vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.

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 2017-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME. 

Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already. 

I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX. 

FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT. 

SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT. 

I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS. 

AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.

YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP. 

CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CA

Complaint narrative:
All your information is incorrect, Inaccurate, or false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code -  XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX. 

As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account. 

I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them. 

Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.

Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.

Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till 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 explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JMAC LENDING INCORPORATED
State: CO

Complaint narrative:
We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CA

Complaint narrative:
All your information is incorrect, Inaccurate, or false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CA

Complaint narrative:
All your information is incorrect, Inaccurate, or false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kross, Lieberman & Stone, Inc.
State: TX

Complaint narrative:
I placed an order for a rifle scope on XXXX XXXX for {$1600.00}. XXXX XXXX shipped me a much cheaper scope than the one that I ordered. I made a return request for incorrect merchandise received and my return request was approved. I was advised that I would be refunded once the scope was received. The scope was received by XXXX XXXX according to the return tracking and I was never refunded. I disputed the charge with my credit card company as returned merchandise and I won that dispute. At this point XXXX XXXX set up a collections account with Kross Lieberman and Stone for {$1600.00}. This is a debt that I do not owe. 

I disputed the debt through the three major credit bureaus. I continued to receive harassing phone calls from Kross Lieberman and Stone, and received threats of lawsuits and threats of damage to my credit score. The collections account was ultimately reported on my credit report and has significantly damaged my credit score for nearly a year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
There is a hard credit inquiry on my credit report that I never applied for. 
For : XXXX XXXX, 2017 Company CBNAXXXX National credit cards/ airlines CBNAXXXX XXXX, TN 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 2017-11-20 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: NY

Complaint narrative:
Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXXX XXXX XXXX XXXX dollars monthly to relieve my debts. 

I attached the 2 pages of the Credit Report and the letter I received from CFBP. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hi, There are XXXX hard inquiries on my XXXX credit report from Chase Bank. I have not and would not apply for a credit card from this company or any other company, expressly knowing that my credit score is very poor and therefore I would not get approved for a credit card. I feel that this is due to Identity Theft of some sort. There is also an address on XXXX XXXX that I have never lived on. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I applied for a NEW Blue Cash Preferred account using a promotion that XXXX offered. I received an email from American Express confirming receipt of application and then spoke to a representative. She assured me that although I had a Blue Cash Everyday, since I never had a PREFERRED account I am eligible and will receive these incentives ( a ) no {$95.00} fee the first year ( b ) {$200.00} after spending {$1000.00}. 
I have many other XXXX credit cards and had I not been assured of this I would not have opened this account.Nevertheless, I was charged the {$95.00} fee and see no evidence of the {$200.00} bonus. 
I spoke to a representative today who claims that I am not entitled to these. 
Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MD

Complaint narrative:
I spoke with Employee ID # XXXX regarding a public service student loan forgiveness certification received dated XX/XX/XXXX with an estimated discharge dates ( XX/XX/XXXX - XX/XX/XXXX). I informed the employee that my correspondence dated XX/XX/XXXX states estimated student loan forgiveness ( XX/XX/XXXX - XX/XX/XXXX). Upon further investigation I learned that 12 payments were not credited towards student loan forgiveness due to an administrative error were overpayments reduced the statement due balance sent the following months. When paying the statement balances, these payments were not credited toward student loan forgiveness even though I paid the amount of the monthly statement as required ( see student loan payments highlighted in Red for details ). These administrative errors and miscommunication presents an economic hardship and it 's not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.

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