vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 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: TX

Complaint narrative:
My Experian credit report is not pulling back any information, after having over 8 years of credit history. I 've talked to countless representatives who have only transferred or referred me to other departments who have not been able to resolve the issue. XXXX XXXX of 2017 was the last time I was able to view my credit score and report on the paid version of Experian.com. For the last two months I have been trying to review my information, look for changes or updates and the system will not refresh, even though it tells me there 's an update available. When calling, every representative tells me that my credit report is n't showing any information, then they ask me a series of questions that are not related to any of my account history. I was recently told- over 30 days ago, that I would receive a credit report so that I can review it for accuracy and they will resubmit my information into the system to pull a score. I am unsure what information they would be sending since they have previously advised me that I have no information in their system all of a sudden, and needless to say, I have yet to receive that report that I was promised. <P/>I would like my credit report fixed, reading accurate, and I want to be able to view my current score for free since I have previously paid for service that I have not been able to use.

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 2017-07-11 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: MN

Complaint narrative:
I have leased  a  XX/XX/XXXX    XXXX   XXXX   sin  ce  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of   XX/XX/XXXX  an d  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX and  XX/XX/XXXX that I am 30-59 days late. I also made two payments on my lease i n  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and   XXXX   reported me 3 0-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but de clined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.

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 2017-07-11 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: MN

Complaint narrative:
I have leased a   XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further. This is impacting my life. I have now had   XXXX   of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  ha s reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: MN

Complaint narrative:
I have leased a  XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of   XXXX    each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX   but declined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
On or about XX/XX/XXXX I pulled copies of my credit report and found an account listed with Bay Area Receivables for {$65.00} for XXXX XXXX XXXX. I have never been a patient at or sought the services of said company. I contacted the original creditor to inquire on this debt, only to be advised that they had no record of me ever being a patient and that I would need to resolve with the collection agency. I contacted Bay Area Receivables on XX/XX/XXXX and requested to know what this debt was and for proof. I was advised it was for a return check and was mailed a copy front and back of the check. Upon receipt of the requested items, it was very clear that the signature and writing of said check was not mine. I have disputed this debt only for Bay Area Receivables to continue reporting and stating debt is verified as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ASTORIA BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CA

Complaint narrative:
I initiated a 0 % balance transfer around XX/XX/XXXX and paid the fees for the use of the credit. From the beginning until XX/XX/XXXX, I was charged no interest. In XX/XX/XXXX A charge subject to 14.99 % interest totaling about {$27.00} was placed on the card, rightfully, which caused a minimum interest fee of XXXX cents. My minimum payment was about {$73.00}. I made a payment in XX/XX/XXXX of {$80.00} and a payment in XX/XX/XXXX of {$70.00} ( minimum payment went down to {$67.00} ), and then I made a payment XX/XX/XXXX, prior to the due date of XX/XX/XXXX totaling {$160.00}. Well above the minimum payment, and yet, I was still charged the XXXX cent minimum interest fee. There have been no other charges beyond the {$27.00} and my balance transfers are still 0 % and still within their term. <P/>I contacted the Citi XX/XX/XXXX to inquire about why I was still being charged interest and they told me that they charge interest on all balance transfer, s even 0 % offers, and they had no explanation as to why I had several bills with no interest charged until XX/XX/XXXX. <P/>My understanding is that credit companies are to apply amounts beyond a minimum payment to balances with the highest interest first. This does not appear to be happening.

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 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Have not received a monthly statement in the mail since XX/XX/XXXX. Talked with customer service on XX/XX/XXXX was told to send a e-mail to them requesting statements sent on a monthly bases. This I did. Called them again today XX/XX/XXXX to make sure they were going to send me statements. Person I talked with told me that my e-mail request was never given to whoever handles this, she told me quote " e-mail was left on desk, not delivered " and that " they are not required to send monthly statements in the mail ". Due to the lateness my account was charged a late fee and recorded with the credit bureau. I do not have this account registered on line, need a monthly statement to keep proof of my payments.

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 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mendelson Law Firm
State: MS

Complaint narrative:
How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.

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 2017-07-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I have been leasing  a 2016  Toyota  XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease . Currently Toyota is repo rting those month s as 30-59 days late. I have asked them to remove these credit markers and they have told me tha t they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA made a hard inquiry of my credit score. I  never requested it, it just showed up when I looked at my   XXXX   XXXX   report.   This hard inquiry was made  on  XX/XX/XXXX .    XXXX  This is not the first time it happens. CBNA made another hard inquiry  on  XX/XX/XXXX ,   again I never requested it authorized for them to run my credit.

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 2017-07-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My one month IRA CD at US bank matured X/XX/17. On maturity I had the money transferred to my Fidelity account, my financial mgr at Fidelity handled the transaction. After transfer, on XX/XX/XXXX I received a copy of the IRA Distribution Form and it stated that an administrative fee of {$30.00} has been deducted from my account. <P/>Today I called the bank to question this fee. The bank mgr told me that it is legal because it is in writing in small print on the US Bank notification form. I read the small print and in there only stated is a {$25.00} early withdrawal fee plus penalties. This does not pertain to me, I did not do an early withdrawal, my cd was transferred when matured. <P/>Therefore I think I should not be charged this fee.

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 2017-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully  foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
After granting my Lowes consumer credit card a limit of XXXX, I began repairs on a home that im remodeling. My intentions were to pay for labor with cash, and materials and supplies through my Lowes card. After purchasing approximately XXXX in supplies and materials, my credit limit was cut to barely over the balance owed. I have had my card for several years and was never late. <P/>I contacted Synchrony bank and without any reason was told there was nothing I could do, and this immediately caused the work to stop on the home i was remodeling and intending to sell. <P/>A couple weeks later my amazon limit was slashed from XXXX to XXXX, and today my wal mart card cut from XXXX to XXXX. <P/>Synchrony has tanked my credit score by maxing out my utilization so i cant even get a loan to finish the project. Not only is this bad business on the companies part but should be illegal.

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 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I had mailed on XX/XX/XXXX, in the amount of {$240.00}, for the house payment, without their statement and their envelope, which I had not received. Enclosed in the envelope was a note and my check number XXXX. Today, I called their call center and a XXXX indicated that my check has not been received and had the audacity to say that all of my correspondence keeps being returned from the Post Office, which is a lie! They offer no remorse. <P/>Here we go again, another game play from these people. This has been happening since, XX/XX/XXXX. No matter how nice I am to these people, they are always playing games. These employees are playing with my money and a possible foreclosure, due to their irresponsibility and failure to take action. <P/>Their business practices are not professional, nor compassionate. Their actions are not, as such, unprofessional. I have never received an apology for any of their negative comments, nor action to offer to assist me on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: MN

Complaint narrative:
I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those month s as 30-59 day s late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

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 2017-07-11 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: MN

Complaint narrative:
I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those months  as 30-59 days  late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?

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 2017-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.

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