vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Earlier this year, my wife and I tried to log into our Citi Card app, at which time were prompted to accept the terms of use in order to log into the account.  What we didn't know at the time we accepted the terms of use, was that we agreed to paperless billing.  This was not disclosed to us at the time, and we have never had paperless billing, since 2008 when we signed up for the card.  Two months later we received a letter that our credit score had changed, which was a surprise to us, because we have always had close to 780-790 credit scores.  When we called Citi to ask about this letter, we were then told that we had not paid the previous 2 months bill.  We explained that we never received a bill in the mail, at which time they disclosed to us that we elected for paperless billing when we accepted the terms of use, "because is it what most people do now a days".  Our balance at the time we got the letter was $XXXX, I could have paid the balance the first month, but did not realize that we had elected unbenost to use paperless billing.  I sent a letter explain the circumstance to Citi, and they basically said tough luck, no one in the call center could help me at all after multiple calls and the only way they said I could get an answer was via letter.  After I sent the letter, they sent me back 3 different letters, saying that they understood I no longer wished to dispute the credit reporting. I never expressed that in my letter and again could not get a single representative to help me in this process.  I did not mind paying the balance, but the negative credit reporting that Citi did has greatly impacted my wife and I ability to refinance our mortgage, and again I am not getting any help from Citi Cards in the matter.  Your help in this matter is greatly appreciated,Regards,XXXX and 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 2019-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ Data International keeps raising the original debt collection amount. Collection opened in XX/XX/2019 with balance of $XXXX, now it is $XXXX. The account was reporting closed via XXXX XX/XX/XXXX (screenshot of proof provided) and now it has been reopened. I received calls back to back from this company from many different phone numbers and also was left 2 voicemails regarding the debt. The original creditor XXXX XXXX, withheld my apartment deposit to pay towards the collection. That money has not been applied. All previous staff of XXXX XXXX   mishandled paperwork and an Apartment fire resulting in the loss of my apartment and were fired under those circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report late payments on closed accounts which have been disputed by me as incorrect reporting between XX/XX/XXXX-XX/XX/XXXX.Equifax has repeatedly failed to do a reasonable investigation and/or provide their method of verification for these alleged "verified" inaccuracies.The following accounts  still include errors and/or possible violations of the FCRA.•XXXX XXXX XXXXa)Account closed XX/XX/XXXX;(29) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date of Last Payment inconsistent with Payment History.c)Balance $XXXX larger than High Balance/High Credit of $XXXXd)Balance being reported on a Sold/Transferred account.e)Date closed incomplete•XXXX XXXXa)Account Closed XX/XX/XXXX; (7) Late payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date closed incomplete•XXXX XXXX XXXX a)Account closed XX/XX/XXXX(31) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
This bill. Was from last summer I am XXXX  and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX  the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX  XXXX  man

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A XXXX XXXX XXXX XXXX insurance company without communicating with me passed a bill that I owe an amount to them and I suddenly got a letter from collection agency that I supposedly owe to XXXX  and they request me to pay the amount of $XXXX.XXXXI had paid my insurance balance in full at the beginning of my policy and did not owe anything. I want to make that agency accountable for moral damages and trying to ruin my excellent credit.

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 2019-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my house was completely destroyed in the XX/XX/XXXX fire.  I lost everything I own. Since that date I have paid my mortgage to Flagstar Bank without fail every month.  My insurance gave me a check for $XXXX   that I signed over to Flagstaff  because that was the approximately what I owed on my mortgage. That money was put into a restricted escrow account for my rebuild. I have had multiple issued with this Bank, regarding insurance, getting the initial amount to start my rebuild.  I believe I filed a complaint 3 to 4 months ago regarding an insurance issue that I couldn't resolve with this bank.  What is happening now, is that I have requested more money for my rebuild and they won't give to me until 55% of the rebuild is complete.  Mind you the amount for the rebuild is now $XXXX, way more than I paid for the house. All the prices have sky rocketed because so many people have to rebuild. Flagstar only has Less than 50% of what I need. My insurance company will not give me the balance of my money, which is XXXX, until the money is exhausted from the restricted escrow account at Flagstar. I am involved in the XXXX lawsuit and how to have more funds to finish my house, but at some point I might have to hold back on the finishing items until I have all the funds.  I will continue to pay my mortgage, as I have done.  What's upsetting is now I have all these people working at my house, have signed a contract, and will have not money to continue. Instead I will have liens on the property because I won't be able to pay anyone. The fire destroyed so much of my life, and the support and help I have gotten from Flagstar and my Insurance is causing me so much stress and anguish that I don't know what to do.  Please help me.  I am working three jobs so I can cover the extra costs, but it I can't complete the framing part, I am screwed.  The lawsuit with XXXX   now that its in bankruptcy court will resolve my XXXX of XXXX so I feel positive that I will be fine.  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 explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I applied for a Business cars and provided only my business information such as my TIN #. There was a SS# request section in addition to the TIN request section. I declined to put my Ss# in this section because I did not want to mix business credit with the personal credit. Once the application was completed. I received a email stating that to send additional documents for processing. Just as I was getting ready to send the documents capital one emails a decline letter, stating they would send the information about the decline within 10 days. Shortly after and because I’m signed up with Credit Monitoring through XXXX XXXX, I received notification that my “personal”credit had been accessed.I immediately called Capital one and was told that my credit was declined because I placed my TIN in the Ss section . I agreed and informed the representative that I did so because it would not let me move forward without entering some type of data in the section.As mentioned earlier the application requested a TIN, which was provided; and several sections later requested my personal social.Upon inquiring about the reason for decline prior to me being able to submit the requested documents, the representative informed me that even though I applied for business credit my personal credit must be accessed. I then informed the representative that clearly they were able to access my credit without me having to provide it because my credit monitoring application just alerted me that CAPITAL ONE accessed my credit.  The representative was unable to make since of the actions of CAPITAL ONE and only stated that I had to reapply which would result in yet another credit pull. I escalated the situation and still was unable to resolve. Finally, one day later I receive another email stating that I was declined because Capital one was unable to move forward because of a fraud alert that was placed by my on my XXXX bureau that didn’t contain a contact phone number for them to reach me to confirm that I did indeed apply for credit. However, as stated earlier if indeed they were unable to move forward on the application, why didn’t  CAPITAL ONE just decline the application and request further information instead of pull my PERSONAL CREDIT Without my permission, compromise my score, only to provide me with conflicting denial reasons.I am requesting that you further investigate the actions that took place in this business credit card request.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This home depot card I have had since 2009 and never missed a payment as reflected in my credit report.  I went online recently this summer to manage a return and somehow the site made me click a box to proceed which also , in my opinion misrepresented, that I was signing up for online statements. I do not want online statements. I use paper statements each month and I like to pay my bills when they are sent to me. I have a very good track record of doing just  that.Because of this , I never received my regular statement and now I show a 30 day late for home depot which is false. I should not have this. I never asked for my statements to be switched.  This to me is unfair and not a good practice.  I want the 30 day late 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 explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am an XXXX Military XXXX that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with Experian credit services and XXXX. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the XX/XX/XXXX and Experian website. As of today's date XX/XX/2019, still no response or update within 30 days from XX/XX/XXXX nor Experian. Now, I am requesting this be rectified through CFPB. As a military XXXX  that holds a top-secret clearance, it is imperative that this is resolved before I become a victim of theft identity. 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 2019-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I’m in over my head with this loan. I started with one loan and then was offered an opportunity to take another loan, that tacked on the balance of the first loan to the new loan and gave me a different payment amount and more total payments due. Then I received another loan offer that tacked the previous two loans onto it and gave me an even higher loan payment and extended the number of my loan payments to an even longer period. I got lost with what was actually what, became overwhelmed by the overall costs of these groups of loans, that were condensed in one larger payment, for even more months. And like a house of cards, everything became overwhelming and fell apart. I went into the office in XX/XX/XXXX and made a payment. I also arranged for a payment to be paid by pre-dated check, in XX/XX/XXXX. The XXXX  payment that I arranged was taken, along with additional electronic payments (that were not authorized by me)...which in turn threw the account that these payments  were debited from (my checking account) into the negative & fees incurred. Nothing was done to resolve this issue, it was deemed to be my fault because the One Main account was behind anyway, and no adjustments were made to compensate for the damage done to my checking account. I refused to allow them to debit my checking account again, which made this account even further delinquent. At some point, I no longer knew where or how to properly come to terms with One Main & stop trying & stopped responding to their attempts to contact me.Now they are threatening to sue me for payment and attorneys are constantly seeking to represent me. I have no money to give them or any of these attorneys wanting to represent me, due to other financial issues that have come as a result of attempting to fulfill my obligations to them, as well as my other obligations.That’s my dilemma.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CL Holdings LLC
State: OR

Complaint narrative:
this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
In the process of purchasing property and preparing for the closing we received an email instructing us to wire our portion of funds so the closing will not be delayed.  We discovered that the person who is named on the wire nor the bank is not associated with the Title Company we have been dealing with.  We wired over $22,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've sent several letters to Equifax & XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items Equifax obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from Equifax dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that Equifax and XXXX said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America BANKAMERICARD where I had a $XXXX   minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up by a banker when I received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the bank via mail. I do all of my communication with the bank through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my BANKAMERICARD account for the months of XX/XX/XXXX and XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the bank was sending me to go to my old address. This cut off all communication with me and the bank and I was unaware that I was missing a payment until an associate at Bank of America called me on XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the bank.

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 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I reached out to Portfolio Recovery in XX/XX/2019 to request the removal of this collection account from all 3 credit agencies after completing a 3 month payment plan. They agreed to this on a recorded line twice. During the original conversation, the agent read a script to me that stated that not only would this account be removed but all accounts under my same name and information. The final payment was completed in late XX/XX/2019. As of today XX/XX/2019 the account is being reported as settled, but not removed as we had originally agreed upon. Also, since contacting them, they are now sending me collection letters for my deceased father.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual 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