vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On Wednesday XX/XX/XXXX I received check # XXXX in the amount of {$1400.00} intomy checking account ending in XXXX. The check is from my employer XXXX XXXX. Citibank stated the check was fraudulent saying it look altered and XXXX XXXX  ( the account check drawn off of ) said it was not a good check. I called Citibank fraud department to inform the check is valid with the controller and ceo of XXXX on the phone. I was treated rudely and issue not resolved. I went in person on XX/XX/XXXX to talk to a personal banker for assistance and to prove my check is not fraudulent. I gave the company contact information and I asked them to verify the check. They are in the process of closing all my accounts and are telling me I have to wait 30-60days to get my funds. I have a rent payment and car note payment due. I am being treated unfairly

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 2018-07-27 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: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I took my cat to the vet after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his leg. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Ditech Financial LLC
State: OH

Complaint narrative:
We have a loan w/Ditech XXXX. XXXX  XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX  to XXXX  and need to register the vehicle. The state of XXXX  needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX  XXXX County Title Office. 

XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX  Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. 

Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX  XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX   law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. 

We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. 

All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Finco Holding Company LLC
State: OR

Complaint narrative:
I was excited to get a car. And I got a truck for {$8000.00}. The interest rate is 29.99 %. I am having a hard time making the payments with the high interest rate and the balance never goes down. I spoke with Equitable Finance, and they told me that my wife needs to get a job. I am a XXXX male and we have XXXX children. I do not want my wife working and childcare would be more expensive than what she could make. I ask for a lower interest rate and they said no. I am 17 days late on my payment and they turned my truck off. Now I can not work. Equitable Finance told me on XX/XX/XXXX that I should get a job at XXXX 's to pay my bill. And they did not care about my values in my XXXX community

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. 
XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. 
XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. 
Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. 
XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. 
XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! 
XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! 
XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. 
XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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:
Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.

First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail. 

Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law. 

All calls have been recorded. 

Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress. 

The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I took my cat to the XXXX  after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his XXXX. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.

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 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX credit card issued by XXXX. XXXX XXXX was sold and the credit card program was cancelled. My account was closed in XX/XX/2018 with a XXXX  balance. 

Months later, XXXX processed two refunds to the account : on XX/XX/2018 ( {$1800.00} ) and on XX/XX/2018 ( {$440.00} ). I received no notice from XXXX when the credits were made. On XX/XX/2018, I received an email from XXXX that I had a {$2300.00} credit on the account. I called and asked how I access the funds since the account is closed. I was told I could have the funds deposited in my bank account or received a check, both of which would require a 21 day waiting period. 

Between the delay in notifying me and the 21 day waiting period, XXXX will hold my funds for five weeks ( presumably earning interest ). I think that is unreasonable and that XXXX should be required to deposit the money into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: IL

Complaint narrative:
On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX XXXX XXXX for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house.

Please investigate

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 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. 

When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
There was an inquiry taken place by SYNCB PayPal that was not authorized by myself. This hard inquiry is now impacting my credit score

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 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

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 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  along with Experian and XXXX refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

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 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: NY

Complaint narrative:
On XX/XX/2018, XXXX, someone called me on my cell phone whose name I couldn't catch. At first there was silence even though I said hello three times ; so I remained on the line without saying anything, then a female rapidly gave me her name and the name of her company, which I didn't catch, and asked me if I was -- -- -- -- --. At first, because there was so much chatter in the background as though it was a call center, I hesitated with my name confirmation and asked what the call was concerning. She said she couldn't tell me unless I confirmed that it was me. So I said " YOU called me and I am XXXX XXXX. So what is this about? '' She repeated she had to confirm that it was me, and in that moment I realized she was looking for personal information which I was not going to give over the phone ; so I told her that I wasn't going to give any more information so she could hang up. She said she couldn't do that, so I said " Well, I can. '' and hung up. 

About 5 minutes later, not knowing exactly WHO called me, I dialed XXXX to get more information regarding the identity and legitimacy of the company. A connection was made and immediately a recording informed me that the conversation would be recorded. Again, though the female which answered was different in voice, she was the same in manner and spoke rapidly asking if I was -- -- -- -- -- -. This time I sought a different approach and answered immediately that I was he and I informed her that someone called me 5 minutes ago and I inquired why. Again, she asked me if I was -- -- -- -- -- - and I said " I already said that I was. '' She said I can't tell you without confirmation ; yet she had also said that my number ( cell phone number ) had " come across her desk ''. So to me, my cell phone number is my identifying number and the number came up when I returned the call. Around in circles, so I told her that's okay and that I was hanging up but I will report her number to the proper authorities. She said fine and I hung up. When I got home a few hours later, I looked up the telephone number which led me to numerous complaints against XXXX XXXX XXXX. These are some examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In response to complaint XXXX, I have provided this information over 30 calendar days ago, and provided it again today. I have enclosed copies of the correspondence. Equifax 's breach is obviously more serious than originally reported, I would suggest a full investigation. I have not been able to access my credit report in fiscal 2018 and have good reason to believe that it is tainted with incorrect information due to the data breach. This is my last step prior to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX Collection agency for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house. 

Please investigate

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