vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I refer you to a previous complaint XXXX XXXX which is closed. XXXX from DiTech informed me that I would be reinstated into the HAMP program. I was not and am now in foreclosure. 
History : I recieved a modification from Green Tree in XX/XX/XXXX. After I signed the permananet modification, Green Tree raised my mortgage amount to my original payment without notice. The agreed upon payment I made was placed into a suspension account. GreenTree did not give me a reason. They said if I didnt make the increased payment I would be thown into the street by the sheriff. I did not make the increased payments since the payment was not the agreed to amount. I requested a HAMP modification. Ditech offered me a HAMP. Although I agreed to automatic withdrawals, Ditech did not debit the funds. When I would call to inquire, they advised me they could process my payment but it would cost {$12.00}, which I paid. I made another 8 payments waiting for a permanent modification agreement. In XX/XX/XXXX I recieved a " trial modification letter '' dated XX/XX/XXXX. I did not sign the permanent XXXX upon the advice of XXXX from XXXX who was investigating. In XX/XX/XXXX I signed the HAMP. Almost immediately I received a letter raisng my mortgage by $ XXXX/mo. I made one payment. I am now in foreclosure.

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 2019-03-29 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:
I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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:
I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.

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 2019-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Submitted Equifax dispute, confirmation number : XXXX Was informed the dispute would be resolved by XX/XX/XXXX. 
Now, after checking almost daily for a month for the results online, I am no longer able to check the status online as Equifax claims my information does not match their file online. 

I called and spoke to an outsourced Equifax customer service representative on XX/XX/XXXX and was able to get verbal confirmation that the credit dispute had been completed, but I am unable to get written confirmation that the disputed item has been resolved. During this conversation the customer service rep reported he believed my address was listed in error and tried to update it, which I believe he input incorrectly and I did not receive a confirmation email of this change either. 

Today, XX/XX/XXXX, I have tried to request my Equifax credit report to verify that the item in dispute was updated or deleted, and my online request was denied both when utilizing XXXX and equifax.comXXXXXXXX and I am unsure if it is related to this customer service representative 's change of my information or for an unrelated reason. 

I am unable to get a human being on the phone who can help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
ON XX/XX/XXXX I REC 'D EMAIL STATING I AM LATE ON MY CREDIT CARD PAYMENT. I CALLED CREDIT CARD COMPANY AND THEY SAID IT WAS MEMBERSHIP OF {$19.00} A YEAR AND NOW ITS DOUBLED BECAUSE IT WAS NOT PAID ON TIME. I SAID CARD WAS CANCELLED LAST YEAR AND THIS CARD HAS NEVER BEEN USED AND WAS NEVER ACTIVATED SO HOW CAN YOU SAY I AM LATE AND IT IS REPORTED TO CREDIT BUREAU AGENCY. THEY KEPT HARASSING ME TO MAKE A PAYMENT AND THEN THEY WILL CLOSE MY ACCOUNT. I SAID I HAD REQUESTED TO CAPITAL ONE LAST YEAR TO CLOSE MY ACCOUNT AND THIS CARDS WERE NEVER ACTIVATED. ( AND I DON'T EVEN HAVE THEM AFTER LAST YEAR I CLOSED THE ACCOUNT ) THEY SAID THEN IT WILL TOWARDS YOUR CREDIT AND IMPACT NEGATIVE.I DONT MIND PAYING THEM BUT THIS IS NOT FAIR TO CUSTOMER THAT THEY CLOSE THE ACCOUNT AND NOW THEY SAID I NEVER CANCEL MEMBERSHIP SO THEY REPORTED MY LATE PAYMENT TO CREDIT BUREAU AGENCIES.PLEASE HELP I PAY ALL MY BILLS FIRST BEFORE I EAT. WE HAVE GOOD CREDIT AND THIS PEOPLE ( CAPITAL ONE ) IS TRYING TO RUIN MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I just discovered on my Citi issued Best Buy credit card that I have been paying for a debt security program for I don't even know how long. Total cost to me has been hovering around $ 80/month and I don't know how long it has been this way. I am attempting to reach out to Best Buy and Citi now to rectify the situation, but I have not heard back yet.

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 2019-03-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I made purchase for three different items on XXXX for {$100.00} When I received the first item it didn't look as website stated. I request a label to send it back. The 2nd item came the next day and it was defective. I follow the details to contact XXXX for this return. I was not able to contact XXXX so I contact XXXX, since I used my XXXX credit account. On XX/XX/XXXX I spoke with young lady that open a disputed. I ask her if I should send back the first item ( ring ) since I got the go a head for that. I also told I did not received the 3rd item and no longer want it. Since I am already having a problem contacting XXXX. She advised to hold on to all item ( when I received 3rd items as well ) until XXXX contact me. After that I heard nothing. I called XXXX on XX/XX/XXXX since then I have been contacting XXXX and keep getting different information each agent I speak to. I received a email on XX/XX/XXXX that I missed sending additional info. When I call I found out I was sent an email. I check my junk mail found an email. I advised the agent I have been in contact and no one ever said before that I was sent an email. After this process I send pictures. The case got closed when began another process. I was later able to send back the items and got a refund for the shipping cost. on XX/XX/XXXX I got a credit for {$53.00} which is not my full refund. I contact XXXX and I am getting no where. Based on my experience. I call XXXX and their agents tell you anything just to get you off the phone. They don't listen very well, you have to keep repeating yourself and when it's to where you are on the same page, they transfer you and you have explain and try to bring them to what you are calling about. They again tell you anything to get you off phone. A XXXX is never available. Today XX/XX/XXXX I told agent XXXX from the XXXX that I want to speak to XXXX she state none was available when I insist. She assured me one would call me back in 30 minutes. She confirm my phone number, but know has called me back yet which is more than hour now.

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 2019-03-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that Experian XXXX   and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.

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 2019-03-29 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I applied for a mortgage with WellsFargo on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager Wells Fargo Home Mortgage Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).

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 2019-03-29 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX is listed on my credit report as " Charge off '' and still reporting a balance of {$410.00} when they have turned it over to collections also ( invoice attached ). I will attach the Negative and false entries from XXXX XXXX and XXXX. It is showing a utilization of 139 %. I will also attach the collection letter from the collection agency that is also wanting to collect. 

In the comment sections of my credit report, XXXX XXXX does not show that they have turned it over to collections, when in fact they have. I have XXXX XXXX trying to collect from me, and I also have XXXX XXXX ( Collection Agency ) trying to collect from me. All of this information on my report from XXXX XXXX is erroneous, and I would like it deleted. I will also attach my certified letter sent I sent to them. Tracking Number XXXX. 

I would like this incorrect item deleted from all three of my credit reports.

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 2019-03-29 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: MI

Complaint narrative:
I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that XXXX  Transunion and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.

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 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
on XX/XX/XXXX I authorized the Internal Revenue Service to make an electronic deposit of my tax refund for {$4900.00}. corresponding to my tax year XXXX. When I asked the bank if the refund was deposit they told me that no deposit had been made by the IRS at that time, XXXX XXXX. I continued asking for the money and the banker told me that the deposit did not appear on the screen of the bank. Wells fargo bank has denied my payment since and the amount of my deposit refund does not appear on my monthly statement.

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 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
We acknowledge that we owe this company money and that we are a Month behind. They call repeatedly throughout the day expecting a different answer and as a harassment technique meant to bully us into giving them money we obviously dont have. They are also calling my work number and I can not receive calls at work and they have been told this multiple times. Yet they persist. This is harassment pure and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This is a new loan that was originally w XXXX XXXX. It was sold to PNC. I made the first payment to XXXX XXXX I paid an additional {$800.00} + above my payment amount which was to be applied to principal. XXXX XXXX  made 2+ months payments charging me double interest. I called them explained my intention was to apply all to principal not to pay multiple months. They corrected the payment and the loan was sold to PNC. PNC is not giving me credit for the $ XXXX For reasons unknown to me. I began contacting them the first week of XXXX by phone, and email. I keep being told its under review. It has been almost 2 months since the payment in question was made. I dont know what to do ; but I do know what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a father of XXXX who recently lost his wife and got behind on my mortgage. I had a payment plan with Wells Fargo home preservation who asked me to make three consecutive on-time payments of which I made two and was unable to pay the third because of insufficient funds do to other payments that went through at the same time. I tried to get another payment plan I sent Wells Fargo all the information they requested and they told me they could not find me a plan. 13 years of mortgage payments made on time and because of one bad year Wells Fargo is trying to foreclose on my property

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 2019-03-29 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: CT

Complaint narrative:
I applied for a mortgage with XXXX on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager XXXX XXXX XXXX XXXX Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX Home Mortgage Consultant NMLSR ID XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I took out a money lion {$500.00} loan in which they force you to be a money lion plus member which takes XXXX out of each pay check and puts that into an investment account. Once you have paid the loan off you are able to cancel the money lion plus account and decide what you want to do with your investment account. I paid the money lion loan off in XXXX, canceled my plus account, liquidated my investment account and they were going to deposit the proceeds from it in my XXXX XXXX account. The sum of $ XXXX. The issue is I have now called them 3 times to figure out where my funds have went. They claim to have sent the payment via ACH on XX/XX/XXXX and say it should be deposited. I have verified the bank account number they sent it to as well as the routing number the last 2 times I called which includes today. They state they don't know where they money is now. They need to deposit my money immediately.

Company response to consumer: Closed with explanation