vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have had the same Citibank Bronze card since earlier XX/XX/XXXX. In XX/XX/XXXX the card was compromised and needed to be replaced. I went to use my airline miles that I have been intentionally accumulating on this card, when I was informed there is no record of my miles from XX/XX/XXXX-XX/XX/XXXX from the original card. ( I booked a trip to XXXX XXXX during that time, which really racked up some miles! ) I called Citi Bank and they conferenced in the rep from XXXX XXXX ( their partner sponsoring the miles ). I was in tears! They assured me they would find my miles. Yesterday I got a letter from them that I had some how forfeited my previous miles when they replaced my card for me in XX/XX/XXXX! There was never ANY mention of that at ANY time. I went to book a trip next month with my miles, and half of them are gone. I feel completely robbed. Never did anyone mention this -- -I wouldn't have done that. Someone made a mistake and their and they need to right it. 
I appreciate your involvement in this scam. I did NOT change card programs, I simply had my card replaced.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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 — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for US bank and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with US bank and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on 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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Contacted both companies on XX/XX/XXXX and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies. This is a result from a car accident I had back in XX/XX/XXXX with no fault of my, the other person was at fault and fled the scene, within 2 weeks of the accident the hospital put a lien on my name and send me to credit report agencies of not paying them when I was still in the hospital, had to file a law suit and it's in pending ligation.

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 — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint is in regards to a {$150000.00} ( excluding fees and interest charges, attorney fees, etc. ) loan modification that I NEVER signed for. Wells Fargo Bank tacked on this modification to the back of the original mortgage note of {$350000.00} on XX/XX/XXXX. I was on the original mortgage with my then husband but divorced in XX/XX/XXXX. Leaving my ex-husband solely responsible for any additional debt obligations he accrued after the divorce including the modification. I was interested in purchasing a home I was renting in XX/XX/XXXX when the broker called to inform me that he pulled a credit report which stated I modified my home. I immediately called Wells Fargo bank modification specialist at ( XXXX ) XXXX extension XXXX. The customer service representative stated to me that my authorization ( signature nor verbal ) was not needed for a mortgage modification even if I was divorced. When my ex-husband passed away in XX/XX/XXXX, I had a chance to go through all his paperwork which confirmed that I did not sign. I contacted a friend 's lawyer who contacted Well Fargo while I was in the office and Wells Fargo bank verified that my signature was not on the paperwork. In essence, I take full responsibility for the original mortgage but not the additional ( {$150000.00} loan modification ) attached. Wells Fargo attached the modification to the back of the original loan.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Last year after the whole Equifax data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( 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 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: GA

Complaint narrative:
My primary residence ( XXXX XXXX XXXX XXXX, GA ) flooded with Hurricane Irma on  XX/XX/XXXX. I have a mortgage on this property with MB FInancial Bank ( loan XXXX ). Until this time, i have never missed any payments and have stellar credit. 

After the flood, I contacted my bank to let them know of the damage and was told that per FEMA ( or FHA rules? ) I was entitled to an automatic forbearance period of 3 months. I was told to not  make a payment and that I would receive additional paperwork on next steps. I made my XX/XX/XXXX Payment, but did not make a payment in XX/XX/XXXX or XX/XX/XXXX. I Then made my XX/XX/XXXX payment - and all payments since. 

Since this time I have had NUMEROUS conversations with the bank about the process of the forbearance and what becomes of my loan going forward. In XX/XX/XXXX, I was given various options for making payment and OPTED for the option of extending my loan by 2 payments at the end of the loan period. Since then NOTHING has happened and I have never gotten any confirmation of the loan modification. I have called and called the bank, but have always been told that it was " in the works ''. 

Today ( XX/XX/XXXX ), I received paperwork from the bank and the option described above was NOT given to me. The bank basically just needs me to catch up on my payments by XX/XX/XXXX else they will proceed with foreclosure. 

I need help with dealing with this issue and getting the forbearance treatment that I was promised - and is mandated thru FEMA / FHA.

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 repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I subscribed to a trail product and cancelled it 2 days before and got a confirmation email and they still charged my card. I called my bank which informed me that I should contact them first so I did and held on the phone for over 2 hours. Still no answer. This unacceptable when they know they took money that they weren't authorized to get. Amount of XXXX  and XX/XX/18

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i was offered the 3 months hardship for the hurricane Irma after the 2nd month the wells fargo bank sent me letter and called me saying i was behind on the mortgage by 3 months and I told them ive sent them the last mortage payment before the hurricane how could i be 3 months behind, the person XXXX told me oh they recieve the last payment but did not apply it and could not clearly explain why, and they were not approving for the hardship program and i need to pay the remainder now and I asked I was told by the lady after the hurricane that all would be good and they would put my account for the the 3 month hardship program if i wanted to and i said yes please and than XXXX said Oh i apologize for that and there is nothing he could do this he said when he contacted me after over 2 months later

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 — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This company, Nelnet, is handling my student loans. On XX/XX/2017, Nelnet sent 2 policemen to my home in XXXX, NY. They told the police that I had spoken to them that day on the phone ( I do not speak to them on the phone because they have been harassing me all the time, so when they call, I immediately block their number, but they call from a different number each time ). They told police that I had threatened to XXXX myself over the phone that very day. This did not happen. I had to plead and convince the two cops that I was not a danger to myself. I was embarrassed, ashamed, and I felt completely violated because Nelnet lied to the police. I have never had to deal with the police for anything in my entire life. I was completely humiliated. After finally convincing the cops that I was not suicidal ( which was not easy, they kept looking at me like I was insane ), I called Nelnet and spoke to a " supervisor '' named XXXX who claimed Nelnet had " made a mistake '' and that she could not do a single thing for me. Her excuse was that they had called the police on the wrong person. I asked who at Nelnet had decided to lie to the police about me, but she wouldn't give me any information. 

What a miserable, fraudulent company. If this isn't harassment, I don't know what is. Imagine opening your door on your day off of work to see two giant cops asking you if you're about to XXXX yourself. I had just moved into that apartment building a month before, and now all my neighbors heard what was going on.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: TN

Complaint narrative:
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In Reference to Company Credit Acceptance Account Number XXXX   ... ..

In XX/XX/XXXX my transmission blew so the company Credit Acceptance would not offer any assistance so I had voluntary repo the company did not take proper action as the NC law states about repos Currently I have learned they sold the car in a car auction XX/XX/XXXX 0r XX/XX/XXXXhowever through theUCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered. I received no notices also they are reporting inaccurate information like this account is new this account is at least 8 years old which should have been deleted off my credit file which I am requesting that Credit Acceptance Corp Delete in the next 15 days such we all can agree they have not took proper action in notify me of the debt also did not send notify me when the vehicle was auction off and no notification when reporting on my credit file 5 days prior and reporting as if it is a new account. I have attempted to dispute with the Credit Bureaus at least 4 times I was susscessfully with XXXX but XXXX and XXXX it comes back as verity but not ( validation nothing with my signature ). I appericate the CFPB help in this matter.

Sincerly 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 2018-03-20 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company repeatedly calls me before XXXX XXXX They call from different numbers and do not leave a message. I have yet to receive a debt validation notice via the proper channels i.e. Via mail. I have no idea. Why they are calling and harassing me. I have blocke several numbers and then they call from another number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 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: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2018-03-20 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: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2018-03-20 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: OH

Complaint narrative:
I have a large consolidated student loan with XXXX  for which I have been paying monthly installments under the Income Based Repayment plan since consolidating my loan with XXXX. Periodically I recertify my income. My monthly payments have always been between {$250.00} and {$300.00} a month. I placed my account on auto-pay from my checking account so as to avoid delinquencies and to pay on time every month. I can not afford payments significantly above this. Because of a one month lapse in my income recertification XXXX  placed me on a default repayment plan. I was horrified to log into my checking account and find that my student loan repayment jumped from {$270.00} on XX/XX/XXXX to {$2600.00} on XX/XX/XXXX representing a payment removed from my checking account of nearly 10X by normal monthly payment! This amount substantially wiped out my checking account placing me under severe financial strain with the possibility of not being able to make my rent. When I called XXXX  they said there was no way to return the money to my checking and that I had to dispute the issue with my bank.

Company response to consumer: Closed with explanation