vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
We recently tried to refinance with XXXX XXXX XXXX  on our home loan and was denied due to the current mortgage company. Ditech is our current mortgage company and was not the original company since we filed bankruptcy XXXX which did not include our primary mortgage. ( XXXX XXXX sold to GreenTree and then they merged to Ditech ). We 've never been behind on payments and yet Ditech has reported to the XXXX that we 've been behind from XXXX XXXX to XXXX XXXX however we never received notification of escrow increase until XX/XX/XXXX that from documentation we received however they are reporting they did send us escrow notification back in XX/XX/XXXX which we did not receive. Since this all came to light we made payment to bring the escrow current and now just received another escrow stating we are still short by XXXX dollars XXXX cents which after making the payment online and calling XXXX in their bankruptcy department found out that I was not able to make this payment online or over the phone was supposed to send w/coupon and there is no coupon on the paperwork that we received. Per XXXX she will have that money credit to our escrow account with Ditech. Now they are even decreasing our monthly payment per this document from XXXX to XXXX as of XX/XX/XXXX. Also we 've been discharged from  our chapter XXXX bankruptcy sinceXX/XX/XXXXyet they still have our mortgage under bankruptcy department so that we do not get monthly statements we have not gotten updates without struggling to get this information and the people that I 've had to deal with are very rude and unfriendly and I understand for a majority of people they deal with our losing their homes but I have not ever been in this position nor was there any intent on losing our home. Ditech is preventing us with these modification from refinancing and moving our loan away from them. I 've been told by other mortgage brokers Ditech is GreenTree and they are notorious for doing this and foreclosing on people. I need help getting my loan away from Ditech and/or keeping them on track of correcting these errors and collecting extra money my insurance and taxes have not increased that much over the twenty plus years I 've lived in my home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
As part of the negotiations with Paypal under complaints XXXX, XXXX, and XXXX I talked on the phone with XXXX XXXX XXXX, Operations Counsel of Paypal, and he promised me that my Paypal account " XXXXXXXXXXXX '' will be removed the limitations to oprate and allowed to be used normally. However, as of today, Paypal has not yet respected the pledge by XXXX XXXX XXXX. 
In the meanwhile, there were some email exchanges with some XXXX counterparts ( XXXX XXXX, Case Reference : XXXX ) that only put obstacles and tried to ignore the word by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My name is XXXX XXXX. I applied for a mortgage refinance recently and was sent a copy of my credit report and noticed that my credit score had gone down and that there was one negative fraudulent report for a Chase Credit card that said the account was closed and there was a charge off because of no payment with 2 amounts of Balance {$280.00} and Past Due of {$230.00}. I have never had a Chase credit card and any charges associated with this account are not mine. 

I called over a month ago and inquired about the account and they said they would send me a copy of all transactions associated with the account. When I was on the phone they had an address XXXX XXXX XXXX XXXX / XXXX, TX which I have n't lived at since XXXX. Date the account was opened XXXX/XXXX/XXXX and date Chase reported to credit reporting agencies was XXXX/XXXX/XXXX. As of today I still have n't received anything in the mail and I gave them my current address of XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX, Utah XXXX. I tried to get connected to a supervisor or manager which I was denied. I called again today and requested information again. The card number with the fraudulent charges is XXXX. XXXX XXXX / XXXX. XXXX XXXX / XXXX, DE. XXXX / XXXX. 

Any help would be greatly appreciated and I would just like talk to a manager or supervisor with Chase to get this resolved. My phone number is XXXX or email is XXXXXXXXXXXX Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
last XX/XX/XXXX, my debt card and pin # was stolen, at this time, people had been stealing card numbers and pin numbers extremely bad that it had caught the news attention. I filed a police report, fraud report with the bank. I was told that they would put a freeze on my account and stop my direct deposits from my employer. If they could n't catch the deposit from entering the account, I could come up to the branch once it cleared and receive my payroll deposit until the investigation was cleared. I came to the branch and was told that it was put toward the negative balance. I received a letter about a week later that because I was negligent in losing my card, I was responsible for the debt. TCF allowed 2 fraudulent checks to be cashed against my account, mind you, I did n't even have the money to cover the checks that was cashed to my account. That 's where I 'm still lost, how do you allow a check to be cashed with the money in the account and not allowing an out of state check to clear to make sure that it is a legit check? 
Also, through the police investigation, they have photos of the criminals and the bank knows that it is not me or my son, we had to submit photos. not only was my name on the account, I had a son in college that was on the account as well, so I could send him money throughout the month for his expenses. I have fought this for almost a year. 
I 'm so upset about this because not only ca n't I or my son get accepted in a credit union because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: 	XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX< 	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX
Date Updated: 	XX/XX/2017
Original Amount: XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 
COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I had report that I had a complaint with TransUnion and they submitted back to you that the item was not my credit report however they have changed the number the item number is XXXX a state tax lien that the information is incorrect and the State XXXX Oklahoma and The XXXX XXXX Clerk said it could not be validated and should be removed from my report. I now question their reporting of the bankruptcy that shows up on my report as the XXXX Bankruptcy XXXX said there are multiple errors and they didnt not report he information to the agency. This too should be removed.

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 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Repeated phone calls after I have asked them to make a note I will call at the end of the month to resolve the account and bring it current. Calls are every few minutes ALL DAY LONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian will not remove an old entry from 2009 on my credit report. The account is a charge of from XXXX XXXX ( ACT XXXX .... ) This is long past the 7 year reporting period, and the other bureaus have already removed 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 non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX, I made an online purchase with my XXXX XXXX XXXX ( AEO ) credit card and the purchase was approved. I had a known credit line of XXXX dollars with XXXX available. After making the purchase and returning the items, XXXX decreased the credit line to XXXX without my knowledge and as a result, put me over my credit limit by XXXX some dollars. I think this is unfair practice and as scam for a customer who paid the bill on time or before time. I called the company and they stated that the affiliated bank decreased my credit line and there was nothing they could do.

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 2017-10-16 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:
XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On the evening of XXXX I received a text from XXXX XXXX advising a hard credit inquiry had been made on my XXXX report by XXXX XXXX, ID XXXX with contact of XXXX. They further inquired if I had in fact had applied for credit with XXXX on XXXX. I have NOT made any credit application on the date of XXXX with 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 non-monetary relief
Consumer complaint received 2017-10-16 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: NY

Complaint narrative:
There are several inquires that just hit my credit file and I did not apply for any of these XXXX inquiry XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX inquiry XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

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 2017-10-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.

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 2017-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.

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 2017-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.

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 2017-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander was charged off and settled in XXXX. 

See screenshot for issues. Every bureau shows something completely different and all incorrect. 

XXXX - Shows a {$9300.00} balance and derogatory charge off. Date of last payment XXXX/XXXX/XXXX Experian - Shows XXXX balance and paid and late 180 days in XXXX. Date of last payment XXXX/XXXX/XXXX XXXX - Shows XXXX balance and paid and late 120 days. Date of last payment XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation