vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 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: CA

Complaint narrative:
We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number.

And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX 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 non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA

Complaint narrative:
Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
NAVIENT raised my payment and its too high. I signed up for Income Dependent Repayment, and the raised my payment amount. Also they claim there are unpaid fees, that I was n't aware of. Because they never told me about any fees. Also the loans originated at XXXX, NAVIENT has all personal information, they got, it, with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I called and canceled my XXXX services XX/XX/XXXX. As per their policy they sent me a box to return all of their items in. I fully packed the one large box they sent with each and every item I had ever received of theirs. I then took this box to work and had my daily XXXX driver take it. About one month later I started receiving the harassing phone calls from XXXX claiming I did not return all of their items. I did. Many phone calls, some of which were heated, ensued. They continued to harass me at home and at work until in XX/XX/XXXX I started receiving phone calls from a debt collector regarding this matter. Credence Resource Management LLC is the debt collector. They are attempting to collect {$190.00}. I do not owe XXXX or this debt collector one penny! I returned each and every item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NY

Complaint narrative:
On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was a resident of XXXX Apartments from XX/XX/XXXX until XX/XX/XXXX. Once I moved out the apartment complex charged me XXXX for repairs they said they had to make, which was untrue. This debt has been forwarded to the collection agency Pro collect. I spoke with them about this debt and explained that I did n't owe this amount because I left the apartment clean. They were not interested they said I owed the amount. I then filed a complaint with the XXXX apartment association and they investigated the matter. They found that I did not owe this amount and the apartment complex did n't have any pictures or proof of said damages. They found that I only owed XXXX dollars and some change for normal wear and tear. The property management company XXXX also received a copy of the findings. However they refused to accept a payment from me and the collection agency is reporting this on my credit every 90 days or so. The last reporting was XX/XX/XXXX. I have sent them Pro Collect collection agency a copy of the email I received from the XXXX apartment association including the correct amount owed. They have chosen to ignore it. As a matter of fact XXXX XXXX the collection agent in charge of my account hung up in my face and refused to take my calls. They know they are reporting a lie I have sent them the evidence. I have also filed disputes with XXXX and XXXX  regarding this matter.

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 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right 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 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: MA

Complaint narrative:
Perfection Collection for the amount of {$2100.00}, I have sent Perfection Collection a Debt Validation and they have not responded. I have no knowledge of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.

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 2017-12-18 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: LoanCare, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX our loan was transferred to Loancare. Apparently only my wife 's old work number was the only information that was transferred ( I found this out after I called about the bank draft non payments ). When I found out about my bank draft not occurring, I called my previous servicing company and was informed the loan was transferred. When I called the loancare the first time, I paid the full balance and was told the autodraft should be set up. Several months later, I realized the payment was still not occurring. I called immediately and made full payment and was correctly told by the associate that I needed to set up the auto draft myself. I did this immediately and now it 's all setup and working. The reason this is so time sensitive is because we are in the process of buying a new home and my credit score decreased significantly because of the late payments. We have never had a late payment in the 9 years prior to the loan transfer. This should not be an issue of us being at risk borrowers.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have to have annual XXXX XXXX performed at XXXX XXXX XXXX XXXX. 
I am billed directly by XXXX XXXX and pay promptly each time. Since XXXX 2017 I have been harassed by a local attorney 's office that claims I owe {$12.00} to XXXX XXXX. 
I have called the law office and explained I do not owe anything and this is paid in full, provided proof of payment and even had XXXX XXXX XXXX partner XXXX XXXX 's hospital where the XXXX is done verify that I do not owe anything. XXXX XXXX 's has even provided me with a a letter saying my account is current and in good standing - which I have sent to this law firm as well. 
They simply do n't stop. 
So I am filing complaints here, and with the BBB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. 
Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. 
I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. 

I left a message today to XXXX XXXX wanting to cancel because according to their legal documents, I can cancel on the closing disclosure ... One of my closing disclosures on myloandepot.com account is dated today XX/XX/XXXX. So I should be able to cancel it. XXXX XXXX responded on a voice mail that I can not cancel because the document I signed it 's a legal binding document. 
IF it is a legal binding document then IT IS ILLEGAL TO CHANGE EVERYTHING AFTER I SIGNED IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.

Company response to consumer: Closed with explanation