vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: TX

Complaint narrative:
I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: NC

Complaint narrative:
Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.

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 2017-10-31 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: MD

Complaint narrative:
ON OR ABOUT, XX/XX/2017, YOUR CITIBANK D/B/A CITIGROUP OF XXXX XXXX, NEW YORK HAD WONGFULLY CLOSED TWO OF MY CITIBANK XXXX XXXX ACCOUNTS. THE FIRST CITIBANK XXXX XXXX AACOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE SECOND CITIBANK XXXX XXXX ACCOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE REASONS THAT WERE WRONGFULLY AND RACISTLY GIVING TO ME FOR THEIR CLOSING ( S ) WAS/WERE " ACCOUNT ( S ) INACTIVITY/INACTIVITIES ''. BECAUSE OF MY WELL KNOWN AND WELL DOCUMENTED XXXX RELIGIOUS BELIEFS, YOUR CITIBANK HAD TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY CLOSED MY TWO AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS AFTER REPEATEDLY REFUSING TO LIST MY COURT ORDERED NAME CHANGE OF " XXXX XXXX '' ON BOTH AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS. WITHOUT MY XXXX NAME BEING LEGALLY LISTED ON SAID TWO CITIBANK XXXX XXXX ACCOUNTS, I WAS UNWILLING AND/OR UNABLE TO USED EITHER ONE OF SAID XXXX XXXX AND/OR THE BOTH OF THEM!!!!!!!!!!!.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.

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 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

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 2017-10-31 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: GA

Complaint narrative:
no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
no responds from company or additional information on how to resolved issue half answer from XXXX XXXX still was notified of any changes or updates

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 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
Starting the week of XXXX XXXX I 've been trying to send money to XXXX through Xoom a company affiliated to Paypal but I have n't been able to do it because all of my attempts get canceled. 

I 've never opened an account directly with xoom but I was able to send money with my XXXX account -XXXX until recently that I had to create a xoom account because the other one it  is a paypal account and not a xoom account and I was't able to use it on the mobile app of xoom.

I called the verification department of xoom several times asking for their help including supervisor  XXXX and over several hour long calls up to this date they have n't been able to help me with this situation because they say there 's another account open that I can not remember or I did n't created. I 'm aware of the risks that this situation brings to me, like for example the possibility of a money laundering scheme or problems with the IRS out of an identity theft for me. 

I believe the company might not be compliying completely and correctly with some U.S. Federal  Regulations including the Dodd Frank Wall Street Reform and Consumer Protection Act to detect fraud and other illegitimate uses of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.

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 2017-10-31 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: IL

Complaint narrative:
1st CFPB complaint filed XX/XX/XXXX # XXXX I complained that Experian did not properly validate a debt. Experian responded that they would look into it. They did and agreed to remove the items from report ( XXXX XXXX XXXX ) Experian said that they sent confirmation of removal in the mail XX/XX/XXXX 2nd CFPB complaint filed XX/XX/XXXX # XXXX Confirmation was never received and items still reporting on credit report. Experian claims that the items are NOT reporting on report. 

XX/XX/XXXX- called Experian and talked to XXXX ( in XXXX XXXX ) and XXXX of the United States . Neither would help resolve this issue. 

I have attached Experian 's response to remove item as well as their response that the item is n't listed. Also attached is proof that the items is still listed.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

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 2017-10-31 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: PA

Complaint narrative:
I noticed on my credit report yesterday that there is an outstanding balance from a student loan from XXXX XXXX # XXXX that was opened XXXX, last active XXXX, reported XXXX, with a payment of {$40.00} and past due {$1300.00}. XXXX said this is a failure of TransUnion to not remove this old style of loan reporting and XXXX has this loan noted as paid in full.

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 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One keeps cutting off my credit card for " fraud '' reasons. First, I applied online for the card and was approved. No further information required. 

Then, I called for an unrelated reason and was routed to their fraud department. They said I needed to send in my driver 's license. Understanding the need for verification, I did that. They guaranteed this was all that was needed. 

Then, I get a call telling me that they got the license but now they needed my social security card and a utility bill. I told the person that I had already provided the license, which they had previously told me would be sufficient. They did n't care and made me send in the additional documents, which I did, and the card was active. 

Then, ALL OF A SUDDEN, I had been using the card for some time and Capital One shuts it off without telling me. I call and they tell me they need THE DRIVER 'S LICENSE I SENT ORIGINALLY! It took the man looking through his notes to realize I had provided this and much more already to re-activate my card. 

I understand the need for security but this is ridiculous. Capital One can not just continuously cut off people 's credit cards because they ca n't keep track of the sensitive personal documents that people send in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My checking and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

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