vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello My name is XXXX XXXX I 'm filing a complaints because no Bank is letting me open any accounts I 'm writing to tell the information is wrong I was a victim of fraud and is trying to open a accounts can I please get some help 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 2017-08-14 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: AL

Complaint narrative:
I disputed inaccurate accounts on my credit report with Experian, XXXX XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for Experian XXXX XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

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 2017-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.

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 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 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: AL

Complaint narrative:
IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: AL

Complaint narrative:
IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XX/XX/XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) 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 non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP
State: NJ

Complaint narrative:
Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I wrote a letter to Online Information Services asking them to validate a debt that was showing on my credit reports. In this letter, I asked for proof of contractual agreement, COMPLETE accounting of the alleged debt, copy of any judgement obtained by creditor, etc. Online Information Services received my letter on XXXX/XXXX/XXXX and in their response to my request Online Information Services did n't provide me with any of the requested documents. Instead, I was sent an incomplete accounts receivable ledger. Not to mention, the date section of this ledger says " XXXX through XXXX '', yet, this debt seems to be from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient would not contact me about my private loan, only my co-signer. Each time I would call they would indicated that I do not qualify for any modifications and that my address and contact number was incorrect. Navient charged off my loan XXXX 2016 without notice and has continued to contact my cosigner and not me, the primary borrower. They did not attempt to garnish my wages, manage any repayment possibilities or contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: TX

Complaint narrative:
We have sent in two disputes to remove the inaccurate information from Experian with XXXX XXXX XXXX ; the information has not been removed. Please remove this negative information from my credit report.

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XX/XX/XXXX called XXXX XXXX with me, XXXX & XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX , NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Our loan servicing was moved from XXXX XXXX XXXX XXXX to LoanCare LLC, effective XXXX XXXX. Our on-time payment to XXXX XXXX  XXXX for the XXXX of XXXX, was not posted by LoanCare until XXXX, causing us to pay an additional 12 days of interest. Since that time, all payment made have been electronically transmitted through XXXX XXXX Bill Pay to this company - and all of them have been received by LoanCare prior to the due date, but posted a few days into the month - every single month. We have three other mortgage companies - all paid electronically through the same process, and all of the others post on time. We never had this problem with the prior servicer, XXXX XXXX XXXX. Here is what we have been dealing with : Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX This means that not only are they in receipt of the ACH remittance from XXXX XXXX early or on time - but that all of the other Regions customers that are included in this remittance are also in the same boat. They are not posting our payments timely and are charging us interest for additional days when it is not due to them. Please advise. 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 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX 2017, Wednesday XXXX XXXX emailed XXXX with questions RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter ; X/X/2017, XXXX XXXX voicemail to XXXX RE :  questions about requirements, qualification ratios and Conditional Credit Approval Letter X/XX/2017 CONFIRMED BY PHONE ( XXXX XXXX ) ... XXXX STILL WORKS THERE. as of today XXXX XXXX 2017, Monday, XXXX XXXX she has not responded ALL my questions. X/X/2017 XXXX XXXX XXXX confirmed the approval is contingent on my selling my existing home but has not answered my other questions, in particular, I want to know why I have to sell my existing home before I can get approved for a new loan AND why my existing home ( that has no mortgage obligation ) has to be sold at a price such that the net proceeds equal an amount specified by 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 2017-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.

Company response to consumer: Closed with explanation