vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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:
the following one collection is not mine, this is an inaccurate information reporting under my name, please find attached the documents that shows i had been a victim of ID theft, this is a fraud account showing under my name, please have equifax remove this inaccuracy thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: OH

Complaint narrative:
XXXX shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

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 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt was settled by the party that I signed a contract with. Last year XX/XX/ I received a call as well as letter stating portfolio recovery brought my debt from a debt collector. I disputed this claim with written notice alerting portfolio recovery that this debt and agreement was cleared. Portfolio recovery removed the debt from my credit report however in XXXX XXXX they have placed it back onto my credit report. I have asked them a number of times to provide with me the proper documentation on this debt and they have yet to send me this information. They have ignored me for the pass two month and they update to my credit report every month which is hurting my credit without proper communication nor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: OH

Complaint narrative:
Equifax shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: OH

Complaint narrative:
XXXX  shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/XXXX the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

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 2019-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/2019, I sent a PRINCIPAL ONLY payment to my lender of {$500.00}. ( The payment literally said PRINCIPAL PAYMENT. ) They only applied {$410.00} towards my principal. 

On XX/XX/XXXX, they issued a check for an over payment of escrow of {$330.00}. 

On XX/XX/XXXX, they applied {$19.00} to my principal. 

Why was my entire {$500.00} NOT applied to my principal as directed? This company did NOT have my authorization to do anything else with these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am a small business owner, and one of my clients issued a bill pay check from Wells Fargo to pay an invoice. Upon receipt, the check was damaged ( See attached scan ), making all identifying information illegible except for the Wells Fargo contact information and the routing numbers on the bottom of the check both of which are legible. If I am unable to determine the amount of the check or the issuing individual, I can not contact the person and let them know that I have not been paid ( I am unable to deposit the check ). 

It is my understanding from Wells Fargo that they immediately remove the funds from the individual account and deposit it into a Wells Fargo account, so from the individuals records, it would appear that the monies have been withdrawn and the invoice satisfied. Wells Fargo has refused to issue a new check or to attempt to contact the individual who issued the funds. This was relayed to me by Wells Fargo staff at their corporate office as well as an individual who works at the XXXX branch in a meeting on XX/XX/XXXX. As of today, Wells Fargo has monies owed to me in their possession, and my client ( whoever that may be ) has no idea that they have an outstanding invoice.

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My Home depot store credit card issued by Citibank , N.A . had it's credit limit decreased which caused my credit score to drop. I was not contacted in anyway that this took place by Citibank. I was alerted by the credit reporting agency that my score had dropped due to the credit limit decrease. I contacted Citibank and was informed that they decreased my limit due to no purchase activity. I informed them that I was not made aware of the limit decrease by them and asked that the limit be reinstated. Citibank customer service stated that they have to pull a hard report in order to put the limit back to where it was. I declined the increase as it would damage my good credit and that it would drop my credit score even more. I was advised that they should have notified my that they were going to lower my limit. I then spoke with an account supervisor and was told that my account would not have the credit limit decreased again as to avoid damage to my credit report. Approx 2 months later I was alerted by the credit report agency that my score dropped again due the same issue as before with Citibank. On XX/XX/19 I spoke with an account supervisor and explained what happened again and a review of the notes from prior incident confirmed the issue. I again was told that they can run a hard inquiry to reinstate my original limit. I then requested to speak with their supervisor and was told that they do not give out that information. I again requested a contact for their supervisor and was denied the request and was hung up on. I was professional and respectful at all times during both phone conversations. These negative actions by Citibank have caused damage to my credit report. I was advised after the first credit decrease that it would no happen again and was assured that my account and limit would stay as agreed. I was told that I should buy something for a dollar at home depot to keep my account in current standing as to avoid the limit decreases. Is was given a team ID of XXXX as reference for further communication with Citibank per account manager 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 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
In XX/XX/2019 I paid in full all amounts due on my mortgage to bring it current. The amount I paid was {$11000.00}. On XX/XX/2019 I received a bill saying that {$250.00} was past due. When I called Ditech Financial I was told they had misapplied funds to the escrow account and that error was to be corrected. I was told everything was in order and there was no back payment due. I asked for a corrected bill but was refused and told to pay the next mortgage payment due. I did so and that payment was received on XX/XX/2019. I received a billing from Ditech Financial alleging that there was a late charge due of {$30.00}. When I asked from where did that late charge come, I received a non-responsive answer of the our records show ... variety. When I asked for specifics I got the same response and told to dispute it if I wanted to do so. 
There is no back payments of any kind due. I am totally current. I did notice that Ditech Financial paid out {$30.00} from my escrow account to cover local real estate taxes due but that is not an arrears payment but an advance which they recover in the next payment. Billing me alleging a past due amount is totally false. 
I will appreciate whatever you can do to settle this matter in my favor. 
Since Ditch Financial is in bankruptcy court in NY XXXX XXXX I wonder if this billing is part of a strategy to bring in cash during reorganization? 
Thank you again for your assistance. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one put a restriction on my account for normal card use. I can not dispute any charges or issues on the account without sending them a copy of my license and SS card, which I am extremely uncomfortable doing. I can verify every purchase, I'm calling from the number on the account, I've verified things by email and by regular mail and that is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MN

Complaint narrative:
To whom it may concern, I graduated from college in XXXX. It is now XXXX and my loan has gone from XXXX to XXXX. 
I consolidated my loan to help me get all my loans in one place, this averaged my interest rate and actually make my debt load more. 

I spoke with someone recently at XXXX XXXX XXXX and inquired about lowering my payment. The problem is lowering my payment on a income based repayment plan isnt helping because its the interest that continues to accrue and then balance that continues To go up not down. 
The woman I spoke to explained to me that my interest at 6.38 % is {$13.00} a day, which is XXXX a month. My {$290.00} monthly payment doesnt even get to the principal balance. If I choose to defer my loan when I have trouble paying the interest is capitalized onto the principal balance and again my loan goes up not down. 
I have a XXXX XXXX that I owe XXXX dollars on and have paid on for 7 years. The more money I make the more I need to pay so I can never get ahead. I cant find a job with my degree and cant go back to school because more loans. 
I am writing to try to get somewhere. Ive asked to lower my interest rate to refinance to potentially change companies ( although this companys customer service has answered my questions ) I do feel like I am being taken advantage of and really in a place of desperation as I have children and work as hard as I can and will soon need to retire myself. 
I dont understand how this company can basically add so much interest that the loan has more of a balance than when I started paying. XXXX more and it will keep growing not shrinking. She said if I defer to keep up on interest. I can not pay XXXX a month in interest when I cant afford my $ XXXX monthly payment. 
Both my parents are deceased. I am the first one in my family to attend college. I would like to help my children with college. Is this the America Dream to die from student loan debt? 
I am a XXXX female. I am educated. This feels unfair. I wanted to be a XXXX. I wanted a career. I had a dream of helping children. I cant go back to get a XXXX   certificate because my student loan debt is to high. 
I feel sorry for our future generations of this is what they have to look forward to. Why cant student loan companies charge a reasonable amount of interest and not try to punish you when you struggle to pay or cant afford the maximum payment? Can something be done to make XXXX XXXX more fair to its borrowers? Isnt this company with the Department of Education? Why are they trying to make so much money off of us? What can be done? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal complaint against Barclays Bank Delaware as they have refused to follow the law by sending validation of debt BEARING MY SIGNATURE. 
I am writing this letter to serve as a form of documented times that I have had to send written disputes request to this company, which this will be the third time. Per the law, when a company is not able to validate a debt bearing ones signature, as per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verification ; it is to be completely deleted off of all three credit reports, or it serves as harassment and a form defamation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA 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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraud alert removal

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 2019-05-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After several attempts, I like to resolve this with American express themselves I was unsuccessful. Every time I called I was given false promises and it is very well-documented. 


It all began when I realized 4 fraudulent transactions on my American Express credit card, and in accordance with the fear credit billing act and terms and conditions from America express that I am not liable for FRAUD. 

Turns out, after my first call to notify American Express they did indeed give me a temporary credit until they finish investigating. However they reversed it with no explanation. 

I then got numerous letter from American Express that due to the nature of the fraud claim they are unable to help me ( thereby liable to pay it ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Well I haven't received paypal holdings they been holding for almost a year now. Investments from last year no money received .XXXX returns non at all. Theres plimmishing, spfooing. I'm a victom of Fraud and the web it self ive had money Unauthorized charges to open off apps and prepaid cards. At least {$100.00} Hackers interfere with loans all they above Loans except mortgage. Online text and calls people I don't know. Currency having problem converting in 4,5 Countries. Online Paid Surveys I've completed havent revived a XXXX XXXX for. Starting XX/XX/2017 ending now. Rewards i completed including the extra steps I finished still haven't received my rewards gift cards XXXX and XXXX. Magazines ebooks etc. prepaid and credit card Rewards havent gotten XXXX XXXX spends XX/XX/2017 my spends are gone XXXX XXXX, XXXX XXXX  and XXXX. Owe {$160.00} in card unauthorized usage. The web provides false info and death statements my user name always being used. I could go on and on XXXX from Paypal Supervisor hasn't return my Unathorized {$60.00} I put on cash card. Thank u bye XXXX oh yea unclaimed money I've paid XXXX $ and still haven't received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XX/XX/2019 received Debt statement from US DEPT OF EDUCATION. Stated that they hold the defaulted student loan and balance was now due. Letter shows original amount of {$1900.00} & {$3500.00}. Never knew these loans existed. Never had a Loan Servicer assigned to me. Never received correspondence regarding this loan was active. Now, received letter from collection agency XXXX XXXX XXXX XXXX stating balance owed is now {$6900.00}. What would be my next action step since none of these firms advised me of what was due. Never received billing statement, never knew these even existed. 
Rules were not followed to support these Federal Loans. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase Bank has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I believe this was done due to my race

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
TransUnion signed me up for their monthly premium subscription in XXXX. I have not used this site, nor did I want this service. The company has been charging me XXXX each month since then, despite never warning me via email I recently noticed these fraudulent charges on my credit card statement. They have charged me a total of 9 times at XXXX each for a total of XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I tried to settle this with TransUnion, but they refused to refund anything, even though I never used their service or wanted their subscription. An Internet search suggests that many others have been scammed by this site. Please look into this. Thank you.

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2019 RE : Social Security Number : XXXX-XXXX-XXXX To Whom It May Concern, This letter serves as a dispute and claim to be filed against Pentagon Federal CR UN in regards to account # XXXX. 
I called on XX/XX/2019 at XXXX ( time stamp ) and an employee, on a recorded line, stated that I could pay three monthly payments of {$480.00}, automatically deducted from my checking account, and my account would be brought current. I expressed concerns about the payments being too high, and asked if they could be lowered. The employee stated that this program would allow me to make the three consecutive monthly payments of {$480.00}, Pentagon Federal CR UN would bring the account current AND after that it would be allowed for the payments to be lowered. 
I called back on XX/XX/19 XXXX and spoke to a manager who took their time to listen to the call, came back and apologized for the misinformed information and that that specific employee does not work in that department any further. 
According to the Commonwealth of Virginia, oral contracts are enforceable, and because the verbal contract has been broken by Pentagon Federal CR UN it is a breach of contract because Pentagon Federal CR UN did not honor that. I was taken advantage of and lied to by an employee of your establishment. 
Since this was determined based upon a recording this is a formal letter for this account to be completely deleted off of my credit report. 
Their improper procedures are highly damaging to my credit score. 
Please immediately delete these items. 

XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/6039XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA 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