vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Address : XXXX XXXX XXXX, XXXX, CA XXXX I just a Notice of Default for Citi Bank, NA from XXXX XXXX XXXX of XXXX XXXX who is acting as their Trustee. Their first Trustee, XXXX this mortage was executed on XX/XX/XXXX and subsequently recorded as Document Number XXXX. However, they volitionally executed a full reconveyance of the mortgage on XX/XX/XXXX and recorded that reconveyance on XX/XX/XXXX as Document Number XXXX. 

The execution and recording of a reconveyance deed, Extinguishes the Deed for all time. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX ( XXXX ) XXXX Cal. App. XXXX XXXX, XXXX citing XXXX v. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX. App. XXXX XXXX, XXXX [ Recordation of the deed of reconveyance extinguishes the lien on the property created by the deed of trust. ] At that time the mortgage became extinct, or best completely unsecured by the extinguished deed of trust. XXXX. XXXX. XXXX XXXX. They then have no secured creditor position on their property. 

The reconveyance was of their own free will and, can not be unilaterally rescinded. Furthermore, the status of all purported encumbrances on the property is the subject of current litigation XXXX XXXX Superior Court Case Number LC XXXX in which Citi Bank was named as a defendant and had its default entered. 

The continued assertion of secured rights to our property is slanderous, and further violates Fair Debt Collection Practices Act ( 1692f ( 6 ) ),  which regulates collection of secured debts under the Ninth Circuits recent ruling in XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/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
Consumer complaint received 2018-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
hello three weeks ago i put money in pay pal they said if I put money in I can use it to pay out with no fees I have called 6 times Ive been on the phone 8 hours Ive had 2 representitives tell me a supervisor would call me back every rep says they see my XXXX bucks BUT when they try to get it release even they cant get it out of pay pal I want my money back they continue to tell me its there, and they are sorry they cant get it to me pay pal email is XXXX repsectfully XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received 2 phone calls on XX/XX/2018 from " XXXX XXXX XXXX '' about " pending legal action '' for US Bank. I do not have a US Bank account nor have I had on for more than a decade. I do not owe any money to US Bank.

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 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SIRY INC., DBA SIRY AUTO GROUP
State: CA

Complaint narrative:
I am being charged more for interest than I agreed to in my contract. I believe this company is stealing from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/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
Consumer complaint received 2018-02-13 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: DISCOVER BANK
State: NC

Complaint narrative:
I have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX  or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been an account holder since 1995. Last month I was surprised to find that the bank had placed a HOLD on a {$200.00} money order. The same created an overdraft. Once alerted, the CSR could not come up with a reason for the hold but immedtately released the hold but held the {$35.00} fee for overdraft.. Today, I was notified that I also had an overdraft. it seems that {$1000.00} that I deposited, also from Money orders from the same tennent that Ive had for $ 10 years, that was deposited and credited on XX/XX/XXXX was now, just today on the XXXX, 9 days later, has a hold now placed on it. I have printed the transaction history showing the deposit credited entirely until today. I normally have mortgage payments deducted around the XXXX of the month, had I not seen this today and printed the same, im sure they would have modified the account to show a different story!!! I believe Bank of America is doing this to scores of consumers all across the United States. 
I will have to scan the transaction history and upload it later. 

I will testify, or assist in any way possible to see Bank of America brought to justice ... 

Thank you 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 monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was sued in XX/XX/2015 by Citibank , N.A . and Won the case with prejudice. ( see attached ). since then and currently i am still getting calls and mailings from a number of collection agencies over the past 3 yrs and have stressed out about it so much that I am considering filing a law suit which would cause me enormous expense and stress. Each agency that either called or send me mail demands I responded to and it still persists even though I gave each collection agency the facts of the court case. I am XXXX yrs old and legally XXXX on a tiny fixed income. I feel the emotional abuse is and has been chronic causing me fear to open my mailbox as well as answer my phone. I have attached copy of the law suit I Won by Citibank , N.A . collectors ( I only saved two of many more mailings I have received since this law suit was filed against me in 2015. ) I feel that Citibank , N.A . need to offer me some sort of financial compensation for my emotional suffering for 3 yrs and stop this harassment and Remove this " debt '' from my 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 explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX tax lien which was paid in XX/XX/2013, in the amount of {$1900.00}. The lien was released and removed from my XXXX and XXXX, but still remains on my TransUnion. If removed from two credit reports, it is or should be removed from TransUnion.

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 2018-02-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, purchased a medical debt of {$110.00} from XXXX  XXXX in XX/XX/XXXX ; the debt was paid off to XXXX XX/XX/XXXX. XXXX submitted an update to the Credit Bureau as a collection action on XX/XX/XXXX showing that the bill was paid, was settled on XX/XX/XXXX and there is a XXXX  balance. To continue to report this as a collection action to the credit bureaus is arbitrary and capricious and I believe a violation of Fair Credit Reporting Act ( FCRA ). I asked several executives of the company to please remove this from my credit report, but they refused. THERE IS NO BUSINESS JUSTIFICATION TO CONTINUE TO REPORT THIS AS COLLECTIONS ACTIVITY. I spoke to XXXX XXXX, Team Lead, Dispute Dept, and XXXX XXXX, Compliance Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account reflects the wrong amount. The account was opened and closed within less than 1 month so how can my bill be {$690.00}. XXXX XXXX tried to over bill me for service that they never provided. This account was opened some time in 2012. It's over 6 years old.

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please note I have been working on a few accounts that have incorrect and out dated information reporting. Even parts of Experian 's response indicates the accounts should be removed this month but yet they still report. XXXX XXXX partial account number shows XXXX ... shows it was 180 days as of XX/XX/XXXX but nothing prior to that and it's a very old account. There are two XXXX XXXX both showing a partial account number of XXXX that actually state they are to be removed XX/XX/XXXX and yet they are still reporting. Two XXXX XXXX XXXX partial account numbers XXXX & XXXX should both be removed. Account number XXXX only show the account was charged off in XX/XX/XXXX but not when it initially became late. Note all of the above accounts the first delinquency occurred in XX/XX/XXXX there for making it 7 years. There is also a XXXX  XXXX XXXX account that shows the first delinquency in XX/XX/XXXX again past the statue and the partial account number is XXXX. I really need your company 's help with getting them removed due to the statue of limitations.

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 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing concerning my experience with Capital one that is both a grateful Thank You and a pressing request concerning a tradeline in my credit files that I would like to have revised. 
I have had my Capital One Mastercard for almost a year now and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XX/XX/XXXX, I was 30 days late on my payment. I was on XXXX XXXX XXXX from my job for 6 weeks in which I received 60 % of my salary which led to this 1-time lateness. I am the  sole provider for our family. I did use what little savings I had to cover our living expenses but, this left us in an unfavorable position financially. Concessions had to be made and regretfully, this led to a late payment on my Capital one MasterCard account. 
The shortage of income, even though it was a short period of time was a brutal wakeup call for me concerning financial responsibility. Since that incident, I have learned the the essential organizational and financial management skills I desperately needed at that point and my payment history since XX/XX/XXXX reflects that. I wish to thank you for your renewed confidence in me for giving me a second chance at a positive relationship with Capital One, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Capital One may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my status with Capital One, I am requesting that you please give me a second chance at a positive credit rating by revising that 1-time late payment from XX/XX/2017. I simply hope that there is redemption at Capital One, and I plead for such consideration. 
I have called Capital One explaining my situation about 2 months and the service agent told me that if set up AutoPay and dispute it with all 3 credit Bureaus that they would not answer the dispute thus having the credit bureau change that 1-time lateness to a positive. I have tried that and nothing happen. So now I am reaching out to you with this letter. 
If any additional documentation would assist in reaching a positive income, please feel free to contact me. 
I thank you again for the time you have spent reading this correspondence. 
Very Hopefully yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: NC

Complaint narrative:
I have contatced XXXX XXXX a total of 15 times either by phone or mail since XX/XX/XXXX when the first XXXX XXXX  account was open then in XX/XX/XXXX another XXXX XXXX account was opened. I have made numerous attempts to get this cleared up and removed from my Equifax credit report. Neither Equifax or XXXX has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.

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 2018-02-13 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: NC

Complaint narrative:
Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

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 2018-02-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Called me at work on work phone, after I told them to stop calling my work #.

Company response to consumer: Closed with non-monetary relief