vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the victim of identity theft in XX/XX/2018. I placed 90 day fraud alerts at all three credit reporting agencies. I then attempted to place credit freezes at all three credit reporting agencies. With XXXX and XXXX  there was no problem and they allowed me to set the freeze and obtain a pin. With Experian after multiple attempts to do online freeze I have been unsuccessful. So I complied with request to send ALL of my personal data through the mail to them. That was 7 weeks ago and I have heard nothing from them. I have attempted to call them at all listed numbers but after going through their phone tree and giving my name, address, SS #, age, etc I am told they can not help me on the phone. I am not sure what to do or who to contact. I need this credit freeze placed but seem to be blocked from doing so by Experian. Their refusal to allow any contact with consumers seems quite abusive given that they have all of our information and huge control over our lives without our express consent. I am asking you to help me find a way to obtain the freeze with Experian. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 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:
In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to dispute XXXX XXXX over and over again. TransUnion have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I tried to dispute ComminWealth Finance over and over again. XXXX   have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank retirement services in XX/XX/2018 asking them if there were any fees in transferring my traditional IRA to an IRA with another institution. I gave my account number and all information. I was told that if the other institution requests the transfer with my consent there would be no fees. 
I was told to go into the branch to fill out the forms. 
I went into the Citibank on XXXX XXXX branch and asked again about the fees and was told there weren't any as long as they were not writing the check out to me and another institution was doing the transfer. I got the paper work and filled out the paper work and sent to XXXX the institution I was transferring the IRA to. 
I then receive proof of transfer from Citibank retirement services and there is a {$75.00} dollar charge. The transfer was done on XX/XX/2018. It is not stated if it was a wire transfer or check, but filled in the account numbers to my understanding it would be a wire transfer. 
I called Citibank retirement services on XX/XX/18 XXXX pm and spoke with the supervisor asking him to reverse the charges since there was no where online stating this {$75.00} dollar fee and I had called Citibank retirement services and went into the bank both times told there were no charges. The supervisor kept talking over me saying they had to send a check to the other institution and that's why. He also kept saying how there was no minimum to have an IRA with them. Ridiculous answer. There is no fee in most institutions for an IRA. I am giving you my business and depositing money. Outrageous attitude for a manager or a retirement plan. What does this have to do with me?? I transferred one traditional IRA to another and had the other institution handle this. Citibank didn't notify regarding the fee. Their customer service workers were unknowledgeable both over the phone and at the branch. Not a place I want holding my IRA. This is fraud pure and simple and this institution wasn't forth coming. I will be contacting an attorney and suing for damages. I should not have to pay this fee. If this was something that was sent in my welcome package 20 years ago this is still no excuse since my expectation is that when I call I will be told the information I need. They are also constantly changing polices. I should not be accountable for this fee and it should be reversed. I would also never open another IRA with this bank nor recommend anyone else to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
we asked Wells Fargo Bank to see if they could work with us on a mortgage modification while we passed some hard times, after hurricane Harvey.  They agreed. We started to send all information, they called back and we send them more, and more.By then we were 2 months, and other Wells Fargo persons started calling. Meanwhile the other people still kept asking for mire info, I sat with one and we went over 2 months, explaining in detail how money was spend and were it came from. Still they keep asking to resend more paper work, but will not say will help or not. We believe that Wells Fargo is not acting in good faith. 














































-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I applied for a mortgage through XXXX XXXX XXXX. On XX/XX/2018, the bank was able to pull my credit report from XXXX and XXXX  but they were unable to pull a report from Equifax. I called Equifax and they told me there was no record of my account existing. I explained to them that the same bank was able to pull a credit report on or around XX/XX/2018. They tried searching my account by my maiden name as well as my married name but they were still unable to locate my file. I also explained that I had previously been approved for a mortgage back in XX/XX/2018. A supervisor at Equifax said that I would have to type a letter and fax it along with a copy of my Driver ID and a copy of my Social Security card and the issue would be looked into within 48 hrs. When I  relayed this information back to XXXX XXXX, they told me that I should not fax them my social security card due to the security risks that may lead to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX  A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. 

The loan was paid off in XX/XX/XXXX when we refinanced through XXXX   XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. 

I have contacted XXXX  XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. 

I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I am part of the hundreds of customers that were denied a home loan modification by Wells Fargo in XX/XX/XXXX-XX/XX/XXXX when experienced financial distress due to employer furloughs and other financial reasons. I sent loan modification packages to Wells Fargo for 2 years and then, due to the loan modification denials, I was forced to short sale my home. 
Since a few months ago I have been in contact with Wells Fargo and they say that their " computer glitch '' did not affect their calculations and that my case is not elegible for financial compensation. 
I believe they are wrong and that my case needs to be investigated by an independent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had a Cash Rewards card from Suntrust Bank. I used it for a year or two.  And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX  report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees. 

I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX bought my XXXX XXXX Debt. They sent the initial letters to the wrong address and I did not get a chance to dispute prior to being placed on my credit report. 
Also this collection reports as an installment loan on at least one of the reporting agencies XXXX  as an installment loan. 

Please refer to complaint XXXX XXXX received complaint XX/XX/2018 Many other complaints such as mine were similar. 
This is not a installment loan Credit collection and not a loan. I paid monthly reporting as a loan is incorrect. I am requesting close with non-monetary relief no valid letter given to right address. This has caused much distress and hardship for me by not sending the validation letter to the right address, reporting as an installment loan to at least one of my creditors has greatly affected my score, as well as reporting monthly negatively on all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter has been denying my several requests for copies of my contract signed with them for my XXXX XXXX XXXX, they have purposely lied to me regarding the legal rights of the second cosigner on the car claiming that she was a " cosigner '' versus a " Coborrower '' which changes the legal possession and dynamics of the law and contract drastically. They have denied every request I have made to be take off the car loan or accept a voluntary surrender of the car. They have refused to provide me with monthly bills as well as accept updated information for address changes. When requesting to speak with supervisors the staff are often argumentative and refuse to transfer to a supervisor or they just simply hang up on me when I ask for a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I have contacted AD Astra Recovery and faxed my FTC affidavit to them twice XXXX and I have called to verify that they have received my fax and they did confirm but they wont stop reporting to the CRAs and this is what AD ASTRA Recovery told me to do, they told me in order for them to delete the account I have to call all 3 credit bureaus and tell them that I want to cancel my dispute so that they could delete the account! But little did I know this is a TRICK!! this collection company is sketchy!! how dare you try to still collect and trick me when this is a fraudulent account!!! I just want to say Thanks to XXXX they let me know what AD ASTRA Recovery was trying to get me to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/18, I called Citibank customer service regarding my credit card application status. I get my security question right but they transferred me to the fraud department and refused to check my application status. 

Their decision seriously delayed the time of reviving my credit card and hurt customers relationship. 

I would request to cancel my credit card application with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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