vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One -- XXXX  and XXXX still shows I have a debt with Capital One for {$150.00}. 

This account has been off in FULL. I have numerous documentation and Capital One itself will agreed account has been closed and paid off. 

I disputed directly with XXXX  and they refuse to fix it on their report. Same with XXXX. I have contacted Capital One numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XX/XX/2001 has a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
When I wasn't able to collect my bonus from Citibank I filed a complaint with cfpb. The bonus then posted. I moved my money to another bank via Citi check and waited for my Citibank checking account balance to show XXXX balance. When I went to close my account and was asked for the reason, I advised Citibank it was very difficult to collect the bonus and had to file a complaint with cfpb to receive it. At that time my account was blocked and I didn't have access to my funds. Citi then took the money back from my bank. 
After multiple contacts with Citi they assured me the money was in the mail as of XX/XX/XXXX and would arrive no later than XX/XX/XXXX. It did not arrive and now Citi states there is a block but will not tell us why there is a block. It appears to be due to the fact we filed a cfpb complaint but we can not verify. 
Today Citibank told us they are closing the account but will not tell us when. They advised us that when it is closed we will receive our money in 5-7 days. Possible the first week of XX/XX/XXXX. We don't have much confidence that they will actually follow through on this statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-22 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: NY

Complaint narrative:
XXXX XXXX -- TransUnion and XXXX still shows I have a debt with XXXX XXXX for {$150.00}. 

This account has been off in FULL. I have numerous documentation and XXXX XXXX itself will agreed account has been closed and paid off. 

I disputed directly with TransUnion and they refuse to fix it on their report. Same with XXXX. I have contacted XXXX XXXX numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XXXX has a XXXX balance.

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 2018-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX  credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. 

I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.

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 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wanted to let you know that Citibank has been calling my work and my Mother 's house and has continuously been pretending to be someone else in order to get me to call them back. I have been trying to work with them but at this very moment after theiere interest and all the late fees I am currently not able to do so. 

I still feel just because I can not pay them as of today they should not be allowed to call and harass me and not only that call and pretend to be someone else. The have continuously called not only my family but they have also called my Mother 's home number and I have asked them to stop but they keep calling.

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 2018-12-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
XX/XX/XXXX : received mail indicating XXXX XXXX XXXX XXXX XXXX has named me as a defendant in a lawsuit. The amount I'm being sued for is {$56000.00}. This is a private student loan taken out in XX/XX/XXXX.

This mail did not come from the aforementioned party or the agency which bought my debt ( Weltman Weinberg & Reis Co. LPA [ WWR ] ). This mail came from a law firm, with language suggesting I file for bankruptcy.

I have yet to be served for this debt, so there is no scheduled court date.

A phone call with WWR on XX/XX/XXXX had me sending an email containing two pay stubs, two bank statements, and a thorough listing of monthly expenses, in addition to a monthly payment offer I believe I can reasonably make. I was told that my offer ( $ XXXX/mo ) would be either approved, denied, or met with a counter-offer. The counter-offer was nearly double my own ( {$400.00} ), and additionally would require that same amount ( {$400.00} ) from my co-signer of the loan from XX/XX/XXXXthe cosigner being my mother, who is retired and living on social security. My mother filed for bankruptcy herself back in XX/XX/XXXX, at which point she and my father lost their house and now rent a one-bedroom apartment. I've been told that even with regards to her hardship, the party will continue to pursue my mother for this debt that should have been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I began repaying my XXXX XXXX student loan in the earlier part of XX/XX/2017. I was ordered to pay around $ 1300/month. I did this for a few month but literally would be negative in my bank account or with just a few dollars left at the end of the month. Called XXXX XXXX to explain I couldnt afforded the current payment plan. The XXXX XXXX rep told me to let my account go into collections to prove I couldnt afford my current payment so that they would work with me to lower my monthly payments. I didnt know any better so I did exactly what she told me too. XXXX XXXX eventually called me and then offered to lower my monthly payments to $ XXXX/month. However this reduced payment plan only last 2yrs then it goes back up to $ XXXX/month. Also I fee that XXXX XXXX trapped me by telling me to let my loans go into collections because I cant even refinance the loans due to the collections being on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for the Citibank AAdvantage Platinum business card. I was declined even though my credit score is over 720 and I have a perfect pay record. Citibank claims I filed for bankruptcy which is untrue, have not been able to deliver any proof of this, and I now have another inquiry with no result. 

My belief is that I was penalized due to a card owned by my Mother, and I was an authorized user. My mother died with a balance and I am now being penalized by Citibank. This is inappropriate and I need it rectified as it may trickle somehow to my current credit file and do serious damage. 

I have over $ 100K in business credit card credit, but this was for an airline I use regularly. 

I spent almost two hours and transferred to multiple people, then told, sorry, you must call another department.

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 2018-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage company is called XXXX XXXX XXXX/ My Loancare. Ever since our mortgage was sold to them 2.5 years ago, they consistently do not pay our property taxes on time which results me in having to call and beg them to pay on a quarterly basis. Every 3 months like clockwork we receive mail from our town stating our tax payment is overdue and we are being accessed late fees, or even worse, that our home will be " advetised and sold under the provisions of N.J.S.A 54:5.19 ET SEQ, which governs the enforcement of the collection of all unpaid taxes ''.

We have more than enough cash in our escrow account, there is no reason why they shouldn't be paying our tax bills on time. Our tax bill this quarter was due on XX/XX/XXXX. We reached out to them first on XX/XX/XXXX and asked them to pay, then again on XX/XX/XXXX when we received the tax sale notice. The assured me they would and would send the check overnight. We get a call today saying they sent the check via regular mail on XX/XX/XXXX and could not confirm it was paid. When we called our city 's tax department, they verified they have not received the payment. They said my taxes have been sold and there is now i lien on our property.

Now our credit score 's are damaged because of this company 's inability to pay a simple tax bill for us. We are sick and tired of fighting with them every 3 months about the same exact thing.

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 2018-12-22 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: NJ

Complaint narrative:
I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 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: NJ

Complaint narrative:
I have submitted a complaint to Experian with regards to an accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Experian with regards to this account. Please remove the following account from my credit file : XXXX XXXX XXXX XXXX - Opened XX/XX/2011 XX/XX/2011

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 2018-12-22 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: MI

Complaint narrative:
I have been the victim of identity theft someone has been running my credit and trying to open multiple accounts and bank accounts I am going to place a lock on all credit bureaus please place a fraud alert on my credit report asap. The following inquiries are fraudulent and not mine : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2018-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
This is not a debt I owe. This is money owed to me from a debt collection agency. 
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund. 

I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX   used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been the victim of identity theft and will be placing credit locks on all bureaus. The following inquiries are fraudulent and not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2018-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Municipal Collections of America Inc.
State: OH

Complaint narrative:
On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo - enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record. 

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there. 

I then googled, " The XXXX of XXXX '', and came across the City clerks phone number, who transferred me to the police department. After speaking with one  of the officer 's, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see. 

Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the " alleged '' Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a Bank of America cash rewards credit card. I maxed our my credit limit ( {$1500.00} out of XXXX ) and missed a payment on XX/XX/XXXX. I recently have gone through financial hardship and been trying my best to pay all my payments on time. My Step Father is a XXXX XXXX and he had to quit his job due to XXXX  on his feet, XXXX, XXXX XXXX, and XXXX XXXX XXXX. He's not in a healthy physical condition to work for the rest of his life. Now it's my job to take his place. I'm only XXXX years old and I'm taking care of my family, paying bills, working, and running a business all at the same time. However, I got a new job ( XXXX ) with a company ( XXXX XXXX ) that's paying me XXXX/hour and now I'm financially stable. I've had 1 year, 1 month of on time payments with Bank of America would you guys be able to forgive me and allow me to show you that I am a responsible person this was just unfortunate. This will be my first and last negative remark on my credit card from now on. I'm going to pay off my credit card this week so by next month I'm back to square one. Thank you for understanding.

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 2018-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
I had always been able to make my mortgage payments and pay my other bills on time until I lost my job and invested in a business that failed a few years ago. Both of these events caused me tremendous finance loss and I fell behind on my mortgage. My mortgage loan was recently transferred from XXXX to Caliber Home Loans. I recently found out that I apparently was offered two loan modifications by XXXX. This is news to me, as I would have happily agreed to them had I known about the offers. Unfortunately, XXXX never sent me the offers or contacted me and, thus I was unaware that there were options to correct my deficiency. I have overcome my financial difficulties and I am currently in a very good position financially and will be for the foreseeable future. When I became delinquent on my mortgage, I didnt know at the time that I could reach out to my mortgage servicer and receive mortgage assistance, as the thought never entered my mind and I was busy with other things in my life. After taking a look into this, it appears that they should have reached out to me or sent me documentation advising that I had options to get my loan caught up. If so, this would have been resolved a long time ago, but I never had a single point of contact or any other action that would have saved my home from going through foreclosure. I unfortunately was forced to protect my assets legally by filing for bankruptcy, but this is a temporary solution and I need Caliber to work with me so solve my delinquency.

Company response to consumer: Closed with explanation