vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This may sound like a repeat or a continuation of my pqast complaints, but in essence this is NOT THE SAME. 
The only part that is the same is that it is my loan with CitiMortgage, Inc. a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number Loan # XXXX. 
I tried to do a loan modification with Citi now five times over 3 years.

XXXX  has my 2nd mortgage and I managed to do it with them in 2 months. Citi has been a problem.

Unlike the past, when I complained about the details of their denials ( They admittedly denied me based on a mistaken classification of my loan - which they placed as 2nd mortgage instead 1st - which would have guaranteed my approval ), my complaint is that Citi-Mortgage should not  require me to reapply. 
They agreed that they made a mistake. 
They agreed that if not for their mistake - they'd have approved me, based on my correct numbers. 
They agreed that I submitted everything they needed multiple times. 
They agreed that they reviewed my multiple applications and deemed them complete. 
Once in XX/XX/XXXX, 2 times in XX/XX/XXXX and 1 time in XX/XX/XXXX and 1 time in XX/XX/XXXX.

So my claim is that similar to any judicial process, when a side makes a mistake, they reevaluate the submitted and complete filing/application and review it based on the new corrected facts.

Citi knows, by their own admission, that I will be approved based on ALL m

y 5 submissions, now they want me to apply again, or resubmit new 'missing ' items from the 6th application.

I reviewed other people 's complaints and it is common complain, when people feel ignored and mistreated, their filing misplaced, miss-classified or just required to start the process all over again - just to be denied again, by yet new claims.

I consider their behavior in bad faith and I demand the Consumer Financial Protection Bureau - representing my interests against a systematically sinister bad faith and bad reputation organization - to force Citi to do the simplest thing, which will take the least amount of time.

Please demand from Citi Moprtgage to review my previous completed submissions for Loan-Modification, considering my loan being labeled as it is - in first lien. 
I will then be approved immediately. 

This is not to take any money away from CitiMortgage, but to facilitate what they volunteered originally in agreement with the government - to help owners who can - to stay in their houses under new repayment terms. 
XXXX did it immediately and Citi can do same. I will then be able to pay my way and
we'd all benefit from this. 
Otherwise - in Foreclosure, I will have to defend it and claim the mistreatment of my case by Citi and subsequently - ignored by the CFPB. 
Thank you XXXX XXXX & 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 explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: KS

Complaint narrative:
Company is trying to collect {$1100.00} for XXXX and is unlawfully reporting account not mine caused by identity theft and is ruining my credit report even though the debt is not valid nor mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
I was waiting to get paid to pay my car payment, the company called I gave them a date to paid the rep I spoke was so rude says you need to think of something we need payment now, I advised needs 7 more days to make a payment, the rep says the vehicle is out for repossession by the rep telling me that I did not want to make a payment, so 1month later after that my vehicle was repossessed. The reps does not the the right to talk you a paying customer that way!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX 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 explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.

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 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One is blocking my reports and information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a quick trip card with XXXX XXXX XXXX XXXX for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX   payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.

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 2018-05-27 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: TN

Complaint narrative:
I am writing this letter to you regarding the service that I received from the credit reporting bureau Transunion. Beginning in XX/XX/XXXX, I have been working with Transunion Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Transunion Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 

Certified letters were delivered to Transunion on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Transunion several letters demanding that the accounts be verified per the FCRA. In their response to me ; Transunion has stated that the accounts have been verified and updated. However ; Transunion has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 
I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Transunion dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Placed for Collection XXXX XXXXXXXX XXXX XXXX XXXX Paid Collection XXXX XXXX XXXX Unpaid Balance Charge Off XXXX XXXX XXXX   XXXX Acct. Sold to XXXX XXXX XXXX XXXX XXXX XXXX Placed for XXXX XXXX XXXX XXXX XXXX Placed for Collection

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-27 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 — Problem with personal statement of dispute
Company: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
From XXXX to XXXX payments were not paid to company. Product had broke and I called company and was instructed to not pay until returned phone call. Was never told it would begin being put on my credit as missed payments and not ever called back. Has correct income but was instructed incorrectly by a member. Also, they have been reporting differently to different credit bureaus.

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 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX 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 explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, do you know that XXXX has this practice? I overpaid my XXXX credit card, they gave me a check for the refund, XXXX out my credit card that I dont owe them anything anymore, I presented the check to the bank after a month and they said that the check is expired! Checks dont expire after a month, I havent use my XXXX credit card and worse part my bank charged me {$25.00} for presenting an expired check. You know what XXXX did? They requested for my bank statement! Wow!! For all the inconvenience I got, they question my {$25.00} and the {$34.00} that Im out. Its quite a sneaky practice! Please help us, thats sneaky! 

This happened to me today. They will be giving me back my {$34.00} but isnt that practice sneaky?!?! Who cancels a check after 1 month just because it was not presented?!?! 

Please help. 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 explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Credit cards were issued to someone other than myself illegally and the company is refusing to mark it as fraud and insists on collecting the debt from me that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
First transaction for a balance transfer loan for 21 months with zero percent interest was taken out in XXXX with payoff due XX/XX/XXXX. I always paid much more than the minimum payment due. 
I was considering taking out another balance transfer loan and asked a representative how my excess payments would be applied. I was told that once the interest was paid, the principal would be split evenly on both loans. So on XX/XX/XXXX I did another balance transfer loan at 1.99 % until XX/XX/XXXX. 
On XX/XX/XXXX I called to find out the balance on the original zero percent transfer to be sure it was paid off timely. I spoke first with XXXX who told me that I could not pay off the zero percent loan until the 1.99 % was paid off. She transferred me to XXXX XXXX, a supervisor from the Missouri office. He told me to pay the zero percent balance of {$700.00} on the XX/XX/XXXX. ( Note that my payment was due on the XXXX and I was not comfortable with him telling me to be late - so I spoke called another rep on XX/XX/XXXX. ) This time I spoke with supervisor, XXXX ID # XXXX and he told me that the loan payoff for the zero percent transfer was {$670.00}. I paid {$670.00} per his instructions on XX/XX/XXXX. 
Again I decided to speak with someone to be sure that paying the {$670.00} was correct. 
On XX/XX/XXXX I spoke with XXXX, a supervisor, who told me that the only way to pay off the zero percent transfer was to pay off the entire balance - both loans. 
I was so angry for being given misinformation so many times, that I did just that! I paid off the entire balance. 
As a consumer who is concerned for paying my bills on time and for the correct amount, I found the number of " supervisors '' who gave me misinformation disgraceful. How could I depend on their explanations and advise when half of the representatives that I spoke with were wrong? 
I have since come to understand that according to their rules, the " interest '' loan would be paid before the " zero interest '' loan. That part is ok. 
My concern is all the misinformation I was given. If I followed the initial advise of XXXX XXXX and paid my bill on theXX/XX/XXXX, I would then have been in default of the zero percent contract and been obligated to pay 21 months worth of interest on the original loan! 
There needs to be better oversight and training for the representatives who speak with consumers. WE DEPEND ON THEM!

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 2018-05-27 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: TN

Complaint narrative:
I am writing this letter to you regarding the service that I received from the credit reporting bureau Experian. Beginning in XX/XX/XXXX, I have been working with Experian Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Experian Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 


Certified letters were delivered to XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Experian several letters demanding that the accounts be verified per the FCRA. In their response to me ; Experian has stated that the accounts have been verified and updated. However ; Experian has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 



I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Experian dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXXXXXX XXXX XXXX XXXX Paid Closed/meets requirement FCRA XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX Purchased by lender XXXX XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA

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