vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-18 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.

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 2018-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.

Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report. 

Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing. 
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: NY

Complaint narrative:
1. I do not recognize the following hard inquiries : XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # 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 2018-02-18 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was diagnosed with two different types of XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX., XXXX on the XXXX scale. 
I went through XXXX and XXXX XXXX XXXX XXXX, the longest 9 hours, to make me a new XXXX.Also 30 nights in hospitals My adjustable loans were planned to become fully amortizing around XX/XX/XXXX. 
In XX/XX/XXXX, I called, went down to the branch, a year ago and wrote to bank of America for a modification to get me back on my feet ... now a full 3 years later it looks like I have beaten both. 
I have been moved from associate to associate and repeated times been asked for the same information, which was lost or " not legible. ( which I have always provided ) In the month of XX/XX/XXXX along, I called, sent e-mails and faxes over 100 times. 
I am 100 % on time with everyone on my credit report, inspite of what I went through. 
I have been a customer of Bank of America of almost 40 years and have never been late on a payment. 
I have heard many horror stories as to Bank of America telling customers, in a predatory fashion, that don't worry " we are here to help '' and the next thing you know they are foreclosing. 
I want to do the the right thing but I need another XXXX lb XXXX on my side ... I'm just asking them to work with me.When I ask for answers, help or a plan ... .they keep pushing out the potential for an answer another month..now we are to XX/XX/XXXX ... ..a full year since I requested assistance.This is not what XXXX XXXX had promised XXXX XXXX and I'm sure congress got the same reassurances from this gentleman that modifications would be handled promptly and the customers contact would be limited to one B of A contact ( I have had close to 10 ). 
Where is the help from tis company that I have been with 40 years ... I'm I becoming just another " mark '' for predatory banking.

During Hurricane Irma, I was given a three month forbearance ... .The Bank  representative said that that money would be put on the end of the mortgage ... I'm know getting indications that the money they differed is due now. This has to be rectified, as well. 


Respectfully, XXXX 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 2018-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On or about XX/XX/2018, XXXX XXXX XXXX placed a fraudulent account on my credit reports with XXXX, Transunion and XXXX. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. XXXX and Transunion have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, Transunion and XXXX are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.

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 2018-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
I do not know who they are or what they are looking for out of me they are based out of XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: NY

Complaint narrative:
On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/XXXX. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX  's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! 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 2018-02-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! 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 non-monetary relief
Consumer complaint received 2018-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: NC

Complaint narrative:
I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. 
In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. 
We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. 
We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: AZ

Complaint narrative:
XXXX XXXX XXXX have filed via XXXX XXXX. that I owe them {$160.00} for services on XX/XX/16. 
I was quoted by Manager {$110.00} for the service. 
The cleaning was very inadequate and 5 items were missing from my home. 
I attempted to work things out about the pricing and that things that were missing but the Manager never responded to my call. I called again the next day and explained the situation and the Manager ... .just sat on the phone not responding! Never said a word!!

My XXXX comments never even got a response!

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