vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax compromised the credit of more than half of American adults. They then offered a " credit monitoring service '' for one year in a minimal attempt to address their lack of security and mishandling of private info never supplied by consumers. I signed up for the service after identifying that my account was compromised. Their website told me ( after having waiting until my " window '' for activation-XX/XX/XXXX ) that there was a problem and I would have to activate by phone. I tried that but there lines are so tied up that the info message instructed me to handle any issues by computer so I 'm basically in an endless loop. I then sent them an email on XXXX in an attempt to address their faulty system and to request assistance in activating. It has been more than two weeks and I 've received no response at all. Their monitoring offer expires next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: TX

Complaint narrative:
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Good afternoon, this will be my XXXX complaint against one of the most dishonest and untrustworthy companies I have ever dealt with, NAVIENT. I am a XXXX United States XXXX and a single father of XXXX children. Due to my divorce I filed for chapter XXXX bankruptcy on XXXX XXXX XXXX and was XXXX in XXXX of XXXX. I forebeared/deferred all of my federal student loans with no issues including the federal student loans serviced by Navient. The issue I am having is that in XXXX of XXXX I received a letter from Navients collections department stating that the Private student loan that I have through them is currently in default. I was completely unaware that I even had a private loan from them, when I enrolled at XXXX XXXX XXXX in XXXX I requested only federal loans and not to involve me in any kind of private student loan. The original balance was XXXX dollars give or take and is now over XXXX dollars. They never offered me any kind of help or rate reduction while on XXXX XXXX as my federal loans have. I am completely fed up with dealing with this company, on XXXX XXXX XXXX I submitted a complaint and it was referred to XXXX of their so called customer advocates I did not receive any kind of response to the complaint until XXXX XXXX XXXX. They responded only after I was forced to agree to their payment terms to avoid them garnishing my wages. I am dissatisfied with their customer service I was spoken to by their representatives rudely and disrespectfully as if I were a XXXX XXXX XXXX, I wouldnt talk to my dog the way they spoke to me. I never received any kind of correspondence or any kind of notification that my loan was in default until I received the default letter from their XXXX department. I have been making payments for XXXX months now and they refuse to reflect those payments on my credit report. I have lost XXXX home loans because of this dishonest behavior by them. If I had known ahead of time that the loan was behind I would have dealt with it before it got to this point. I also would like to know how I can be held responsible for a loan of which the promissory note does not have my signature on it. I requested a copy of the promissory note that has my signature on it and what I received was a promissory note with my name written in regular hand writing not my signature. I do have examples of my signature from that time period. CBFP I would like to know if there is anything you can do to help me out or if I am going to have to refer this issue to an attorney? How is their behavior legal? I will also be submitting this complaint to the XXXX XXXX, the better business bureau and anyone else that can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was closed without any warnings and heads up by Bank of America. I have accumulated over {$1000.00} worth of rewards and I suspect this is why they decided to close the account so they do n't have to pay out the rewards. 
I would not have discovered the account closure if I did not login to the website today and see that my account has been removed from Bank of America. No other accounts were removed, just this account with the highest rewards balance. 
Upon calling, I was informed the account has been closed due to " too many revolving balances ''. However I have been a customer with Bank of America for over 4 years and have NEVER missed a payment on ANY credit card account. As a matter of fact, I 've NEVER paid less than full balances on all my monthly payments. This is an absolute lie and an excuse for banks to avoid paying out on rewards. 
What 's most frustrating is I have another personal Bank of America account and they could have asked me if I wanted to close that account instead since it has no rewards, yet they simply closed this account without my consent. 
They refuse to reopen the account without doing another credit pull and will not guarantee successful reopening of such.

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 2017-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: IA

Complaint narrative:
Received calls from Midwest Recovery stating that there were two debts accounts they were collecting. 

Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that. 

Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

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 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: IL

Complaint narrative:
LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXX.One of the disputed items is Bankruptcy : Discharged CH-XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a credit card with TD bank. All my payments in the past have been on time. I missed a payment but never got a bill of missed payment or a notice via mail. I got a call to pay the overdue balance which I did n't know about and I paid in full the entire amount owed not just the overdue amount on the card. I also enrolled in auto pay at the same time so as not to miss another payment. I saw my credit score had dropped by more than 60 points after this and when I reported this to the credit card company they said they could n't do anything about it. I had XXXX complete credit payments on time up to this point and I do not believe one payment missed which I did n't know about after 30 days should result in this consequence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy protection in the state of Kansas. As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was discharged. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was discharged as such. Despite being discharged, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XX/XX/XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Performant Financial Corporation
State: VA

Complaint narrative:
On X/X/17 I mailed the company a letter stating the following : Upon review of my current credit reports, it showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I authorized it. I did not apply for credit with your company nor did I give you authorization to pull my credit report. 

The company responded that they were authorized to access my credit report resulting in a hard inquiry because they received a delinquent student loan account from their client, XXXX XXXX XXXX. Not only have I not heard of XXXX XXXX XXXX to confirm that they were ever an owner of my student loans, but Performant was unable to provide me with proof of me having an account with XXXX  that was subsequently transferred to them, naming them the legal owners of the account. Therefore, Performant is illegally accessing consumer 's accounts. This was an unauthorized inquiry, and it needs to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Recovery Systems
State: TX

Complaint narrative:
XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank refused to honor me welcome bonus XXXX XXXX miles after I have met all requirements of the advertised promotion on opening new credit card. [ Requirements : {$4000.00} purchases by XX/XX/XXXX ] I have made $ 4000+ purchases by XX/XX/XXXX. 
However, Citibank refused to issue the miles by abusing advertised terms over definitions of 'posted dates ', instead of using the actual 'purchase dates ' to calculate the time during of 'four month ''. Specifically for two transactions I made on XX/XX/XXXX. 

Transaction # 1 : XXXX XXXX XXXX XXXX XXXX CA {$200.00} Transaction # 2 :  XXXX XXXX {$65.00} The date when both of transactions were made is XX/XX/XXXX.  PDT ( the timezone where my profile address locates ) Citibank argued that : by XX/XX/XXXX. I made less than {$4000.00} purchases because two transactions were posted on XX/XX/XXXX. 

I am absolutely aware of the fact that time difference between posted date and purchase date for credit cards. However, Citibank should have made the terms clear in Welcome Bonus requirements : for example : {$4000.00} purchases in first four month ( purchases date are the date being calculated into the first four month ) ... etc.. According to the promotion invitation letter I have received from Citibank, there was no such clarification. 

Therefore, Citibank exploited its confusing and misleading advertising terms as excuse, to refuse to issue welcome bonus to me as a new card member. 

Thereby, I am seeking for a fair solution from Citibank through CFPB platform.

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 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX acct no XXXX and XXXX are duplicates of each other and are on my XXXX and XXXX credit bureaus and are removed from XXXX.the hospital bill from XXXX XXXX, the original creditor is not proper as I was in XXXX XXXX at time of service.I was brought by police for a XXXX XXXX XXXX so any consent on my part was against my will/under duress as I had refused the XXXX XXXX.I would like this collection removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation