vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with XXXX XXXX XXXX USAA? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an XXXX XXXX are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Dealer services offered me a settlement amount I paid it and they sent me a letter that effective XX/XX/18 my account is settled in full and my account is closed. They said that they sent this info to all three beaurea. It is still reporting incorrectly and every time I dispute it with the beaureas wells Fargo says that I still have a balance. I opened a complaint with Wells Fargo office of the presidents and the dispute was settled telling me to send the letter they gave me to the reporting agencies and they should honor it but that's not what's happening. They are all ignoring the letter.I have a pending home closing and I'm scared that I'm gon na lose my home because of this Help!!!!!

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 2018-09-14 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.

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 2018-09-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Good Evening. 

So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. 

Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... 

Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I was in a severe car accident back in XX/XX/2016. Due to injuries I could not work nor make my mortgage payments. We filed for mortgage assistance and refiled and refiled for 2 years. For 1 year they told us to pay a forbearance plan. Then they denied us for assistance and stopped accepting mortgage payments. We told them we could make the full payments and they told us to just pay 75 % of the payment. They then stopped accepting payments unless the total pass due was played in full. They sent us a pre foreclosure notice so we panicked and sold the house. Multiply times we asked what our payoff was and they told us a specific number. Then we get to closing and there's a charge for an extra XXXX dollars that was not previously discussed. They had no answers for us when we disputed it. XXXX XXXX is the lender.

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 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/2018 I was detained by the police from my vehicle and taking to prison. I left my wallet with my identification card and social security card, XXXX XXXX card, XXXXXXXX XXXX Card inside it in my vehicle. I was release from prison XX/XX/2018. I discovered shortly after my release my vehicle was burglarized and my wallet and my phone was stolen. I immediately called American Express to cancel my card and I filed a dispute with them that day and I filed a police report the following day. I certified mailed my police report, prove of incarceration form, photos of my burglarized vehicle, FTC report and declaration of fraud form in on XX/XX/2018 to their corporate office in XXXX XXXX Utah. I also fax American Express Serve Team the police report and upload all documents listed previously to their website around that time as well. All documents was submitted before the 10 business day provisional credit period. On the XX/XX/2018, I received an email of denial of my claim. The representative explained to me upon calling, my claim was denied due to a merchant validating that a tranactions was valid. I spoke with each merchant neither of them confirmed validating any charges with American Express. I also contacted the American Express CEO XXXX XXXX and the executive department regarding this claim. They claim they was going to look into it but they have yet to resolve the issue as well. The Dispute amount is XXXX. I really need this issue resolved and those funds reversed to my account as quickly as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is in reference to CFPB Case # XXXX. XXXX XXXX   responded with a letter stating a rebate was issued on XX/XX/18. You closed the case. As of XX/XX/18, I have not received the rebate. The letter states I can contact XXXX XXXX at XXXX, but I have left messages many times with no response. I have enclosed the letter.

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 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. 

XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX  XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. 

I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. 

Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it May concern, My delay in payment started after hurricane Harvey where I was out of work for a week and then when work started back we were not at full production at the plant where I was working at which I was under payed for 2 weeks. At that time I spoke to XXXX XXXX about Hurricane Harvey Relief in XX/XX/2018 in which I started my forbearance The Bank of America ( BOA ) rep called me each month where she stated that the calls were recorded and informed that my loan was a VA loan and the payments would go on the back end of the loan. Then in XXXX it was extended for another 90 days in which I would start my first payment XX/XX/2018 which I was paying until XXXX XXXX payment for XX/XX/2018 was denied because my account was in foreclosure status. At this last conversation in XX/XX/2018 XXXX XXXX stated that the terms changed and I will have to pay for the past 6 months in full. I was then confused because that was not we talked about .The forbearance payment should have gone on the back end of the loan when the loan matures at the final payment. During the forbearance the letters that I got in the mail XXXX told me to disregard because my payments would go to the back of the loan.When I tried to make last payment in XX/XX/2018 I was told that I could not make my payment and my account is in foreclosure.I XXXX and XXXX XXXX never got a certified letter from Bank of America.I just received the documents that I requested back in XX/XX/2018 after I talked to XXXX XXXX in XX/XX/2018. If these calls were recorded please listen to each and assist in this important matter.

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 2018-09-14 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.

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 2018-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: IL

Complaint narrative:
I noticed that XXXX hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on 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 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I haven't wasted countless hours trying to close my Citi Prestige Credit Card account. I have never been able to use the card. As soon as it was activated it was flagged for fraud. Citi has never been able to verify me. 

In fact, this is my second CFPB complaint on the matter. On the first complaint, XXXX XXXX of Citi 's  Executive Response Unit did not even address my frustration. The fact is over the course of XX/XX/XXXX and  XX/XX/XXXX I have wasted countless hours of my life trying to be verified by Citi for a credit card they have given to me so I can SIMPLY CLOSE THE ACCOUNT. XXXX XXXX claims a letter was sent to me and that I need to provide a reference number to close the account. I RECEIVED NO LETTER. You call the fraud department, they can't verify me. They transfer me to customer service. Customer service says they can't do anything and that I need to talk to the fraud department. No one knows anything or is able to do anything. I've called XXXX XXXX of the EXECUTIVE RESPONSE UNIT twice and left voicemails -- no response or follow-up. 

Citi is charging me interest and fees for an account I can not even access!!!!!!!!!!!!!!!! Despite having a checking account and savings account with the Citi Private Bank arm, no dice. I'm lost in the system and it seems like there is absolutely no hope and no one at Citibank is capable of rectifying my situation.

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