vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, XXXX XXXX and Experian have refused to do update this account. 

I am requesting that XXXX XXXX and Experian update this account to reflect a balance of zero since the account has been settled and nothing is 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 non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I purchased my house in XX/XX/XXXX my mortgage company was XXXX XXXX XXXX. In ct u have to pay ur taxes and my flood in a advance before you close. XX/XX/XXXX freedom mortgage bought my mortgage from XXXX XXXX. I'm getting letters from freedom mortgage that I'm XXXX in debt. When I call them and ask them why they can't give me an answer. And the only thing that changed was XXXX my property taxes went up XX/XX/XXXX. I tried 2 times contacting freedom to find out where the probaly is. They sent me 3 different statements wanting different amounts. I dont know if it stems from XXXX XXXXXXXX which I asked for my papers they claim they don't have anything on me cause I'm no longer with there company. XX/XX/XXXX I called freedom at XXXX XXXX trying to request an escrow analysis. The woman # XXXX was basically denying me says I dont have a valid reason to have one. Then continue to explain I had one in XXXX by the state of ct.and would send that analysis that they claimed they sent me already. Then she continues to say i need to have a cusion of XXXX in my escrow. Im very concerned I never missed a payment I can't get a straight answer out of any one. I'm going to make my XXXX they wanted XXXX. Then it was XXXX. Now it's XXXX. My credit is gon na b affected by not giving XXXX that I don't have.

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 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trust Financial LLC
State: WY

Complaint narrative:
I received a notice from my employer in XXXX about a garnishment from XXXX XXXX XXXX XXXX located in XXXX Wyoming. I haven't received any communication from them about this garnishment. I contacted someone through their office by phone and asked them to work with me, I had just found out that I was XXXX and struggling to pay the bills. they refused to help me so I called the XXXX County Courthouse. The woman instructed me to write the judge so I did. That was a complete waste of time, so I dealt with the garnishment. In XXXX they garnished me a total amount of XXXX dollars. The amount I owed the Original company XXXX XXXX was less than 400.00 dollars. Once again I received no communication from this debt collector, then recently received word from my employer that they were going to garnish me again. I wrote a letter of validation and dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent it off that same day. I was under the assumption that they had to stop all attempts to collect this debt until they could validate this disputed debt. They have still garnished me once on XX/XX/XXXX and the next on XX/XX/XXXX for a total of XXXX Dollars. This makes a total of XXXX dollars they have collected from me on a less than 400.00 debt. This is a very old debt possibly time barred, and I want to know how this is legal. I disputed the validity of this debt and they are still taking money from me. I have received nothing from them regarding my dispute. I am a family of XXXX and the only one working, I can't pay my bills nor feed my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: ME

Complaint narrative:
Hunter Warfield XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I currently have a fraud alert with Experian. I was notified by Experian that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hope you are well. 

We have had a XXXX loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with XXXX again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to XXXX and we owe {$0.00}. I expected XXXX to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, 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 2018-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened account in mid XXXX. Deposited XXXX on XX/XX/XXXX. Promised {$400.00} if I deposit for 60 days. Now they are saying I didn't deposit by the XX/XX/XXXX deadline. I reached out on XX/XX/XXXX, and I received a response on XX/XX/XXXX saying that they will not honor the promotion.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. 

In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: National Financial Group, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, Joined XXXX XXXX  located in XXXX, IN in 2010 and soon found out the the company could not live up the fake advertisement and promise of getting quality product in an timely matter. We cancel our membership with XXXX XXXX  and notify XXXX XXXX that we are no longer an member this club. We made payment according to the initial signed contract for a couple of month more until we found out that XXXX XXXX was not going to release us for the service agreement with XXXX   XXXX. Both, XXXX XXXX  and XXXX  XXXX ask and plead if we would give XXXX XXXX another opportunity and we did not base on the poor management, customer service, and lack of product. Eventually, XXXX   XXXX turn the account to XXXX XXXX XXXX XXXX collection agency to collect and we ask National Finance for the validation of debt and we did not received anything for XXXX XXXX XXXX XXXX or XXXX XXXX. We request the National Finance remove the collection off of our credit report immediately. This is attempt to collect debt that we do not owed. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: ME

Complaint narrative:
Solomon & Solomon PC XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged Balance Owed : {$460.00} Original Creditor : XXXX 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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: ME

Complaint narrative:
Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Limetree Lending, Inc.
State: CO

Complaint narrative:
We started the pre-qual process to get pre-approved to purchase new home with XXXX XXXX XXXX XXXX in XX/XX/2018 and we received the pre-approval for up to $ XXXX and we started the search process to purchase a home and started bidding in XXXX thru XXXX until we got closing date by end of XXXX by then we spent so much time and effort with our Realestat agent abd by then we spent {$550.00} for inspection and {$500.00} for the appraisal that was performed by the XXXX XXXX XXXX which we never seen what company performed the appraisal and how much were there paid? But just {$500.00} bill from XXXX XXXX XXXX 24 hours before the closing date that was set by XXXX XXXX, they XXXX canceled the closing and denied us the loan and we lost the purchase of the house 24 hrs before closing, lost the {$500.00} apraisal, {$550.00} Inspection and they left us struggling thru the seller lawyer who refused to return our $ XXXX. 
This XXXX XXXX Mortgage company process over 3 months and many papers an endless demands until they finally gave us the final approval and they sat the closing date then denied the loan Very unethical Very unprofessional They play all kind of games to get you in then the deny your loan after you get deep in process and expenses

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: GREAT LAKES
State: TX

Complaint narrative:
In XX/XX/XXXX, I was told by XXXX XXXX told my that my financial aid refund would be in my account ( stipend ). I was in need of my money because I was using a loaner computer, and I needed a new computer. She told me it would be in my account by XX/XX/XXXX. It was not there. Ms. XXXX told me that my federal loans paid on XX/XX/XXXX, but I still had a balance owed on the tuition. After that I was left with {$88.00}. She said they were waiting on my Pell grant to refund me for the computer and living expenses, which she promised me that it would be there any day. My Pell did not come until XX/XX/XXXX. In between that time they had told me they could expedite my funds. I am not sure what I am paying for, since they do not supply me with any award letters showing the balance I was awarded in loans for the any school year. I talked to her last week, and she told me that I get my check mailed on XX/XX/XXXX. Now I am being told that my check will have too wait another 14 days, it is a process, which they can not explain, nor do they have any administrative policy on how refund ( stipends ) are allocated to students. I have a XXXX GPA, I have been in this program for 1 and 1/2 years, I took a break, but I am a good student, so I do not understand why I am being placed on hold and I need my funds. The financial aid workers seems like they are making promises and will tell you anything to get you off the phone. There are no clear policies on how this financial aid refund process works. Most school have defined polices on how refunds ( stipends ) are reimbursed to students, they seem to have a willy nilly policy. Although they have a campus in XXXX, the financial part must be in XXXX, and they allow XXXX students to pick up their refunds ( stipends ) but will not allow me to drive down from XXXX to pick my stipend up. There is no policy on why I as a student am not allowed the same benefits as XXXX students, in regards to picking up my refund. I was also given the phone number for the financial aid director, who supposedly will release my funds, but she is conveniently on vacation until next week ( XXXX ), meaning that my check may not be released until XX/XX/XXXX. I graduate in XX/XX/XXXX. I would like to see award letters for each financial aid calendar year, I feel that they have kept some of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.

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 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Called Capital One on XXXX XX/XX/2018 to negotiate payment arrangements on a collection account showing up on my credit report. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX ( Supervisor ) and XXXX ( Supervisor ). I was told that the only payment option that would be accepted is a settlement amount paid in full and that payment arrangements could not be made. The account was in transition to be sold, but not sold yet. I am unable to make any payment arrangements with any collection agency because the account is still with Capital One. I spoke with several people. Finally, XXXX ( XXXX ) stated that he can only accept one payment for full/settled amount but could not accept payment arrangements. Payment arrangements would have to be made to the collection agency but the account was not sold to a collection agency yet. Capital one would not accept my offer of payment arrangements even though the account is still with their company.

Company response to consumer: Closed with non-monetary relief