vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My positive XXXX credit card payment history is not being reported by experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Two of 3 credit bureau report that I owe {$1600.00} to XXXX for phones in which I have attached as proof with a store receipt from XXXX. Collection agency XXXX XXXX keep harassing me. 

Note : I have communicated with the 3 Credit Bureau asking to remove from my record. XXXX XXXX responded that the charges are correct and therefore will not be 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 2018-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
At the end of the lease on my vehicle in XX/XX/XXXX I turned the vehicle in to XXXX XXXX XXXX, with the purchase of a new vehicle. XXXX XXXX XXXX obtained a buyout figure from Ford Motor Credit and sent them a check. At that time, all the paperwork from the original leased vehicle was turned over to XXXX XXXX XXXX, taking all responsibilities away from me, the leasee. Sometime in late XX/XX/XXXX, I received a letter in the mail from Ford Motor Credit stating that they extended my lease due to lack of payment. At that time, I went to XXXX XXXX XXXX and found out that they had sent the check to the wrong location. While I was at XXXX XXXX XXXX, the two companies worked it out, and everything was paid in full. In XX/XX/XXXX, I  received a letter from XXXX XXXX XXXX again, stating again that I was behind on my payments. At that time, I found that my XXXX XXXX went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. At that time, I called Ford Credit, and filed a complaint explaining the situation. I received a follow-up phone call stating everything was taken care of and that letter had been sent out in error and that they were taking immediate action to rectify my credit score. It is now XX/XX/XXXX, and my credit score has not only NOT come up, but I am now receiving letters from my credit card companies saying that my interest rates have been raised due to a lowered credit score.I would appreciate a response to this inquiry to that I know it has been sent to the correct place and that someone will get in touch with me to rectify the matter. My email is XXXX and my cell # is XXXX. Thank you for your time. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had my American Express account on auto pay, and like all other auto pays, I was under the impression that that would be continuous unless I decided change it. However, American Express ended my auto pay and didnt notify me that it had stopped. During this time, I had assumed my payments were going through like they were in previous months. After I saw that two late payments had hit my credit, I called American Express to figure out why. They were sending paper only updates to an old address, even though I had specifically called and updated American Express with my new address. For the past seven years that Ive had an American Express account, they had always sent notifications to my business address or my personal email so I was really confused as to why this had all stopped. I immediately reinstated the autopay and paid the late payments as well. I then started the process to lift the late payments from my credit report. To this day, all payments are on auto pay, have been in time, and the account is in good standing with American Express.

I had updated my contact info twice with Amex and the only thing i can think of is that it was never imputed.

They said i had to renew my auto pay but when they said they contacted me they had wrong emails and billing address.

I believe the missed payments were in XXXX and XXXX. I noticed it in XXXX when I saw it on my credit report. Please let me know if theres anything else I can do. I hope to hear from you soon. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company name is Wells Fargo. The number they are calling from is XXXX. Another number they have used is XXXX. The caller was named XXXX and he identified himself as calling from Wells Fargo Credit Card Services. His extension is XXXX. Trying to reach XXXX and or XXXX XXXX ( I think ) to discuss " your options '' as it relates to their debt owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NE

Complaint narrative:
Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX  employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Recently i got an alert on my credit report regarding a derogatory remark put in place by Company Sav-it. 

I reviewed the information on this and found they had lodge due to an apparent owing medical debit from 2016, i was under the belief back in 2016 this was settled with my insurance company, i had multiple calls with the Doctors office and last call was that they had everything settled. 

I was out of the country until XX/XX/XXXX this year and was never made aware that Sav-it was trying to contact me, according to Sav-its employee last Wednesday Evening XX/XX/XXXX they had sent a couple of letters and tried to call me however confirmed they had never contact me. 

i asked them to remove the derogatory remark for further investigation, i cited that i should be entitled to 90 days to defend the matter before any remark be lodged against me and that if the matter wasn't settled in 90 days i would not have a problem with the remark being on there, the person i spoke to on XX/XX/XXXX i believe his name was XXXX XXXX said he would have a manager call me the following day, i have never received a call, i have left multiple messages in the form of calls and social media, i have recorded evidence they have indeed received these messages but still refuse to make contact with me. 

This has now caused a seriously problem for me and i feel i have not only been discriminated against because i am not an XXXX XXXX   but also that this company has broken the law. 

i am happy to assist in any way what so ever to make sure that Sav It is fully investigated and prosecuted where justifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paid a user ( @ XXXX " XXXX XXXX '' ) through XXXX for concert tickets on XX/XX/2018. Two transactions totaling {$80.00} ( {$60.00} and {$20.00} from two different funding sources ). Tickets  didn't work at the venue. Seller must have either used them or resold them for further profit gain. 

Contacted XXXX  to get a refund ( since their app doesn't have built-in refund technology like PayPal has a Refund request link and Complaint Center ). 

XXXX  confirmed the seller was a fraud and had changed his name in their app ( to @ XXXX " XXXX XXXX '' ) and ripped off others. They claimed they'd to close the sellers account, but have not yet done so. 

However, XXXX refused to provide a refund ( which is to their illicit gain to allow criminals to get away with fraud on their platform, and support organized criminal activity ). 

They claimed that it was a business transaction, even though concert tickets are for personal use. A business transaction would like buying envelopes or a stapler, for business use. I'm not writing concert tickets off on my taxes and didn't take a business associate, like a business expense would be treated. 

XXXX is clearly in the wrong, and I hope the CFPB will support me and the millions of users of XXXX  in changing XXXX XXXX harmful consumer business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection company XXXX XXXX XXXX is attempting to collect on an account that is already settled with the original creditor. The account should never have been sold to any other collection agency and to the knowledge of the original creditor XXXX XXXX XXXX XXXX XXXX XXXX it was not sold. XXXX XXXX XXXX illegally obtained my information AND are attempting to collect on a debt that has been taken care of. I did not give permission for my information to be passed around and abused. Experian is assisting XXXX XXXX XXXX in violating not only my HIPPA rights but also my consumer rights by allowing the company to continue to report. I have previously filed a complaint Experian responded that they were still working on the CFPB complaint when they in fact closed my dispute without further investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a letter to have XXXX XXXX XXXX to have them Verify my debt In with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. 
windstream is the original debitor. i want this removed from my credit reports. I did not incur these charges or ever reside at the residence where XXXX was purchased. 

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: AmeriCollect
State: GA

Complaint narrative:
In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. 

In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. 

These entries must be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFK FINANCIAL INC.
State: NV

Complaint narrative:
Very simple : " JFK Financial '' at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( phone number XXXX XXXX XXXX ) was entrusted with my XXXX and XXXX tax returns and additional financial information for the purpose of reviewing mortgage possibilities. Two gentlemen, first names XXXX and XXXX, were given that information by me in the XX/XX/XXXX. I went to inquire in XX/XX/XXXX ( when I was more ready to purchase a home ) as to my information in an effort to understand what I would be approved to get in the way of a loan ; those two are gone ... ... the files are gone ... ... ... ... .JFK personnel told me they " THINK '' THE INFORMATION WAS SHREDDED. 

My complaint is : identity theft is REAL, financial data was entrusted to them and they have, at best, mishandled it. All I ever wanted, asked twice for it through XXXX and from desk secretary the last week in XX/XX/XXXX, was/is : an apology statement from an officer of the firm saying it was shredded and any identity theft issues, should they arise, might be attributed to their negligence. That's all! 

It seems to me that, at a minimum, your office should reprimand and/or fine them for this negligence. As of this writing, I have heard NOTHING from JFK regarding this matter. Their arrogance and incompetence is an issue for you to address. The AG of NV has this complaint and soon the NV Mortgage  Lending Division will as well. I implore you to investigate the mishandling of information and JFK 's failure to acknowledge such and to apologize for same. 

Thank you, XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX cell

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX  accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.

Company response to consumer: Closed with explanation