vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in 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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax # XXXX is reporting need to be updated XXXX XXXX XXXX is still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 2017-12-06 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: NV

Complaint narrative:
Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in 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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY EQUIFAX AND XXXX NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. EQUIFAX AND XXXX  HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: HW Holding, Inc
State: CA

Complaint narrative:
Recently, my credit report had an unpaid collections report from Hunter Warfield Inc. XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. They state that I owed XXXX. I have told them and the XXXX that they bought the account from ( XXXX XXXX ) that I have never had any business interactions with XXXX XXXX. I invited XXXX XXXX to send the information to me by mail and they refused to do so. I also invited Hunter Warfield to send the information to me by mail and they also have failed to do so. Because of Consumer Fraud risk, I do n't give out personal information on the phone nor do I pay a bill just because someone thinks that I owe it. Engaging one in a conversation about a nonexistent bill is a perfect way to get personal information from one who is unsuspecting. I told XXXX XXXX to send the information to me in the mail approx. 10 times. To date I have received no information. To my knowledge I have never interacted with them for any purpose let alone a business purpose. If they or Hunter Warfield, Inc have sent information to you indicating that I owe them money, I fear that this is fraudulent since I have never been sent documentation showing that I owe them money. Please have this item removed from my credit report ASAP. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XXXX XXXX of XXXX I initiated an balance transfer for {$6200.00} from XXXX XXXX ( total rewards XXXX ). After three weeks I contacted the bank through secure messaging. I informed them that the transfer was not received by XXXX XXXX. I have called them multiple times and always get a run around and have never been contacted by anyone by phone. After the last call the send a letter stating they are working on my inquiry ( dated XXXX/XXXX/XXXX ) ... this was the second letter. So now for 5 months I have been paying the balance on two credit cards. 

I feel I have exhausted extensive time to solve this problem with this bank and do not see a resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Bank Number : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.

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 2017-12-06 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: FL

Complaint narrative:
XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. 
At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CA

Complaint narrative:
This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.

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 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 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 explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.

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