vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Card has consistently sent emails stating they have returned mail - therefore I have not received a statement timely in 10 months. I have had to call Customer Service to a ) to determine the payment due, and b ) request a copy of the missed statement mailed to me and c ) make a payment by phone for months!. I made a note of the due date when this first occured, so thankfully, I have never made a late payment. I have requested the returned mail from Citi Customer Service to show the postmaster, as all of my other bills arrive without incident. I was refused the returned mail. My address has not changed in 13 years. I contend that Citi Card is not even mailing my statements - hence the refusal of the request for the actual returned mail. It is such a simple matter to mail my statement, a matter Citi can not seem to accomplish. I also wonder if this is a deliberate attempt to cause a late payment - which would result in a greatly increased interest rate as well as late fees. On XX/XX/XXXX I spoke with a supervisor who stated she had rectified the problem - and had removed my email address from the account - I promptly received an email from Citi Card confirming the conversation and a subsequent " returned mail '' notification shortly thereafter. The mystery is I always receive the " returned '' statement copies - but never the current statement. Which is why I do think this is a deliberate ploy by Citi to cause a late payment.

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 2018-04-07 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXXXXXX XXXX  keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

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 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX  on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I made an online payment in CitiGroup Credit Card account in time to pay off the balance of a balance transfer whose rate would change on XX/XX/XXXX to 22.49 %. Please note I made 5 calls to customer service at CitiGroup during the months of transfer period inquiring what my interest rate would be and was told every time they did not know what the rate would be- then when I called in XX/XX/XXXX( within 30 days of expiration ) I was given the new rate. Unreal! I have a high credit score and I was dismayed - I told that clerk that I would be paying off that part of my balance in time. He did not tell me to wait until the day AFTER expiration. Anxious not to incur high interest I paid ahead to make sure it posted on time. Logging in today I see they moved that balance to the " standard '' rate and that because I had another balance at .99 % they applied my payment to that and not the original sum. They quoted their agreement which says " highest interest first '' and refused to apply my payment of {$3800.00} to the balance in question.

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 2018-04-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
harassing letters from a new lender

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo published false and derogatory in formation about me when reporting to credit agencies. I wrote to them and they replied telling me the apologized and had corrected the issue. However, my credit report again shows they published new information with additional false claims. How can I get them to stop this defamation permanently?

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 2018-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am repaying my son student loans both prvt and public on I have been paying on the loans for several months but when I called to check on payments adjustment that would run out soon the CSR told me I had not made any payments. I have bank statements, I asked the CSR what happened to all the payments she said there were none. This was very discouraging I have made sacrifices to pay these loans right at {$400.00}. a month. I no longer trust what these people tell me. I need help with these loans. I want copies of the paper work showing my responsibility for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion XX/XX/2018 File # XXXX XXXX XXXX I gave Transunion copy of application that XXXX XXXX gave me. The application had a different middle initial than mine. Transunion have been given proof that the account is not mine and still will not take it of.

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 2018-04-07 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Hello, I was unable to find the correct option for my complaint as it was not available on your menu. However, the complaint is still important and in need of your help. I have an Experian account that I have been trying to cancel since XX/XX/XXXX2018. I have used the proper phone numbers provided by Experian on their web site and was kept on hold for over 45 minutes the first two times I made this attempt back in XX/XX/XXXX 2018, and yet no customer service rep picked up my call. 

I discontinued the credit card I was using to pay for my monthly Experian report due to this inability to cancel my membership and I made two additional attempts to connect using the proper phone channels and had the same experience with being kept on hold for longer that 30 minutes and still no customer service rep picking up the call. 
I work two full time jobs and it is almost impossible for me to have enough time to sit on the phone for these long periods of time in hope that for someone Experience will eventually take my call.. 
This morning I spent the past TWO hours on hold ... I used the two different phone numbers suggested by Experian and I XXXX to see if anyone out there could guide me to a more successful strategy. 
I found an email address and sent my complaint and request for canceling my account but was told that the only way I can cancel my membership is through the very same numbers I have been dialing this entire time. 
I am now getting emails from Experian stating that I now owe them for my membership even though I have done all I can think of to get this situation resolved. THIS is absolutely unacceptable as their membership documents state that my membership is not cancelled unless a customer specialist does it for me. So, how am I to cancel my membership as they request if they do not pick up their calls? 
I hope you are receiving other complaints from Experian customers who are trying to discontinue their membership so that you can help Experian develop a successful strategy for other consumers who simply wish to discontinue their membership and help those of us who simply wish to discontinue our membership.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc
State: OH

Complaint narrative:
Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair 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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I am writing in regards to a collection account IN AMOUNT of { {$600.00} } that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/2018 File # XXXX Wells Fargo I gave XXXX  copy of application that Wells Fargo gave me. The application had a different middle initial than mine. XXXX  have been given proof that the account is not mine and still will not take it of.

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 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
duplicate listing on my report. the debt was transferred to another company. I paid it but the original listing still appears on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have a a unverified account from MEDICAL DATA SYSTEMS INC # XXXX. I had previously disputed this account.I have already paid off all medical accounts.MEDICAL DATA SYSTEMS INC is in violation of HIPPA act laws by continuing to report negative information about an account that has already been handled and paid in full. I am in the process of buying a home and this account is still showing and Medical Data Systems no longer owns any of my personal medical records.

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 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2018-04-07 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: TN

Complaint narrative:
I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TN

Complaint narrative:
I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/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 2018-04-07 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: TCF NATIONAL BANK
State: CA

Complaint narrative:
the loan was paid off but XXXX. and XXXX show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: CA

Complaint narrative:
the loan was paid off but XXXX. and Equifax show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. 
It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. 
It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. 
They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. 
XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. 
They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. 
Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. 
Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TN

Complaint narrative:
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TN

Complaint narrative:
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance

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