vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  XXXX still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
They call me at least once daily for the last 3 weeks. I answer tell them my situation has not changed since the day before. I have asked them to quit xalling my cell phone number and requested that they mail me information about the debt and I will call them once our financial situation gets better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I have a Nordstroms account XXXX. They placed my account on hold telling me I needed to go into a store and show ID which I did on XX/XX/XXXX or XX/XX/XXXX in XXXX, TX. I was then told on XX/XX/XXXX that they couldn't verify my Social Security number and they were waiting on information from the Social Security Administration. Well fast forward I was told to go back to a store with my SSN and Photo ID which I did and then was told I needed to mail it directly to them. Which I find a little odd seeings how the mail can be lost. I called customer service only to be told I only had a certain number of days to send in the information and since I didn't the account was closed and can not be reopened. This was on XX/XX/XXXX that I was told to go into a store and on XX/XX/XXXX is when I went into the store. I was never told beforehand to send in copies of the information only told to go into a store. Now the account is closed they will not have it reopened. I received a letter dated XX/XX/XXXX saying the account was closed because of information on XXXX however nothing has changed at all. What I find odd to is they had just increased my credit limit on the account so if something was wrong on XXXX then why would they raise my limit from {$13000.00} to {$15000.00}. I wish to have the account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. 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 2018-03-20 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.

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 2018-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I filed my Employment Certification Form with XXXX XXXX on XX/XX/XXXX in order to have my payments counted towards PSLF for the last year.

This form was rejected on XX/XX/XXXX with the reason being that I did not provide an employment begin date ( attached ).

I called XXXX on XX/XX/XXXXand spoke to Operator ID XXXX. She explained that she was not a part of the XXXX  PSLF program and had me transferred back into the main que where I waited and spoke to ID XXXX. ID XXXX seemed confused so I requested to be transferred to a supervisor. I received supervisor ( XXXX  calls them an escalation specialist ) ID XXXX. I explained to him that my Employment Certification Form did have a begin date of XX/XX/XXXX but the rejection letter dated XX/XX/XXXX said there was no date on the form. Escalation Specialist acknowledged the mistake of XXXX behalf and said it will take 10 business days to resolve the matter. He also mentioned to me that the reason why my form was rejected was because they have a start date for me of XX/XX/XXXX at my current employer, not XX/XX/XXXX as has been stated on my two latest XXXX forms from XX/XX/XXXX( approved by XXXX  ) and my latest rejected XXXX Form datedXX/XX/XXXX.

I researched the matter and discovered that XXXX XXXX is relying on my Payment Tracker form for my employer start and end dates ( attached ). This is where XXXX XXXX was getting the incorrect XX/XX/XXXXemployment begin date for my current employer. Over the years I have complained about this Payment Tracker form because it gives incorrect employment begin and end dates. For example, I left one employer on XX/XX/XXXX notXX/XX/XXXX as this form states. I brought my concern up to XXXX XXXX and I was advised that these employment beginning and end dates are determined when my form is approved by the Official who signs them and/or when they are received by XXXX XXXX, thus making them not actual employment begin and end dates. I have expressed a concern that these dates would be relied on in future transactions. Now the brain trust at XXXX XXXX is relying on these incorrect dates and it is holding up the approval of my payment certification.

OnXX/XX/XXXX I XXXX  ID XXXX and explained the situation above. He was not understanding the matter. I was told to wait two weeks. In a nutshell, it is my opinion that XXXX XXXX is too lazy and/or incompetent to actually research this problem. Their workers are not knowledgeable nor do they care enough to fix this problem. I am constantly finding errors on their part at almost every communication I have with them. If my experience above is any indicator, waiting two weeks is an exercise in futility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. 
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. 
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. 
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My home was in foreclosure, I filed bankruptcy in early XX/XX/2017 and my home was saved. I was advised by my attorney to just pay {$990.00} to the Dtech mortgage company and I have been doing so since XX/XX/2017 when my bankruptcy cleared. Now Dtech is trying to XXXX me over again, they are stating I owe them {$2000.00}. because of my ESCROW account yet I have not received one single statement, one single bill, phone call, email, correspondence ( nothing ) at my home. My daughter created the account for me online and it shows the mailing address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is not my home address why are my statements and bills going there for my home. This has caused me yet major problems for now they say i owe {$2000.00} and i have tried calling to speak with someone to help me and nobody takes the time they just bounce me around from rep to rep. I will be hiring another attorney to assist me with this FRAUDULENT ACTION and decided to start by filing a complaint! I have record of everything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted XXXX and Experian via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that XXXX and Experian both verify their public records data with. Somehow, XXXX and Experian claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both XXXX and Experian have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by XXXX and Experian within the last 3 months to which XXXX was unable to find any record of these companies doing so.

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 2018-03-20 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
I do not owe this debt it was paid in full in the amount of {$2200.00} back in 2015 that I was sued for. I have extensive proof which I can and will provide. They have stated that I owe another XXXX  which has not been proven. I have made several attempts to contact NCC BUSINESS SERVICES via email and phone. On the 1st occasion I talked to someone in XX/XX/XXXX that told me that it would take 1-2 business days. I called back 3 days later and then was told it would take 3-4 business days. I waited a week to call back and talk to another person which told me that it would take up to several weeks to receive, and that they would have to get proof from XXXX XXXX XXXX. These are the people that own the XXXX XXXX XXXX XXXX XXXX. I called them and they stated they do not know of any moneys owed. I have been getting the run around for years for proof of where this extra money is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove

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 2018-03-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from the XXXX  stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX  Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX  on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX  

The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.

I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.

I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX  ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX  are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX  XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?

Company response to consumer: Closed with explanation