vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.

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 2017-06-02 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: NC

Complaint narrative:
Our issue is with  a Wells Fargo   XXXX  mortgage, reporting an incorrect late payment. We used to own a home in NY, which we sold and closed on  XXXX   XXXX ,  XXXX . We have a letter of satisfaction fro m Wells Fargo d ated  XXXX   XXXX ,  XXXX .  Wells Fargo is r eporting that our payment was late in  XXXX  of  XXXX , which was 2 months after the account was closed ... .so clearly, it is being reported incorrectly. We have been in the process of trying to purchase a new home, and thru this process, we have been addressing the fact th at Wells Fargo is incorrectly reporting this account. We have personally reached out to Wells Fargo to ad dress the matter in  XXXX   XXXX  and two times in  XXXX  of  XXXX  ; we had a conference call with our new mortgage lenders credit reporting com pany & Wells Fargo, where Wells Fargo stated on the phone t hat the  XXXX   XXXX  late payment reported on our credit is incorrect, and they confirmed that the account was closed in  XXXX  of  XXXX  ... ..however the late payment from  XXXX   XXXX  is STILL on our credit report, and is now delaying our closing on the new home we are purchasing. We have been told that in order to get the incorrect late payment reported in  XXXX  of  XXXX  removed from our  XXXX  credit reports, that we must get a letter fro m WF that spe cifically states that the late payment from  XXXX  of  XXXX  was reported incor rectly. We have attempted to get such a letter from Wells Fargo, however this has not been a easy task .

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 2017-06-02 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: First Consumers Financial LLC
State: LA

Complaint narrative:
First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
In early  XXXX     2017 I contacted Fedloan Servicing through their message center requesting a DETAILED report of which payments they deemed as " qualifying '' for the Public Service Loan Forgiveness program including which dates and months that were not deemed qualifying and why. I was told they would  need 90 days to produce a detailed report ( not just a total number of qualifying payments, which is all they had provided ). I asked for this report because my calculation of qualifying payments was significantly off of the 79 months number they provided. I have contacted them several times through their website and by phone regarding this request not being fulfilled since  XXXX . Most recently  XXXX   XXXX ,  2017 I was t old a supervisor would be looking into why it has taken 5 months to produce this report. I still do not have a report. This is unacceptable as I am paying this servicer to service this loan, yet they are not providing a basic service of showing how they came to a number that is in my opinion incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My daughter opened a fraudulent credit card account in my wife 's name and attached it to our bank account. It was open from  XXXX   XXXX  until  XXXX   XXXX . Chase bank is doing very little to help us. We have filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MD

Complaint narrative:
My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. Thank you

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 2017-06-02 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: Nelnet, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: OH

Complaint narrative:
Three times Navient has put me into Administrative Forbearance. I am enrolled in Auto payment so the money is taken directly out of my account and the payment is drawn from these accounts. I am also making payments on my children 's loans through XXXX XXXX College and XXXX XXXX University which is also being affected. Not only am I being charged interest for back pay but my credit score is being lowered because of delinquent pay which is not my doing. I am hoping for some help so this does not continue to happen.I am living paycheck to paycheck and ca n't afford to have interest added for things that have happened Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I currently have a collection account on my credit report from portfolio reconvert associates,  LLC Re  :  XXXX  Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a license to collect debts in the state of   XXXX   XXXX   XXXX   XXXX  according to   XXXX   XXXX   XXXX   office of financial regulations. I am requesting that you delete this account from my credit report or provide me physical proof that they are licensed to collect debt in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CONDOR CAPITAL CORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Condor Securitization Trust ( formerly known as Condor Capital Corp ) to request a Paid in Full Letter. First the representative said my account was bought by XXXX and to call them. I immediately called XXXX which advised me that they did n't have my account. They looked me up by my SS # and Phone # and no luck. I called back to Condor and then i was told they had to request the Paid in Full Letter which will take 24-48 hours to receive. On XX/XX/XXXX, I called Condor again and this time I had Condor and XXXX on the phone. XXXX, again told me they do n't have my file. XXXX hung up and I was alone on the phone with XXXX ( Condor Representative ) which he told me the account was written off XXXX for XXXX cent and they received my last payment in XX/XX/XXXX. I beginning to explain to him that you only write off an account when the person who owes you money is not going to pay. I mentioned to him I paid the account in full and your company sent me an refund check so why would you write if off. I asked for a manager but then he put me on with a supervisor name XXXX XXXX. I went over the same conversation i had with the other XXXX. XXXX XXXX, said the Manager was in a meeting and that he will get back to me in 24-48 hours. XXXX XXXX also explain to me there 's nothing they can do since the file was sent to XXXX in XXXX. I told him why would a file be sent over to XXXX in XXXX a year after i paid it off. He said his system ca n't pull a transaction history or give me a Paid in Full letter since they do n't have the file anymore. I explained to him I 'm so confused because clearly I made all my payments and you guys are pulling a scam. He said i 'll send your file to upper Management and they will call you 24-48 hours. I called DMV which told me the title still had a lein on it. On XX/XX/XXXX, I called again to speak to a Manager and no luck again. I did speak with another representative which told me my account had a XXXX cent balance but it was waived but a Manager will call me in 24-48 hours.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-02 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: NC

Complaint narrative:
I have a 30 day late showing on my credit report for  XXXX   XXXX  for Experian from  XXXX   XXXX   XXXX   XXXX . I contacted  XXXX  about this issue because i was never late on a payment. I 've had this account for 7 years and never paid late.  XXXX  advised me that they dont even report to Experian, and havent since  XXXX   XXXX  I contacted Experian and demanded that the late be removed Immediately. All they did was open a dispute for me which is counter productive and time consuming. It should be removed immediately because it is an error on Experian 's part.  XXXX  says that they do n't know how Experian got that data, because they do n't use them to report. I am in the process of doing a refi, and need this to be removed ASAP.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.

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 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.

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