vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone wrong.

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 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo posted a check to my  account on  XXXX  in the amount of {$2900.00}. On  XXXX  {$2900.00} was deposited into my account and I had more than enough to pay the difference.     They claim that it was received on  XXXX . However, everything on their mobile banking states " Posted  XXXX . '' This seems like that game where they re-order the transactions in order to charge at NSF fee. Even though they paid the check out. Which, if the funds were n't there, why would a bank pay out {$2900.00} in overdraft??     They knew the funds were there and had no problem paying the check. The check even " posted  XXXX  '' according to their website. Yet, somehow, the check " withdrew '' on  XXXX  and paid out without the proper funds in my account and they let it through, only to charge me an NSF fee.     Eventually they waived the fee after " educating '' me on their procedures. However, this seems a lot like the stuff banks have gotten in trouble for before.

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 2017-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
back in  XXXX  when I bought my home was a interest only loan for 5 years it was suppose to change to conventional in  XXXX  .i go t a letter from citi mortgage 6 years later that my payment before escrow was going up from  XXXX  to  XXXX  in  XXXX   XXXX  if it would of adjusted when it was suppose too it would of went up to  XXXX  in  XXXX  instead of 2400.i feel something not right.so in 6 years we paid  XXXX  an there only crediting  XXXX  towards the 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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: CA

Complaint narrative:
I am requesting assistance the assistance in regards to a background check was performed on  XXXX   XXXX    XXXX   b y Checkr Inc. on  behalf of  XXXX   XXXX   XXXX . The background che ck by Checkr Inc. le ad to my  XXXX  driver account being placed on hold after being a  XXXX  for 10 months and being in compliance of California  Assembly Bill No.1  XXXX   XXXX   XXXX  . Checkr has be en informed that information they are providing my employer/partner with inaccurate or incorrect information and have been ask to correct the issue. Numerous emails have gone answered and my phone call has been stonewalled with basically both companies pointing the finger at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  LVNV FUNDING whic h is reporting negatively on my credit reports. LVNV is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.

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 2017-04-26 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: RI

Complaint narrative:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

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 2017-04-26 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My  Student loan is h eld thr ough Navient and is paid through Autopay th rough their website. I recently changed  banks (   XXXX    XXXX    ),  and I added the new bank through their website. In  XXXX  of   XXXX  , I was notified I was being charged a late fee because I did n't pay my monthly payment. I called, and customer service told me they could see I made the switch, but it " had n't taken effect yet. '' I questioned the length of time, but was assured it would go into effect for the  XXXX  cycle. So, I manually made the payment on their advice so I would not be in default. I was just notified to day (   XXXX / XXXX /  XXXX    ) that once again, my payment was late. I have attempted to call 6 times - each time I wait 10-15 m inutes, and when the call is answered, it cuts in and out and I am unable to speak to a representative. I am asking for your assistance in resolving this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop my credit score as if they are punishing me for asking for them to send me proof of accounts disputing belonging to m e. Equafax just again dropp ed my credit score because I made on time payments and my balance decreased. I do n't know how this can be legal your credit score should go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There was an error on my employer 's behalf with submitting tax documents.

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 2017-04-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Inquiries added to my report that I did not authorize

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have  a credit score o ver  XXXX  and a credit history  of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have   XXXX   XXXX  . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I submitted an application with TD bank back in  XXXX   XXXX  and never openned the account never funded nor even activated the debit card. I then saw a promotional rate to receive {$150.00} for being a new client after depositting {$500.00} within the first 60 days of openning the account. Minding I had the application from  XXXX  i called customer service and asked if I qualified and gave them my information as well as explained my situation stated above. I was told by a  TD bank associate their was no issue and I qualified for the promotion. I have called 3 times  about the promotion and no one has brought up an issue until today Wednesday    XXXX   XXXX   XXXX   . My call eneded with a supervisor by the name of  XXXX  today  XXXX / XXXX / XXXX  at approximately   XXXX   XXXX   telling me I did not qualify for the promotion due to having a profile in their system from  XXXX  and was advised by her to walk into a branch to fix the issue. I walked into a branch today Approximately at    XXXX   XXXX    on the location on  XXXX   XXXX  and  XXXX   XXXX  in  XXXX . I was then advised by an employee by the name of  XXXX   XXXX  ( might be misspelling name ) that this was incorrect information due to my account being openned online which was known by every associate " assisting me '' and that " the customer service center is know for giving customers incorrect information '' this is sad and wrong. I want either all my fees returned for having the account open or I want my  XXXX  misleading bank and associates.. bunch if crooks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from   XXXX   again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative (   XXXX   ). Incorrect address (  XXXX   XXXX   XXXX   XXXX   ).   XXXX  revolving account  XXXX   XXXX   XXXX  and  XXXX  credit card. Also, a incorrect name  XXXX   XXXX . I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.

Company response to consumer: Closed with explanation