vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During the XXXX quarter of XXXX I began attempting obtaining a loan modification from Citimortgage due to the fact that XX/XX/XXXX marked the end point of ten year term of the HELOQ I  entered into on XX/XX/XXXX. After over a year of being juggled between about 6 agents I finally was assigned to a gentleman named XXXX XXXX. He submitted all my documentation to underwriters and received a wonerful loan mod represented verbally by Citimortgage of a 2 % fixed loan with a 40 year term, " however '' when I received the loan docs to sign it changed from 2 % @ 40 year to 2 % @ 30 years which increased the monthly obligation approx. 50 % from $ XXXX to $ XXXX. I called Citimortage and was informed " there is no record or evidence '' of the 2 % / 40 year term modified note and furthermore my application for a loan mod was being rejected after I informed Citibmortage that they were/are in 3rd position on my property which prior to me notifying them they were unaware of. 
I held the inaccurate belief me informing Citimortgage of their true position being 3rd " may '' provide them more motivation to work with me to resolve this matter. 

I filed another complaint with the CFPB after being sumarily rejected. 

In an explanation letter dated XX/XX/XXXX from Citimortage it was stated that " Upon receiving your request, we immediately reviewed your HELOC account. Please note that we found no evidence of an additional lien existing when your HELOC account originated in XX/XX/XXXX ''. 
This explanation written to me by a Citimortage " letter writer '' was shocking to read. 
I was charged for and paid for a title search in the original documents dated XX/XX/XXXX. 
I could only think of two possible questions which I consider insulting, " Did you look? 
" Did you ask me ''? No and NO. 
Citimortgage did not look at the title search results they charged me which I paid for, or they never ordered the title search. 
My health has been declining the entire time I have been forced to deal with Citimortage, being juggled between agents, being told acceptable terms to modify the equity line then receiving final papers which did not reflect what was agreed to prior to receiving the docs. Reading how they found no evidence of another lein on my house? 
This entire matter has taken an extreme toll on me. 
It is extremely upsetting to be on the receiving end of Citimortgage 's blatant attempts at making me pay for THEIR " un-intentional '' errors. 
It appears in black and white in the disclosure doc I was charged for a title search in one of the attached documents. 
It was intelectually insulting when I read " we found no evidence of another lein ''!

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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. 

I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: HI

Complaint narrative:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help. 

Actually, I got a letter from collection company 'Transworld System Inc. '. 
This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories. 

I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX. 

so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history. 

I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is showing up on XXXX and Equifax. I have attempted to contact XXXX XXXX XXXX XXXX and XXXX XXXX, and all I got back from them was " Fill out this form '' which I did and submit it. After that, it showed up on another credit reporting agency, bringing my credit score down when I am trying to buy a car. I asked my loan officer and she said, " Fill out the form again. I don't handle disputes. '' How's that for customer service??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/2018 Consumer Financial Protection Bureau Good afternoon : This afternoon I received an email ( see above ) from Experian informing me that my credit rating has decreased by 42 points. 

What I find troubling is that the change occurred 2 days after my husband spoke with a CFPB representative about a file our states banking department had forwarded to you, that generated a new complaint number ( XXXX ). ( The original CN is : XXXX ). 

Moreover, as their website shows ( copy attached ), my score has been increasing for I have increased the amount I have been paying, which made me suspicious that the decrease has more to do with my earlier complaint against them. 

Just so you know, the message on the customer service no XXXX only allows 2 choices both of which does not offer any option for assistance. 

In short that XXXX number is not really for customer service but an attempt to give the impression that they have one. 

Thank you for reading this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
They ran an add on XXXX about loans to help people start to improve their credit. In fact it seems they are out to extort me.they said that give me a {$500.00} loan with a low interest rate, payments of {$42.00} q month. In the coarse of doing that They coerce me into money lion plus club as part of a way to get help. Now they have tacked on a {$79.00} payment This I can't afford I told this, and drop this so call {$79.00} service They then told the only way I could was to pay off loan in full. I can't do that This could end up leading me into BK.I 'm XXXX years old. to old to recover from this

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 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The company name is Santander auto loan .Due to I stay w out job I call and also went to XXXX XXXX in Person to to try to lower the payment and they said no Santander is part of XXXX I call voluntarily Santander to come and get the car is been almost 8 still on my credit also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
They are calling from multiple numbers, A minimum of 5 times daily up to 12 times in a day. Their automated system states I have until XX/XX/XXXX to pay in full, but charges have been released to a collection company. I advised them that the amount and frequency of calls is harassment and needs to stop, do not call again. They told me if I paid my bills they wouldn't be calling. List of numbers used to call me below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 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: GA

Complaint narrative:
In XX/XX/XXXX, an additional charge of {$1200.00} was added to my monthly bill. I immediately contacted the lender. They stated that it was not correct and would fix the issue. I continued to get collection phone calls and email. I called the lender again after 3 weeks because my account was still showing passed due. Again, the customer service representative assure me that the issue was being resolved. I have submitted emails to the lender via there website twice with no reply. I am now receiving correspondence in the mail threatening to place my loan in default, garnish wages and taxes and report me to all three credit monitors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
THE COLLECTION AGENCY PLACED A COLLECTION ON MY ACCOUNT ( XXXX ). AN THE ACCOUNT WAS PLACED ON THE REPORT AND NO INFORMATION WAS GIVEN ON THE ACCOUNT. THE INFORMATION LISTED WAS INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with me.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I don't remember submitting a credit application for PayPal credit and had clicked to cancel the advertisement and closed out the webpage. I still somehow got approved for credit I don't want with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

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 2018-04-02 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: FL

Complaint narrative:
I began disputing these items with Trans Union, XXXX and XXXX beginning on XX/XX/XXXX. I sent follow up letters onXX/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 believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
Received a phone call from XXXX XXXX XXXX XXXX Collection Agency re : an account for Bureaus Investment Group Portfolio No 15, LLC for Merchant Credit Card @ XXXX ( Last 4 Digits on card- XXXX ). Fast # XXXX and balance is {$830.00}. After I explain to the representative that I am a victim of identity theft and have NEVER applied for or open a charge card w/XXXX XXXX. He took my information and sent me a FRAUD PACKET and details regarding the fraudulent charges. I filled out affidavit and provided all requested detail : police report, current gov't id ( license ), etc. 
Again, the card and charges are not mine, and I would like the account flagged as fraudulent and my name cleared. Also, this credit should be CLOSED OUT w/XXXX XXXX AND FLAG AS IDENTITY THEFT. 

Note, the address for statement states XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX - I have NEVER lived in Arizona ( See attachment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

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