vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: Self Financial Inc.
State: NY

Complaint narrative:
Very bad company after sending them proof of a receipt after they requested they still wont remove the fraud charge after showing them I paid by check to the technician directly who care to My home instead of the company so I was double charged how is this fair they reverse their credit and wont help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am on a temporary forbearance plan due to COVID19.

Mr Cooper mortgage company ADAMANTLY REFUSES to discuss what will happen at the end of my forbearance. They only throw around 3 possible options ( cap, cap & extend or modify ) and tell me I HAVE TO GIVE UP THE FORBEARANCE PLAN BEFORE they can tell me which option I will get. This is Outrageous & should be completely ILLEGAL to not tell a consumer which option they will be eligible for at any point in their forbearance!!! I should know exactly what's going to happen with my finances, my mortgage and MY HOME without having to give up the forbearance plan immediately if I need a little more time. 

I should also have a say in which plan is applied for my finances and what will work best for me rather than some random underwriting people ( who they will NOT even let you speak with which is also completely inappropriate ) arbitrarily & capriciously deciding which plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: GA

Complaint narrative:
There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : XXXX ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX  XXXX XXXX/XXXX   XXXX/XXXX  ( 2 TIMES ) XXXX XXXX/XXXX  ( 2 TIMES ) XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX 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 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
I thought i sign agreement document when i purchase auto, Ceas & Desist letter? As i been hurt on job, waiting for unemployment back pay over $ 13k, Stimulas check came late and American Credit Acceptance offer me to pay back payments due in XXXX XXXX about {$1700.00}. and i email Supervisor XXXX XXXX ehere can i drop off car.Since they wanted to much all at once i think it was about XXXX XXXX i ask.But got return email to call but i have no phone service at the moment.I offer about in XXXX XXXX after getting stimulas check $ XXXX.when i had it was refused.Now iam broke again.If ACA would of rifi in my first year like they said they would, when i purchase car with lower rate go from 28. % to 15 % but they never did.Maybe i could pay $ XXXX.amonth tell i get caught up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting XXXX XXXX XXXX creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the Transunion website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My Experian credit report shows that currently Transunion is reporting XXXX XXXX XXXX ( XXXX, XXXX XXXX ) is a closed account with {$0.00} balance and no late payments. So because XXXX is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in NC/SC from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows XXXX by any alias to report on negatively on my credit because I have no financial obligation to them as XXXX reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by XXXX nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
A debt collector called ERC has claimed that I owe a debt of {$68.00} from XXXX XXXX XXXX XXXX. This account was closed and the amount was charged off. I have asked for documentation to be provided from the original creditor about why I still owe this debt and none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis Risk Solutions reported an at fault accident ( XX/XX/XXXX ) on my behave. This is inaccurate! I have police reports to supply if needed. I was also fully insured at the time of the rear end accident that I was in. A copy of City of XXXX IL Police accident report # XXXX can be referenced and sent to your agency. Please direct me on how to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: IL

Complaint narrative:
I use the Citi.com website to pay my CitiAAdvantage Platinum Select credit card every month. On XX/XX/XXXX, Citi charged me a {$29.00} 'Return Check Fee ' and claimed the account information of the payment bank was incorrect ( it was a non-Citi account ). I have pointed out that my bank information was already stored information on the Citi website and I used the same account to pay the credit card bill from XX/XX/XXXX to XX/XX/XXXX with no issues, as well as pay my Costco Credit card with the same account in XX/XX/XXXX. They refused to accept the account was ever valid and refuse to waive the fee.

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 2020-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received " BASIC FORMATTED SECURE STATEMENT REPLY EMAIL TODAY ( XX/XX/XXXX ), TELLING ME THAT CITIBANK RECEIVED MY COMPLAINT { XXXX }, BUT " THERE WAS NO FURTHER INSTRUCTIONS / ACTIONS CAN I TAKE '' FROM MY DIRECT PHONE CALL ( XXXX ) TO CITIBANK XX/XX/2020. 

My problem with CITIBANK, is that I live in XXXX XXXX, TX and I am NOT CAPABLE OF not going to CITIBANK. I had to Mail-In a company check from XXXX XXXX XXXX when they closed my account ( {$740.00} - XX/XX/2020 ). [ through USPS ] I put in the SIGNED CHECK from XXXX  with my CITIBANK SAVINGS ACCOUNT NUMBER, ( WITH THE CHECK MADE OUT TO ME ), and " FOR DEPOSIT ONLY '', in a envelope that XXXX  provided me ; to THE MAIL-IN ADDRESS ASSOCIATED with TEXAS, [ Citibank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ] from the Citibank web-page Mail-In address. 

Since being a 1st time Citibank customer, I am UNABLE TO " ( COMMUNICATE CORRECTLY ) * WITH CITIBANK. ( either through Phone or Email ). 
On my CITI Accelerated Savings Account ( that I opened XX/XX/2020 ), I still got notified through automated phone service that I currently have {$0.00} balance as of XX/XX/2020. 


I COMPREHEND THAT CITIBANK KNOWS HOW TO CONTACT ME THROUGH MY EMAIL THAT I PROVIDED TO THEM WHEN I OPENED MY SAVINGS ACCOUNT IN XX/XX/2020, BECAUSE XX/XX/2020 ; I RECEIVED EMAIL FROM Citibank - Service XXXX, INFORMING ME THAT MY " APR '' ON CITI SAVINGS ACCOUNT DROPPED FROM 1.35 % TO 1.20 % .. 
I did access my Citi savings account from my apartment, approx 1 1/2 week ago and went to updated my Preferred Settings, so I just SELECTED EMAIL ME WHEN DEPOSIT HAS BEEN PROCESSED BY CITIBANK and CREDITED TO MY SAVINGS ACCOUNT. 

Since I just asked Post Office worker if I had correct postage on XX/XX/2020, to arriving correctly at Citibank, I DID NOT PAY MORE FOR CERTIFIED MAIL / RETURN RECEIPT. 
NOW, I don't " KNOW HOW I CAN RECOVER '' that check amount {$740.00}, that never arrived in my Citibank Savings Account., BECAUSE CITIBANK REFUSES " NOW '' TO HELP ME RESEARCH THIS PROBLEM and FIND OUT WHERE MY MONEY IS. 
( Customer Service just keeps on forwarding my calls to another representative, until the phone call hangs up from Citibank )

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 2020-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MA

Complaint narrative:
XX/XX/2020 XX/XX/2020 called nelnet, the department of education and Great Lakes nelnet shows on my credit report as derogatory but it is old and it has been rehabilitated but it still appears on my credit report no one could help to remove it they just keep saying to call different places

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
While reviewing my credit report on XXXX I notice a mark against my credit report from a company that I did not recognize. I filed a complaint through XXXX  however, nothing has been done. 

I then contacted Debt Recovery Solutions , LLC ( original Creditor Name : XXXX Mastercard ) who apparently holds the debt. I asked them to provide me with documentation of when the account was open, and any documentation of a signature. As of XX/XX/XXXX, I have not received any information. 

According to what is showing on my credit report the account was open XX/XX/XXXX. I don't recall ever opening an account, receiving a card or using a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
The debt collector, ERC, claims that I owe {$200.00} from XXXX XXXX XXXX XXXX. This continues to impact my credit score monthly. I have asked them to provide documentation from the original creditor about this debt and have not received any. This account was closed and the amount was charged off over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX of XXXX I contacted Barclay 's Carnival Master Card points department to ascertain how much money toward a cruise my points equaled.

I was informed that my points were worth double the amount for a XXXX   XXXX  than any other cruise line. 

After researching XXXX  XXXX lines and not finding the cruise I wished to take, I contacted the points department again to see how much points equaled on a XXXX XXXX line cruise. 

I was informed that I would receive the same as I would on a XXXXl XXXX   and given the amount of {$4500.00} and some dollars. 

I booked the cruise and took the cruise in XX/XX/XXXX. 

When I attempted to redeem the points toward the cruise amount charged on the Barclays Mastercard, I was told I would only receive approximately {$2200.00}, not the {$4500.00} I had been promised. 

I made several calls to the company ( and was placed on hold for several minutes, up to 45 minutes in one instance ) in an attempt to resolve the matter. Several times I was told that the recording of my call ( s ) would be listened to and that I would receive the credit amount promised to men by their representative. 

After doing everything the company had asked, there was an " investigation '' that found that even though a review of the phone call they had recorded did indeed support my claim that I had been told I would receive the {$4500.00} in credit, they were not going to award me that amount. 

I asked for an appeal. The company representative and I also agreed that I would not be charged interest or late fees on the disputed amount. 

After a couple of months, the company did put delinquencies on my account for several months for the disputed amount. I realized this when I noticed that my credit rating had dropped precipitously from over 800 points to as low as XXXX I spoke to the company and late charges and interest were removed but not the delinquencies. 

Now, I am applying for a mortgage and my credit report shows serious delinquencies which may affect the mortgage interest rate I am able to get.

So, not only did I not get the entire credit amount that had been promised me prior to the cruise, I had my credit score demolished despite the company having a recording of every conversation I had with them which verified that I had been promised a points credit of {$4500.00}. 

I want the erroneous charge of serious delinquencies removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
This complaint is against University Accounting Service ( UAS ). On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University in order to rectify this situation. 
This Monday I received an email from XXXX University where I was informed that UAS is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling UAS I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
We had refinanced our home mortgage with loandepot and have been making on-time payments ever since. Money has been paid into escrow to cover property taxes, and these have not been paid. We are now facing late property taxes with interest by the county. Loandepot sold the mortgage to XXXX  this XXXX, and they state that they shouldnt have to pay the taxes as they were due when loandepot owned the mortgage. Loandepot states that they can not pay as they no longer own the loan. We are facing the loss of property due to this and each lender blames the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: IL

Complaint narrative:
I am victim of identity theft. 
this account doesn't belong to me. 
i am already in collection. 
i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. 
I already made a dispute in XXXX, and XXXX, and XXXX. 

the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citi card was declined on two purchases in a row. I had not heard from Citi, so I thought this was odd. The only time in the past my card was declined, Citi contacted me immediately and asked if the card was fraudulently used or stolen. 

I contacted Citi and was told they suspended my card as my payment was 4 days late. 

I had set up my payment previously using my bank ( XXXX ). I checked my XXXX bill pay site and found that I'd accidentally set my payment for the wrong week, so my payment was truly 4 days late. 

My complaint is this : I've been a great customer for years and pay my entire balance every month, on time. This was an administrative error, which Citi did not even contact me about to clear up. They simply suspended my account immediately, without recourse. 

When I called Citi to find out what was going on with my account, their automated system informed me " this was a collection call. '' That was how I found out I'd made a mistake on my payment setup from my bank. 

This is ridiculous. I of course will be cancelling my Citi account and have already obtained a new credit card. I am telling all my friends and anyone I know about this - a number of them have already cancelled their cards as well. 

I am one of the fortunate people who is able to pay my bills during this trying time. I do not need to have my credit ruined by a simple administrative error. 

I will never do business with Citi again. 

The form asks about military status and does not have a section for XXXX   XXXX XXXX ( XXXX ). I had to select " XXXX  '' as my status because that is the closest to XXXX on the form. My actual status is 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