vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.

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 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I recently went into my account to try and figure out why my balance is still so high after paying on this loan for 17 years. I see the initial balance at {$6500.00} on XX/XX/XXXX. On XX/XX/XXXX, it appears that I consolidated my loans with an ending balance of {$7100.00}. The history from XX/XX/XXXX thru XX/XX/XXXX is missing ( which I requested from AES, but never received ). My loan was transferred to AES on XX/XX/XXXX and now showing a balance of {$9900.00}. I did not take out any additional student loans at this time and do not understand how the balance increased by {$2700.00}. I 'm also certain that I made payments during this time, so this could n't be from accrued interest due to forbearance, but I have no way to confirm this since the history is missing. Going into the history details, it shows that I had an Unsub loan with an original balance of {$11000.00} with XXXX and a Sub loan with an original balance of {$2100.00}. This is obviously incorrect as you can see from the attached that my original total balance with XXXX was {$6500.00}, NOT {$13000.00}. Additional payment summary information shows that I 've paid a total of {$14000.00} in principal over the life of this loan. I was able to get a copy of my billing summary from XXXX along with my transcript that will show that I never took out student loans resulting in {$13000.00} in debt. I appreciate any assistance you can provide in helping me straighten this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing about an issue that I faced with bank of America account. Thsi happened on XXXX XXXX, 2017. I was being scamed for XXXX dollars. I met someone on facebook who was interested in renting my apartment. So for an initial advance for {$200.00} dollars i gave them my account number. Next, i heard that she transferred me XXXX instead of XXXX and wanted her money back. I transferred her the money back as i thought that is the most ethical thing to do ( I agree that this was my fault ). Next she told me that the money I transferred bounced back and when i checked my BoFa account and yes the money was returned to me as a credit adjustement. Therefore she asked me to transfer again and i did. Next day on XX/XX/XXXX, I checked my account and there are no sign of themoney that she initially transferred. She obviously pulled it back and i knew i lost XXXX dollars. My problem started when I asked the BoFa customer personnel about the credit adjustment that I was seeing in my account which in the first place made me transfer an extra XXXX dollars to that first. Bofa customer person told me that it is from a claim that i initiated for a ATM deposit. I told them I never initiatedany such claim. So we tried to tarck who initially filed that claim. We came to know that someone impersonated me and called BoFa and filed that claim. This is a clear case of identity theft and fraud. But bank of america is not considering this as a fruad and not takinh any action to get me atleast the {$2000.00} that i only paid because i saw that credit in my account. After some more digging, I came to know that some one ( a male ) called bank of america ( though I am a female and solely hold the account ). The person was able to identify himself as me by giving my account number ( i gave for initial transfer ) and date of birth ( from my XXXX profile ). He failed multiple time to identify himself on the type of account, last deposit as well as the CVV number ( because he never had that info ). BoFa should have stopped him there and atleast had called on the cell number associated with the account to confirm the activity. They never called me but the customer agen XXXX XXXX escalated the case to her manager XXXX XXXX and she gave him what he wanted. I feel Bofa was very negligent while dealing this case and now they are not even accepting the fact that it was there mistake.

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 2017-07-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: GA

Complaint narrative:
I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

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 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing in regarding the recent modification proposal we received from Select Portfolio Servicing dated XXXX/XXXX/2017. We find the proposed modification to be predatory based on the following.
We were originally approved for a principal reduction with XXXX XXXX prior to our loan being transfer to SPS under the MHA streamline program.
Our loan was subsequently transferred to a new MBS as a means of not finalizing our government backed modification.
The original loan was entered into by my wife under duress while I was deployed to XXXX with the United States XXXX XXXX.
Due to the recovery period from my injuries and my inability to fully understand and respond to this process effectively we have been exploited in regards to this loan.
The modification paperwork covers up the fact the our principal balance is increasing by {$2500.00} in fees.
The loan is being recast from roughly 220 months to 393 months.
The LTV on the home is roughly 158 % after the modification.
While the modification lowers our current payment in drives us further into debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
On XXXX XXXX, I spoke to a gentleman at Hunter Warfield and explained that I understood a debt was owed but that they needed to honor the request I signed to take a leaseholder off of the file a month after moving in. The representative asked that I email him the file which I did the same day. When I contacted him again, he advised that it will take a couple of days to resolve itself and asked me for payment when I reminded him that once they honor the contract I signed, I will be glad to start making payments. The other party involved kept getting letters saying that he would be sent to collections and the matter never got resolved.
On XXXX XXXX I get a call from quite a rude presentative who tells me that as the law, I can not disregard a contract that was signed and kept cutting me off until rudely telling me good luck and hanging up. Hunter Warlfied has sent notices to all the addresses I have been affiliated to and also the other person that on the lease with me ( who was supposed to be taken off ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX in XXXX, and XXXX  2017 to remove in accurate information.
Under the new law effecti e XXXX  2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted 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 non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I just got a letter from wells fargo about a dispute that i have received. They told me it was me, when i was clearly out of the country for 2 months. They said the signatures matched .... I ALWAYS SIGN THE BACK OF MY CARDS ... this is also Wells fargos fault because they did not check for ID at the store. I always place a note on the back to Check for ID and also I SIGNED THE BACK OF MY CARD. that is why the signature matched ... the thief just copied my signature. I really dislike wells fargo ... That is why i never would bank with them again .... I have tried to reach out to wells Fargo multiple times but no luck getting to anyone who wants to help me. I really hope XXXX XXXX changes to a different bank ... i

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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia 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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with Equifax, XXXX, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside.
NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX  adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage.
Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX  Thank You, XXXX XXXX XXXX ( Mobile ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance.
Then have been reporting me late for 7 months straight.
I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information.
Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted 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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD

Complaint narrative:
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.

Company response to consumer: Closed with explanation