vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.

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 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
We applied for a mortgage with Carrington Mortgage on XX/XX/2018. I first was in touch with XXXX XXXX in the XXXX Florida office. As the weeks went by and I tried to get in touch with XXXX XXXX she no longer worked there. They then told me XXXX XXXX took over XXXX XXXX 's files. Once XXXX start taking over the file it was issues of her not returning phone calls and her having an attitude. I put up with XXXX for a month until I can no longer take her attitude and rudeness. I then told her that we no longer wanted to work with her because of her attitude and her professionalism. I explained to her that we were going through enough trying to purchase the home and didn't need anything else to stress me out. I then asked her to pass our file alone to another loan officer who will understand our needs and get the file closed. She advised me that she can not do that she will pass the file to her supervisor which is XXXX XXXX. As weeks went by I called and emailed XXXX and he never responded back. I then XXXX Carrington Mortgage and a couple of loan officers came up I called each loan officer and ask him to put me in touch with XXXX or somebody else that's a supervisor. A week later XXXX called me and said he never got the messages or the emails which I have proof I sent. XXXX advised me that he will be taking over the file to try to get the loan closed. XXXX was very nice for the first couple of days and then he started being un- professional like XXXX not returning phone calls and having an attitude. When I first applied with Carrington Mortgage I explained to them that we were victims of identity theft and someone had stole our identity as we were trying to purchase this house. They advised me that it was okay that I had a fraud affidavit and I have proof that we were a victims of identity theft and they still can close on the house. They also have asked me to turn over the owner finance house that we were living in because we could not afford two mortgages. I did what they advise and I turned the house back over to mr . XXXX which I got it notarized. Mr XXXX said he would give us a couple of months until we were able to close on the house it is now going on XXXX and we will be homeless as of XX/XX/2018. XXXX sometimes call and email my Agent but will not communicate with us as Clients. I feel it's unfair that he sometimes explain what's going on with My Agent but not us. Please help I have a XXXX year old child and I'm so scared we will become homeless on Monday XX/XX/2018. 

Thanks for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For past several years I have applied for IBR. It requires renewing on an annual basis. I submitt required paperwork, and in followup conversations Navient reps tell me they are processing my request. However, many months into the application process they tell me to file forbeareance or hardship, because they say they still have not processed my request for IBR and will get back to me.

By the time I am granted IBR, it is already time to renew IBR, or it is never processed and they have no record I applied.

Thus my complaint is as follows ; they steer me away from IBR, by delaying my application process for IBR toward forbearance. Navient is not transparent about why the IBR application process takes so long or why at times it is never processed and will not fix the problem after many attempts on my part at communicating the problem to them. Navient has never made an attempt to expedite my IBR request and seems ignorant or clueless about why they can not process my request.

I have never been granted an IBR in a timely way. It takes longer then 2 months, sometimes 5 months to process an IBR, if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: GA

Complaint narrative:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

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 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery is 100 % re-aging a very old debt in violation of Federal Law and they're continually reporting this to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pay my capitalone account twice a month over the amount due billed monthly. The statement states by due date is the XXXX each month. They keep charging me late fees for paying BEFORE the XXXX and stubbornly tell me I can't pay my bill early or I'll get charged late fees of which they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I had about {$190.00} in my Wells Fargo checking account. There were no posted check that day for {$300.00}. I checked my account frequently and there was nothing posted so my account still had money in it. There wasn't even a pending transaction for that {$300.00} check at all. The last time I checked my account on XX/XX/2018 was right before midnight. There was still no check posted and I still had about {$190.00}. At about XXXX today XX/XX/2018, I saw my account was - {$100.00}. No big deal, I will get the money into my account before XXXX to avoid an overdraft fee. I went to the ATM at about XXXX in XX/XX/2018, before the XXXX grace period was over, to deposit {$100.00} into my account only to learn that Wells Fargo has already charged me an overdraft fee of {$35.00}. I looked at my account online and it is stated that the {$300.00} check posted yesterday on XX/XX/2018 when that is not true at all. The check posted today on XX/XX/2018 but it says differently online. I find it unfair and a lie that Wells Fargo has done that. They insisted the check was posted on the XX/XX/XXXX when it did not show up on my account until today, XX/XX/XXXX. Wells Fargo refuses to refund the {$35.00} overdraft fee ( I don't make a lot of money so {$35.00} is a significant amount of money for me ) stating that the reason is because of my history of overdrafts. I may have overdraft more than once with Wells Fargo, but I managed to to bring my balance to at least {$0.00} before XXXX. Yes, I wish Wells Fargo would refund my money, but I find it much more alarming about the unfairness of Wells Fargo stating a check was posted on a day before it actually was posted as well as the unfairness of stating I have a grace period up until XXXX to deposit money to avoid an overdraft when in all actuality it wasn't given to me.

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 2018-08-01 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: NM

Complaint narrative:
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal is inappropriately hold my money. This has happened on the last two transactions for 21 days. Transactions on XX/XX/XXXX & XX/XX/XXXX sales ) They claim it is for one of the following reasons : Your payments may be placed on hold in your pending PayPal balance because 1. Youre a new seller with PayPal - It takes time to build history to demonstrate a pattern of positive buyer-seller transactions. By building a positive selling activity, your funds may become available immediately.

2. You have performance issues or a high rate of buyer dissatisfaction or disputes - The percentage of refunds, disputes, and chargebacks compared to sales on your PayPal account seller performance. Having performance issues increases the likelihood of received funds being temporarily unavailable.

3. The payment you received may be considered unusual for your selling pattern - You may be selling higher risk items such as tickets, gift cards, electronics, or travel packages. Unusual sales activity could also include a recent spike in sales, a change in average selling price, or a change in business model or type of item being sold. Also, if you had been selling on XXXX but are now selling off XXXX, this would be new activity. 
4. You were previously an inactive seller - You may not have sold something for a while and you have now begun selling again.

5. Youve been selling for a while but opened a new account - If youre an established merchant, but opened a new account, that account will be eligible for holds until a good history is established.

However, not one of these reasons in valid for the following reasons : 1 ) I have been using Paypal for over three years so I am not a new seller.

2 ) In the three years I have used Paypal I have NEVER had a complaint filed against me.

3 ) I have had this amount & similar amounts the entire time I have used Paypal.

4 ) Obviously, this doesn't apply as I have been selling on Paypal since I opened my account.

5 ) I haven't opened a new account & have been consistently using this account.

Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have bought a property by owner finance and I can not get them to put mortgage on my credit report. I have paid it on a timely manner for 4 years and still not reported on my credit.

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 2018-08-01 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: NM

Complaint narrative:
XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

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 2018-08-01 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: TX

Complaint narrative:
I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. Equifax responded indicating that it has already addressed my concerns through a Reinvestigation. Here is a direct quote from Equifax 's response : " Results of Our Reinvestigation are : Our records show that you recently contacted Equifax on XX/XX/XXXX via case XXXX regarding the items listed in the complaint. Reinvestigation results were sent to you on XX/XX/XXXX. The information you disputed has been updated as well as other information on this item. XXXX XXXX Account # XXXX The results are : This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS *DATE OF LAST PAYMENT *ACTIVITY DESIGNATOR *ADDITIONAL INFORMATION. '' THIS RESPONSE IS ENTIRELY FALSE. ALL OF THE ABOVE FIELDS WHICH THE COMPANY CLAIMS TO HAVE UPDATED CONTINUE TO BE INCORRECT. MY COMPLAINT SUBMITTED THROUGH THE XXXX COMPLAINT PORTAL IS BASED ON THE REINVESTIGATION RESULTS. THIS CLEARLY SHOWS THAT EQUIFAX DOES NOT PROPERLY LOOK INTO CONSUMERS ' CASE/COMPLAINTS AND INSTEAD TRIES TO PUT THE BURDEN ON THE CREDIT COMPANY/LENDER. I submitted a copy of the Equifax report DIRECTLY FROM THE EQUIFAX WEBSITE ON XX/XX/XXXX, THE REPORT OF WHICH IS DATED AS OF XX/XX/XXXX. If Equifax has properly reviewed that copy ( reattached here ) it would have noticed that my compliant is BASED ON THE REPORT THAT ALREADY REFLECTS THE REINVESTIGATION RESULTS. 

EQUIFAX CONTINUES TO REPORT MY ACCOUNT AS BEING LATE, EVEN WHEN : 1 ) The mortgage provider committed administrative error and violated the Periodic Statement Rule under 12 CFR 1026.41. 2. No one sent me any billing statements or late payment notices.

2 ) The mortgage provider violated the Periodic Statement Rule under 12 CFR 1026.41, the requirement of delinquency information under 1026.41 ( d ) ( 8 ).

3 ) I never received a notice from the mortgage provider stating that it will report negative information to the credit bureaus. This violates FCRA 623 ( a ) ( 7 ) requiring notices to consumers of negative information being reported to credit bureaus.

4 ) Furthermore, Equifax reports the account as being " NR '' ( NOT REPORTED ) in the payment history EVEN WHEN THE ACCOUNT WAS ALREADY TRANSFERRED IN XX/XX/XXXX. THE PROPER PAYMENT HISTORY SHOULD BE BLANK SINCE IT HAS ALREADY BEEN TRANSFERRED BUT IT KEEPS ON REPORTING IT AS " NR ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I noticed that I have an active account on my credit report and I was not made aware of any outstanding balance from creditor or collection agency

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 2018-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
Around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. When purchasing this vehicle I traded in my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX I owed XXXX dollars on still and the XXXX XXXX I did not owe any money on at all. When purchasing the XXXX XXXX XXXX the car was {$22000.00} end of purchase even after trading in both of my previous cars in which the XXXX they gave me a trade in value of {$8000.00} and for the XXXX XXXX they gave me a trade in value of {$5000.00} the price did not change even with my trade ins. I was told the entire time by the salesman XXXX and the manager XXXX that the interest rate was only 10 % so I went a head and signed the paper work and purchased the vehicle. A month later when I looked through the paper work I came to realize they both falsified information and mislead me. The interest rate on the vehicle was not 10 %. It was 25 % meaning I didn't buy the car for {$22000.00} at the end of the loan that would make me owing the financer XXXX XXXX  {$46000.00} I soon realized this was a down fall and a used car is not worth that kind of money. This lead to a repossession. The reposession came about due to false information and being misled not only by the salesman XXXX but also by the manager. I would like to have this removed from my credit report seeing that it honestly is not my fault that a salesman and a manager misleads customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service, Inc.
State: AR

Complaint narrative:
Collection Service Inc. is in violation of the Fair Debt Collection act by attempting to collect on debt beyond the statue of limitations. In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed two fraudulent accounts on my credit report, and they still remain there after Experians investigation. These need to be removed as soon as possible. Experian is currently showing an inaccurate report and score. I have repeatedly been in contact with them and they have not been able to help me.

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