main office at PNC XXXX / XXXX said anyone who had a past bankruptcy on their record, was not getting statements at this time - the problem would be fixed soon, they said. 

9 months later - still no statements! I have no idea how my payments are being applied, what my balance is - nothing! A recent call, they told me their legal team has been working on special wording, that needs to go on the statement, of anyone with a previous bankruptcy - and they still have not figured out that wording! 

Can they withhold statements on my loan??? 

My loan is variable interest. and recently the interested almost doubled and I had no idea until I went to pay my loan. No one notified me! 

I am contacting a lawyer to see if we can have a class action lawsuit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My problem is with Navient. I feel their goal is to keep you in debt forever. They are now in a class action suit, which I only found out about because they stopped sending me statements XX/XX/XXXX and I had called to find out why. I was told it was because of bankruptcy. I am a cosigner on this account with my son so I said I hadn't filed bankruptcy, so it must be my son. They said yes. This was very upsetting to me so I called my son & no he hadn't filed. After a few more calls to Navient, I found out they had a class action suit against them. Also, even though I was not getting a bill I am still being charged interest. 

My statements that I had been receiving state that currant amount due is XXXX. Past amount due is XXXX. Unpaid fees XXXX total payment due XXXX. And on this statement due XX/XX/XXXX the interest is {$35.00} yet on my payment history is was charged {$56.00}. 
Another complaint is that I had a name change in XX/XX/XXXX which I verified with Navient by a copy of my marriage certificate. My name was changed but of XX/XX/XXXX they changed it back to my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved. 

I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up. 

I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I have a car loan through Chase bank. In XX/XX/2014 My mother passed away so I called in to get a payment skipped. They approved it and have reported a missing payment since. It is hurting my credit and they need to remove the late payments asap. I have disputed with them and XXXX XXXX. I pay every month on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good Day, I got an email on XX/XX/2018 from XXXX : Dear XXXX, As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your XXXX XXXX membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the XXXX XXXX every month to check your score and score history. Log in to your account now. 

Thank you for choosing XXXX XXXX. 

Sincerely, TransUnion I created an account after entering personal information, including a credit card number. Credit scores then appeared, along with other information about my credit. On closer examination, I discovered I had been signed up for credit monitoring, for {$19.00} /month, and that the first month had already been billed to my credit card. There was no indication that I would be charged for this service. I called XXXX, and at first, they claimed not to be able to hear me. I finally spoke to XXXX, who, at first, claimed that the first months ' charge could not be refunded. After much negotiation, she promised that the first months ' charge would be refunded, confirmation # XXXX. 

Please encourage TransUnion to make it clear that the service offered by the email costs $ XXXX/month. Please ensure that all charges associated with this matter are refunded to my credit card.

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 2018-11-13 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Credit bureaus, refuse to correct information after being provided proof XXXX XXXX reporting DOUBLE JEOPARDY XXXX XXXX/XXXX XXXX they both reporting on my XXXX XXXX report XXXX XXXX XXXX should be remove off of my credit FCRA Section 623 Accordion from XXXX XXXX Investigation Results File XXXX Date issued : XX/XX/2018 XXXX XXXX was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: AL

Complaint narrative:
On XX/XX/2018 I contacted Equifax at XXXX and spoke with XXXX. I advised XXXX I was made aware of inquiries on my credit report I did not authorize. XXXX advised I was unable to dispute this information and had to contact each individual company to dispute it. I advised I did not feel it was my duty to do so because as custodian and the furnisher of information it is Equifax 's duty to ensure all inquires a duly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
I completed online loan inquiries and received a response from XXXX XXXX XXXX, phone number XXXX. When I contacted above number and was finished with the verification process they started talking about getting my credit card info for a verification and then I would be able to get loan. I asked why and he gave me a response that did not make sense. I told them I wanted to cancel application and they have my information so I don't know what to do. They sent me emails with XXXX XXXX XXXX names, information, and legit looking documents. When I called they answered with XXXX XXXX XXXX as  well. I don't know if this is legit XXXX XXXX XXXX but if it's not they have all my information from the verification process I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX initiated an eviction process against me for 30 days or less late in my rent. XXXX XXXX District Court, XXXX XXXX County, VA granted a judgment for {$910.00} ( the deposit I paid them was not deducted ). Within 30 or  60 days, I received a letter from a collection agency, National Credit System , Inc. Demanding {$3200.00}. I disputed the amount. I tried to find a lawyer unsuccessfully. On XX/XX/XXXX, I settled the debt for {$1500.00}, perhaps more. They send a letter indicating that I had no further obligations. I'm in the process of applying for a home improvement loan, which is denied because the judgment still shows on my credit. I called National Credit System. They indicated is their prerogative not to remove the judgment because I still have a balance. For the judgment to be removed, I have to pay in full. I'm requesting an investigation. One, can a judgment be increased? ; Two, can they  refused to remove a judgment after indicating I have no further obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
On XX/XX/18 I contacted XXXX XXXX , XXXX, the company that handles payments and loan servicing, for Citizens One student loans. I expressed to them that I could no longer afford their payment and need to talk about options on how to do so. I informed them that we had recently completed a bankruptcy and would not qualify to refinance. XXXX expressed that there were no options available for me get payment relief and that they were following lender guidelines. I requested to talk to a manager and received the same information. This time she told me my only option was to go back to school atleast half time and that my loan payments would be deferred. At what point does it make sense to defer payments, accrue daily interest, and increase my payments when the loan goes back into repayment. I can't afford the payment as is. The best XXXX could do was file a complaint with Citizens One. So I called citizens one. I spoke with a woman and then a manager. The manager was willing to conference in XXXX and discuss options with me. This was nice. However, it ended in the same result. Nothing could be done. I am a willing consumer wanting to pay my loan, but can't afford the payment. Neither company wants to help. They both kept saying I wish there was something I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation