vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XX/XX/XXXX Keep your Home California had approved to reinstate me. 

I had requested a re instatement quote from XXXX dated XX/XX/XXXX for the amount of {$52000.00} that was good thru XX/XX/XXXX. 

Keep your Home California requested their 's about 2-3 days later since they were ready to re instate and need to request there own. There re-instatement amount was {$72000.00}. 

How Is it that XXXX Provided Two Reinstatement Amounts within the same dates yet {$20000.00} more to keep Your home California Knowing that Keep Your Home California max re instatement assistance is {$54000.00}. 

I then contacted XXXX, which told me that they would accept the {$52000.00} from me if I made a payment in the {$52000.00} amount by XX/XX/XXXX but would not take that amount from Keep Your Home California. 

Keep Your Home California said they would pay the {$54000.00} if I could show proof that I paid the {$20000.00} difference which I was more than ready too. 

XXXX told me that they would not accept two separate payments, they would not accept {$54000.00} from Keep Your Home California and the {$20000.00} from me. 

XXXX changed the amount of the re instatement in order to proceed with the foreclosure, they refused to allow me to cure my past due amount. 

I just submitted a modification on XX/XX/XXXX and as of XX/XX/XXXX they have said it is a complete packet yet continue with foreclosure instead of putting it on hold to review application ( dual Tracking ). 

I have submitted several modification applications which have been denied. Now they are telling me my loan has no options available. When I ask why they are telling me they can not offer me a lower payment. I am not looking for a lower payment I could pay double the payment I have told them that since the beginning. 

why would a XXXX refuse to take the full reinstatement amount. why did XXXX not want to separate payments what reason do they have not accept money beside wrongful foreclosure. 

XXXX PHH have done everything to set me up to have no other option but to foreclose on my home because they know my home is in a desirable area and is worth more than what I owe them. they are attempting predatory foreclose on my home for there gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: PA

Complaint narrative:
Fraudulent account with XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have a student loan with HYUNDAI MOTOR FINANC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HYUNDAI MOTOR FINANC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and HYUNDAI MOTOR FINANC with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was  never 90 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
on XX/XX/2019 I received a letter stating that all of my accounts. ( More than 25 business checking accounts ) under the XXXX XXXX XXXX XXXX are being closed. They told me that i may not withdraw any funds from my online accounts to my checking accounts or my funds could be frozen and funds would be sent to an address on file ( which they did not clatify in the letter ). They stated that a check would be mailed by XX/XX/2019. I told them that the can not stop me from withdrawing into the checking accounts without giving the Corporation any notice whatsoever. I opened these accounts at the XXXX and XXXX XXXX  branch in new york and was never told about any issue from the bank manager of either branch. I have spoken to the branch and they were unaware of the letter that was sent to me and they advised me to call the XXXX number and that rep. told me that i can not withdraw to any of the accounts or they could all be frozen. we have funds in these accounts that can not be withdrawn without these bank accounts which were added to the online accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called my former apartment complex and was informed that they switched management companies and didnt have anything on file for me. I was advised to call the former management. I called XXXX and was told that they didnt have any information on file either. I moved out of XXXX XXXX apartments on or around XX/XX/2016. I paid the balance owed in full which was {$200.00} and did a full walkthrough with the then XXXX XXXX and was given a clean bill. When speaking with the collection agency, national credit systems, they said the balance is due to unpaid rent and damages, of which there are none. No one is able to provide proof of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: PA

Complaint narrative:
I have been in XXXX two times as XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the XXXX XXXX until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/Equifax/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the XXXX. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the XXXX. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to XXXX that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: PA

Complaint narrative:
I have been in USA two times as XXXX XXXX  ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to Experian/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my 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 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been in USA two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXX.During first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.Second trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within credit bureaus. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months, I found out information about credit reports/score/credit history. I log in to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint is about Citi bank account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ ( XXXX ). I have never applied for XXXX XXXX XXXX XXXX XXXX received and never use ANY of CITI credit cards. I physically lived in XXXX-it 's no way for me to used this card.

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 2019-04-23 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: CA

Complaint narrative:
I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: NY

Complaint narrative:
SOMEONE USED MY INFORMATION TO TAKE OUT A CAR LOAN IN MY NAME AND IT APPEARS FRAUDULENT ON MY CREDIT REPORT AND ITS PREVENTING ME FROM RECEIVING CREDIT. I CONTACTED THE COMPANY FOR REMOVAL OF FRAUDULENT ACCOUNT AND THEY REFUSE TO REMOVE THE ACCOUNT EVEN AFTER PROVIDING A FTC IDENTITY THEFT REPORT AND ALL DOCUMENTS NEEDED FOR ACCOUNT TO BE BLOCKED OR REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, I was in the middle of a two week stay on the island of XXXX XXXX XXXX in XXXX, during which I did not leave the island. That day, someone without my knowledge or permission somehow withdrew {$400.00} using my pin from an ATM over 30 miles away in the mainland town of XXXX. After reviewing my transactions, I noticed the amount missing and made a police report with local authorities after leaving the island. When I returned to the US, I  notified Bank of America as I could not reach them while overseas. 

BOA sent me a letter in XX/XX/XXXX denying my claim. When I called them, they said I needed to submit additional proof in the form of a police report in order to approve the claim. I provided the documentation provided to me by the local XXXX police. Once again, I was sent a letter denying my claim. This time when I called, they said the documentation still not good enough, and now needed proof that I was not in the vicinity where the withdrawal was made. I provided the XXXX receipt of my stay on XXXX XXXX XXXX, which they told me would be adequate. I again was sent a letter denying my claim. This time when I called, they said that because I was staying in the same country where the withdrawal was made, they would not approve the claim. Exasperated by this point, I told them that my next stop was the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
upon obtaining a home loan we found that there is an account open in our name that does not belong to us. we contacted XXXX XXXX and because the account is not in our name they will not help us in anyway. XXXX XXXX has reported this account to Experian and it is showing up on the credit report that we have this open account that is not ours. 
this is holding up our home loan. we need to show this account closed or removed from our credit report immediately or we can not close. 
XXXX XXXX account number listed on Experian credit report is XXXX. This account is in another persons name and needs to come off our credit report. XXXX XXXX is of no help at all. 

**account number XXXX opened XX/XX/1991 ( never been on previous credit reports ) with 0 balance. Loan opened with XXXX XXXX and reported to Experian. 
please see on attached page of credit report. **

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am being denied the right to rent an apartment due to a unverified debt from an apartment complex I lived in by the name of XXXX  XXXX almost 6 years ago. When I moved out at the time there was no apparent debt, then when I tried to move I was denied because they are on my credit report. I tried to call XXXX XXXXXXXX to find out what I actually owed the money for, and was told that the property was sold to another owner, and they had no record of the debt. I called National Credit who now owns the debt and they couldn't verify why I owed them {$430.00}. I have not agreed to this debt as of yet because no one knows why I owe this money. I never received any letter from the apartment stating I owed them prior to them selling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
The following complaint is about a requested loan for home improvements and how I was not allowed to close on the loan due to some required repairs. 

I have been a customer of Ditech for 11 years as they were my mortgage lender. My home was to be paid off this month and since my financial relationship with Ditech was in good standing, I decided to extend the relationship by requesting and applying for {$70000.00} for a home improvement loan on XX/XX/2019 with XXXX XXXX. The processing was going smoothly. A loan officer XXXX XXXX gave me the good news that my loan was conditionally approved on XX/XX/2019. An appraisal was scheduled for XX/XX/2019. The appraisal was completed by XXXX XXXX. After the appraisal was completed XXXX and I discussed the appraisal which noted several repairs such as, peeling and wood damage around the windows, the exterior doors, main bathroom ceiling, living room ceiling, kitchen ceiling, overhang over the front door and the area immediately to the left and the crawl space. XXXX stated that the repairs are required to be completed before Ditech could close on the loan. Prior to the appraisal I was under the impression that the appraisal was just to appraise the value of my home. There was absolutely no mention that the loan was contingent on the required repairs noted by XXXX XXXX. I replied that I was confused because I applied for a loan where the money I was borrowing would be used for home improvements like the repairs noted in the appraisal. She asked me to have a talk with XXXX XXXX the originator of the loan. On a phone call, XXXX advised me to borrow the money for the necessary repairs from someone or somewhere else in order to close on the loan. In his final email XXXX alerted me that they could not close on the loan until the repairs were made per the appraiser. 

My mortgage will be paid off by XXXX XXXX. I have since heard from XXXX about moving forward with the required repairs and the loan process. I told her that I was withdrawing my loan application and would look for another lender for my Cash Out Refinance loan.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2019, I called Equifax and asked to have a fraud alert removed on my credit report which I never requested be on my credit report. They did not remove the alert as I requested and also put a freeze on my credit report preventing me from applying for an auto loan and accessing information on my credit report. I called Equifax 7 times yesterday to try and resolve the matter and kept being told different information and then had 4 representatives accuse me of not being who i said I was. Because of this, I now have unfair inquiries on my credit report which has lowered my credit score for no reason because none of these creditors could even view my credit report and I was denied a loan unfairly. Equifax requested I mail highly confidential information such as my drivers license and my social security card to a PO Box or via fax in order to prove who I am and I am not comfortable sending this information by either source, as I already attempted to submit this information to them once and received no response or assistance. I need to have the freeze lifted from my credit report immediately and I never requested a fraud alert or a credit freeze. Equifax representatives refused to help me and provided the worst customer service I have ever experienced!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This information is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. There are multiple accounts showing the same account numbers.

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