vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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: DE

Complaint narrative:
I paid my outstanding balance in full as of XX/XX/18 and contacted XXXX XX/XX/XXXX after viewing my credit report. The transunion report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via Transunion. On XX/XX/XXXX I received notice from Transunion the dispute was complete and reviewed my credit report. The update submitted by XXXX indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted XXXX on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.

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 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a retroactive interest rate refund this past summer from Citibank annotating that my account 's high APR increase was identified as eligible for the rate reduction due to their review they do every six months pursuant to Regulation Z and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. My refund pertain to the high rate I was charged due to flaws ( so they say ) in their semi-annual APR review methodology and I was given credit for this from XX/XX/XXXX thru XX/XX/XXXX. Per Citibank, it also included an amount for foregone earnings on the excess interest charged. The letter continues with them stating that they have corrected the APR on my account. Upon receiving this letter ( via email ) and already receiving the refund, I immediately checked my account but as shown on my statements since XX/XX/XXXX, the APR had not been reduced, I am and have been since at 29.9 % APR. I immediately reached out to Citibank and explained what I have noticed and about my letter along with the refund. I was advised at that time that since I was on the list of refunds just recently reviewed and submitted, that it will take about 1 billing cycle for my account to show the lower APR and that I would also receive another refund based on this high amount still on my account on next review but to contact them if I do not receive my reduced APR. Well, I have been very patient and gave them over 1 billing cycle but still no reduced rate. Today, XX/XX/XXXX, I reached out to Citibank again. This time given basically the same line but this rep added that my account will need to go up to MGMT for review to see if I am able to obtain a lower APR. I explained to her, this is not what I was informed the first time and not what is stated in this letter ( via email ) I received in XXXX. So in turn, I said fine, keep sending it up for review and I will file a complaint because there is no reason for me to still receive the higher APR rate.

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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help

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 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were approved for a new roof & other home repairs by our insurance company. Due to the amount of the claim, the initial check had to be payable to us, the homeowners & Freedom Mortgage. When I contacted Freedom to make them aware of the claim, they provided incorrect information about the process and procedure. Now, for the past month we have submitted every required document to them ( including our endorsed check from insurance ), yet they will NOT release funds for us to pay our contractor to even schedule us or begin the work. They are holding our insurance funds hostage! We have provided them with our contract three times, the contractor 's W9, a waiver of lien, their license, as well as the insurance adjuster 's worksheet indicating all approved repairs. They are indicating that they will not release any funds until we ( the homeowners ) write them a letter accepting financial responsibility for the repairs above & beyond the amount of the check ... the insurance company is intentionally holding back {$5000.00} for residual depreciation ( which we are approved for ) to make sure the contractor completes the work as prescribed. Yet, Freedom refuses to understand basic insurance laws. We are in Florida in the middle of hurricane season & they have already delayed our repair by more than a month. At this point, they are unwilling to release any funds so we can not even schedule the repairs. They are demanding this letter from us, even though they admit that this is not a requirement per their documents or website.

Additionally, they claim IF/WHEN they release funds, they want to issue the entire amount payable to us and the contractor, yet I do not want to give a contractor thousands of dollars without them having even started the work! Freedom Mortgage is absolutely ridiculous!

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 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We received a notice at our rental property in XXXX, North Carolina that we were late on our loan and needed to call immediately to address the situation. The notice stated that they were the Mortgage company Mr. Cooper ( or NStar ). I called the number and they have set up a false answering service that mimics the actual Mr. Cooper phone service exactly. Our loan is through a different company, so that is what tipped us off that this was a scam. The phone number they left us is XXXX. The fake loan number they gave to me when I called is # XXXX. I contacted the actual Mr. Cooper and they verified that it was a fake loan number and that the number was not their customer service number. The scammers have clearly put some time into this fraud and Im hoping someone can investigate and stop them from hurting anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX we moved from our home in XXXX to XXXX. We still own the home in XXXX and planned to use the home as a rental property.On XX/XX/XXXX our our homeowners insurance was canceled by XXXX XXXX XXXX. At that time we, the homeowners were never informed, but Mr. Cooper home Loans the lender for our mortgage was informed but failed to let us know. In XX/XX/XXXX, when our homeowners insurance was up for renewal we were informed of the cancelation in XX/XX/XXXX. In XX/XX/XXXX, Mr Cooper informed us since our policy lapsed we would need to purchase insurance to cover  XX/XX/XXXX through XX/XX/XXXX. I attempted to do so but was informed by my insurance agent that it is against the law to back date a policy and provide a policy for coverage that they did not provide. I informed Mr. Cooper of this and was told that they would then take out a policy in my name through their company to cover the lapse in coverage. They just sent me a new homeowners policy costing {$1200.00} and stated I would have to pay for this policy which has been purchased without my consent and would be back dated to cover XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX  ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened up a Citibank checking and savings account under a promotional period. The promotion stated that I fund the accounts with {$15000.00} of " new to Citibank '' money and maintain the balance for 60 days. At the conclusion of the 60 days I would receive a deposit of {$400.00}. Opened a Citibank checking and savings acct on XX/XX/XXXX. 
Funded it with {$15000.00} on XX/XX/XXXX. Called mid XXXX to see where to promotional deposit was and was told that it was 60 days of having funds in the acct plus the additional 90 days of processing to see the promotional deposit. Called XX/XX/XXXX and was told that the XXXX XXXX holiday on Monday pushed the distribution by a few days and that I would see the money by XX/XX/XXXX. Called XX/XX/XXXX since I have yet to see the promotional money and now am being told that my acct does not show any sort of a promotion attached to it. Investigation was started on the XXXX and called XX/XX/XXXX to follow up and was hung up on.

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 2018-10-17 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: MI

Complaint narrative:
On XX/XX/2018 I mailed reinsertion letters to XXXX, Equifax & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, Equifax & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MI

Complaint narrative:
On XX/XX/2018 I mailed reinsertion letters to Experian, XXXX & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to Experian, 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 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been trying for over three years to resolve my situation with Citimortgage. I requested a shortsale 3 years ago. I have lost 3 buyers and now Citimortgage is countering an offer on a short sale property that is XXXX more than what was required 3 months ago with another buyer. I think they are trying to deny the offer and force this home into foreclosure.

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 2018-10-17 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: SC

Complaint narrative:
I sent requests to update my address information on XX/XX/2018 and XX/XX/2018 as follows : The only addresses that relate to my past 7 years of residence is : 1. XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Also the name listed with the middle initial " XXXX   '' as XXXX XXXX XXXX. My middle initial is " XXXX '' and I have provided State and Government ID to prove this information, but it continues to appear on my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

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 2018-10-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the second time Chase ( Sapphire Preferred ) is refusing to look into a charge dispute. They claim they sent me a letter asking for more details but they never did. The person that is handling " my inquiry '' as they call it, is never available as I have called at least 5 times and gotten a voicemail. I called the general disputes line and talked to an extremely rude person that only asked if I entered the movie theatre. When I said yes, but the reserved seat I paid for was double booked and I didn't have a seat, she said there was nothing she could do to help. I asked to be escalated and someone pretending to be her manager said that since I technically was allowed into the movie theatre, there was nothing they could do despite the fact that there were no seats available. I offered to provide pictures of the trash in all of the available seats in the front that was provided to me as a " back-up '' option, but they refused. I was not able to watch the movie for which I paid a premier price.

I paid for premier reserved seating and did not get that from the merchant and explained all of the details over and over, but they kept saying that because I entered the theatre, that I received my services.

This is a pattern with Chase as the only other dispute I filed with them last year was not addressed whatsoever. 
The date of the service I paid for was XX/XX/2018 for {$44.00} for 2 premier movie seats. I finally made contact with a Chase call center ( not my dispute representative ) today, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I have a student loan that is part of the Public Service Loan Forgiveness Plan. I previously had my loan managed by two other servicers. I consolidated my loans into a Direct Loan almost ten years ago. I had to defer payment for a while, but then was in an income based repayment plan for at least the past five years with payments made either on time or within the 15 days of due date for them to count towards PSLF. When XXXX XXXX XXXX took over I heard that they were certifying employment and taking over. I sent in my paperwork. Within approximately 2 months my loan was transferred. My loans continually showed 0 payments as counting towards PSLF. I called and asked why. The rep told me it was because they didn't have the records from the two previous servicers. They told me to call back in a few months. I called back at 6 months and they still didn't have them. I kept checking my loans and saw that it said I had made 4 on one and 5 on the other that counted. I called back upset. The rep said they had received my records ands that all that counted. I asked why. She said I wasn't in the right repayment plan previously. I was in the IBR plan until the repaye plan began and switched over. Those should count. I asked what plan it said I was in. She couldn't tell me. I was very upset at this point. I asked for a letter explaining this to me. She said she would resubmit to have my payments recounted. I called back two days letter because I had been so upset and wanted to confirm all the information. The new rep said that no, my previous servicer info had never been received. That they were going to get it and recount my payments. I have not received any direct communication with them other than my eletronic bills. Who ever " counts '' the payments has never contacted me. I just keep getting told they don't have the information. The information has to exist somewhere of what my loan repayment status was and how much I have paid. It is extremely upsetting that I don't have direct access to my records anymore because they have been transferred to one servicer after another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a mortgage account with XXXX XXXX that was removed in error by XXXX  and Transunion. I would like for this account to be added to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a mortgage account with XXXX XXXX that was removed in error by Equifax and XXXX. I would like for this account to be added to my credit report.

Company response to consumer: Closed with non-monetary relief