vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed XXXX XXXX and 2 collection accounts on my report. XXXX XXXX was paid off and is over 7 years old. The 2 collection accounts were from XXXX hospital and I disputed those as well because when I was in the process of getting XXXX for my numerous eye issues, the hospital accidentally billed me for my procedures. XXXX and XXXX looked into all of these disputes and found out that I was correct and removed them immediately. Equifax keeps playing games with me. They keep saying that they can't verify me over the phone because my answers about the creditors are incorrect. What the XXXX are they talking about? I answered every question that they asked me. The answers are probably wrong because they have inaccurate information. I call them every week and try to go on-line every week. This is ridiculous. They are basically holding my credit hostage. Could you please  contact Equifax and find out what the problem is and tell them that I am entitled to an updated credit report by law ... after I had disputed those items. Please contact me to let me know the status. In the meantime, I will contact this XXXX  in writing AGAIN!!!!!! Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I canceled my phone bill. I have never been contacted since then to be advised of any outstanding balance. On XX/XX/XXXX I found a collections account on my credit report by GC Services for {$370.00} that was placed on XX/XX/XXXX. GC Services stated they received the account being past due in XX/XX/XXXX ( less than 90 days from cancellation of account ). I contacted the phone company and paid the balance in full. The phone company advised they would have GC Services remove it from my credit report as a collections account. 

As of XX/XX/XXXX I contacted GC Services directly to request them to remove it from my report. They are refusing to remove it from my credit report as they claim that they attempted to contact me numerous times and always got voicemail and never a response by mail after mailing letters in a white unmarked envelop. 

As of XX/XX/XXXX I never got any notification from them and I never received any type of Certified/Signature mail to ensure receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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:
On XX/XX/2019 We electronically overpaid Citicard {$14000.00}. This card had no balance due and had not had a balance due for several years. We became aware of our error on XX/XX/2019. I contacted Citicard XX/XX/2019 and requested a refund of this money through customer service. I was in contact with the customer service on 4 occasions over the period of the review process which we were told would be refunded electronically back to our account within 3-5 business days. On the 5th day I called for a status report. I was told because of the amount it would take longer and they could not give me a range of dates or any answers to my questions. The representative reported it might take and additional 10 business days but wasn't sure. 

I spoke to a supervisor who told me the same thing. 

Of the 4 different representative I was consistently told 3-5 days, now that the deadline is due I receive a different story. 


As a side - this card has had a zero balance for several years and is kept only as an emergency card.

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 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
My complaint is with Second Round Sub, LLC. This company sent me an Invoice in the amount of {$3000.00}. They purchased this from the original creditor XXXX. 

I am not in contract or never was in contract with Second Round Sub, LLC. In their Invoice, they stated at the bottom that they can not sue me as the law limits show that the age of the debt is old. But, Second Round Sub, LLC is trying to mess up my credit Report with this extortion notice. 

As of XX/XX/2015, my debt with XXXX XXXX was charged off. As of XX/XX/2015, XXXX no longer showed that XXXX reported any debt owed to them. Also, I had a lawyer working with me on this case with XXXX. They did not respond to any of the lawyer 's notice. The debt with XXXX is old and charged off and no longer showing on my Credit Report. 

Second Round Sub, LLC is trying to damage my credit report. Again, I am not in any contract with this company. They are fraudulently contacting me for a debt that I do not owe them. I do not trust this company and see them as harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a checking account in Citibank on XXXX XXXX, 2018. The banker enrolled me in a promotion for {$200.00}. It said I can get {$200.00} if I deposited {$5000.00} in 30 days and keep it for 60 days. I made the deposit on XXXX XXXX and kept it until XXXX XXXX. It is 75 days. But I haven't received my promotion. I have contact with their customer service. They just kept asking me to send them my Form XXXX. And I have sent several times. But they never paid me the promotion.

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 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This will be my several attempts to get this issue solved i have asked XXXX to send validation of these debt they state i owed all they send it dates and amounts i have asked to send me orignal paper with my signature stating i signed these documents and have refused to to send how can you tell some one they owe money and there is no proof besides dates and amount ars is voilating my rights asking for validation once again please send me proper paper work

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 2019-04-01 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: CO

Complaint narrative:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with TransUnion in particular and to lesser extent by XXXX and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to 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 2019-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: NC

Complaint narrative:
The date was XX/XX/2019. And the loan amount ask for the vehicle was XXXX XXXX dollars and +.I inquired about the vehicle at XXXX XXXX in XXXX N C. I do bussiness with XXXX XXXX XXXX in XXXX NC . Instead XXXX call XXXX XXXX XXXX in XXXX N C. And XXXX specifically ask for a man name XXXX. I was handed the phone without the knowledge that it wasn't XXXX  XXXX XXXX in XXXX N C. I also did not authorize XXXX to contact Lendmark to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is XXXXeporting the following fraud accounts : 1. XXXX XXXX  - XXXX XXXX XXXX 2.  XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX Equifax   is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Experian is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed

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 2019-04-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened an account with Chase Auto in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9  months early. 
I received a letter from Chase in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the Chase Auto Bank to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They let someone withdraw {$400.00} out of my account which caused it to overdraft. No one had or has any of my pin or banking information. When I called and reported it as fraud, they simply told me that because of the geographical location was close to my home, I owed them the {$400.00} and the overdraft fees. I refused and told them that was not correct. They insisted they would not reverse that fraud and basically I was out {$400.00} of my hard earned money and I owed the overdraft fees. They withdrew money from an atm in XXXX XXXX. I live in XXXX XXXX. There is no way that is relatively close to where I live. That put me behind on my car payment and I almost lost my car because they didnt care. And they are still hounding me for my owed {$400.00} plus overdraft fees!! Ridiculous!!

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 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
In XX/XX/2017, I initiated automatic payments over the phone with a XXXX XXXX representative, XXXX XXXX. I provided my bank account information over the phone to set up the automatic payments. The customer service agent took down and processed the incorrect bank account number when setting up the auto payment. When the payment did not withdraw from my bank account, I contacted XXXX at XXXX XXXX and he clarified that this was an error on his end. He assured me that it would be resolved and it was nothing to be concerned about and it would not be marked as a late payment or a derogatory mark on my payment history and credit. However, it was never corrected. I have made countless calls to XXXX XXXX over the last year and a half and was told by various representative and supervisors that these events never happened, and that I gave the wrong numbers, even though their representative explained to me that it was he who made the clerical error. They will not allow me to speak with XXXX, the account manager who initially worked with me to set up the payments and who made a human error in recording my account information. They told me there is a recording available of our phone conversation which they reviewed, but they will not allow me to hear it nor provide me with any additional documents or recordings to support their claim that it was I who made the mistake. Due to nothing more than an error of a XXXX XXXX representative, the payment was not received and considered late and is still showing as a derogatory mark on my credit, and the only late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I called New Rez to indicate that we wanted to fully pay off our mortgage before the next billing cycle. They sent us an email that indicated how much would be due if we paid on XX/XX/XXXX. Upon reading the document I noticed a per diem charge, and so we decided we would pay in full on XX/XX/XXXX to avoid the per diem charges. 
When I called XX/XX/XXXX to initiate payment, the representative on the phone said that I should just disregard the per diem note as there would be no difference in price if I paid on any day up to XX/XX/XXXX. With this I decided to forego payment temporarily. 
I called again on XX/XX/XXXX to initiate payment, and the representative said that I had been misinformed as there was in fact a per diem charge, so I decided to pay right away. She did not inform me, though, of the XXXX cutoff for payment until I called back to inquire about this later in the day. The XXXX cutoff meant I would have to defer payment for another day. 
I paid off the mortgage in full on XX/XX/XXXX, and then wrote a letter of complaint ( attached ) to XXXX XXXX, the President and CEO of NewRez for the inaccurate and misleading statements made by his customer support team. My letter was completely ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On the day I purchased my car from Huyndai dealership in XXXX XXXX, Ca on XXXX XXXX I had already been pre-approved by my bank for a car loan. The financial Manager, XXXX XXXX, promised me a lower payment and interest rate, he was very pushy and would not let up until I went with his institution. He did not provide me with any person copies at the time of signing and just pushed me to sign without explaining what I was signing. He stated that I would get an email with a copy of the agreement because his dealership no longer provided paper copies. I did not receive any email and I even checked my spam folder. It was until a month later that I received anything. The agreement showed that I had a larger payment and much higher interest rate. I attempted to solved the issue with the Huyndia dealership and with XXXX XXXX but he was very rude and raised his voice while I was attempting solve my issue and even made fun of how I spoke English which is not my first language.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My mortgage is with Carrington Mortgage Services. I have been making my payments electronically but the company has been continually returning the payments. I'm now 6 months behind and an appraiser came to my home a week ago saying he was doing an assessment of the property because it's in foreclosure and scheduled for sale on XX/XX/19. I NEVER received any notification of foreclosure. I never receive statements of my account. I had called when I was a few months behind and they agreed I could make weekly payments to catch up but again they returned every payment. Today I had to go to my parents to get the {$6500.00} to stop the foreclosure. That amount includes over {$2400.00} in " other '' costs. This company is terrible!!!! Someone needs to investigate their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My vehicle was repossessed on XX/XX/2019 approximately XXXX XXXX   from my residence in XXXX OH, I did not receive a letter stating how much I would need to pay to retrieve the vehicle, the lender then sold the vehicle at auction and I did not receive a letter stating the sell of the vehicle. I found out by the balance lowering on my credit report which states I owe them around 12K. I have not received any communication from them at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc.
State: OK

Complaint narrative:
I have requested proof of validation on several occasions from this company. I have called FMS and they stated they no longer have this account and could not locate my information. Account is still on my credit report from this company and After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. They failed to send me the requested proof and stated that they are not in charge of this account. I have no contract with this company so therefore I want this account closed and removed from my credit report. This account is under a law firm and payment arrangements are made, not with FMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: OK

Complaint narrative:
This is still regarding the previous case with XXXX XXXX XXXX with CASE # XXXX-XXXX. 
They called and promised they will correct the wrong information placed on my Experian credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from 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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I closed on my new home with XXXX XXXX on XXXX XXXX, 2019. My first payment wasn't due until XX/XX/XXXX but I made 3 separate principal payments totally {$7300.00} along with a full mortgage payment during the month of XXXX. I was then notified that my loan would be ( and was ) sold to Wells Fargo as of XXXX XXXX, 2019. According to Wells Fargo, I still owe the full loan balance. They have no record of the payments I made in XXXX. I have spent numerous hours ( mostly on hold ) trying to fix the problem.

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