vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
In XXXX XXXX I received a bill from CITI AADVANTAGE Platinum Select Card for what appears to be a yearly fee. I have not worked with this company to my recollection, was not aware I had this credit card, did not possess the credit card, and do not want the credit card. I called to ask them to cancel the card and they asked for a lot of personal information. Since I did not remember asking for the card in the first place, I did not want to give out personal information. They said they could not help me. I received another bill in XXXX XXXX for the same amount, and so I wrote a letter to them asking them to cancel the card and close the account. They responded to my letter by saying that I was responsible for the card. I then received letters from them that my account may be compromised. 

I just want them to cancel my card and leave me alone.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
C & F Mortgage Corporation and/or XXXX and XXXX XXXX, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, Plaintiff v. C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 's attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
OnXX/XX/XXXX TransUnion received a dispute letter from me ( see attached letter with certified mail return receipt : XXXX ). I was then notified by TransUnion that because I had contacted them previously, they would complete their investigation before or on XX/XX/XXXX ( see attached letter from TransUnion XXXX XXXX ). I have not received any communication from TransUnion regarding this dispute. This seems to be a violation of FCRA and Texas state 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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.

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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
Keep receiving calls from collection company about a medical bill I have no Idea off what its for never received a bill from the medical facility or an explanation of benefits from my insurance. I have asked over 10 times to please send me a bill and itemized statement of what this is for. They keep calling and telling me the balance owed is more every time they call and they I will continue to be charged interest. I tell them I do not know of this bill and to please send me an itemized statement and invoice. I tell them I have never gotten any kind of bill from any medical facility for such a large amount nor has my insurance company sent me any explanation of benefits. They are harassing my home by calling everyday and not sending the requested information. Please help me resolve this. I pay all my bills and all my medical bills. It is not fair for these collection companies to call and harass people and not supply information on what they are accusing you of. I am not just gong to send money to people who request it with out a bill and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: GA

Complaint narrative:
My complaint is against TransUnion. In XX/XX/XXXX, I noticed the account types had been changed for two of my paid off accounts. Though the accounts were paid off, a change in the account type from an installment to a revolving account with a XXXX balance would make the account count against me. These accounts had previously been reported correctly and had been paid off long before this arbitrary change was made. So, the merchant did not change the account type after it was paid off. Transunion made this unauthorized change. 
I requested that the account types be changed back to the appropriate type. Additionally, I made a point of telling them NOT to remove my good accounts from my credit profile- and yet they did it anyway. Transunion also removed a second good account, my federal student loan, which left me with a credit report skewed towards negativity. This is a common practice with the credit reporting agencies, some more than others. Transunion is notorious for it and I am requesting that they not only reverse the harm that they have done to my credit, but that they are monitored, regulated and occasionally audited in the future. 
This sort of permissible behavior contradicts the fair credit reporting act. If this Act is in fact legitimate, then I want to see it enforced! Credit reporting bureaus have far too much influence on consumers ability to enjoy the basic freedoms that are supposedly endowed to us as US citizens to be allowed to operate unchecked and unregulated. 
Enclosed you will find files containing a copy of the two accounts : XXXX XXXX and XXXX XXXX XXXX as they appeared when last reported correctly. The receipt of the complaint filed for not only those two accounts, but also XXXX XXXX ( XXXX ), which was also erroneously reported as being included in my bankruptcy. A copy of the results is also attached. A 2nd file shows all of the good accounts, most of which you will not find in the 3rd file, which is the last credit report that I requested. The cover sheet in file # 1 will show that I have been in Transunions file since XX/XX/XXXX, but strangely there is not a handful of good accounts on my credit report. Something is very wrong with this reporting system.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. ProCollect Inc.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. 

SUBCHAPTER B. SURETY BOND Sec. 392.101.  BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 199
7.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have no idea who or what this is. Never received a bill never received a phone call or any correspondence what so ever. I just found in on my credit report and have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need Wells Fargo to send me all the Inpection fees when Wells Fargo started servicing the loan and till the day of foreclosure. Payment history XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX pa XXXX My email 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
Consumer complaint received 2017-09-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX XXXX, I noticed that I had a false late payment show up on my account due to an error by my bank, XXXX XXXX XXXX. I immediately called them where they assured me it was corrected and would never affect my credit as it would not be reported since it was their error. 

In XXXX XXXX, it randomly appeared on my credit score with XXXX and Transunion. I filed disputes for both of those scores and XXXX swiftly corrected it. I called XXXX XXXX XXXX and they transferred me about 10 times, put me on hold, hung up on me, and refused to take refused to take responsibility, saying the credit reporting companies made an error and they had no idea how it happened as they never reported me as making late payments. 

Transunion eventually ruled in my favor on XXXX XXXX, XXXX. However, they immediately added it back onto my account, so every month my score drops 60 or more points ( see attached document ). I have had to submit a dispute and wait two weeks for my score to be fixed. This is extremely stressful and traumatizing as I am young and establishing my credit to provide for my family. 

It is not legally right that 50 % of the year, my credit score is inaccurate.I have called XXXX XXXX XXXX and Transunion each time it happens. I go through the process of being transferred multiple times, being put on hold, hung up on, only to have each company blame the other and say I need to take it up with them. 

I have decided I believe XXXX XXXX XXXX that they are not reporting a false payment as my XXXX credit score has not been inaccurate since that first false report in XXXX. I believe this is a scam by Transunion to force me into buying their services. Each time I have called and spoken to someone who barely speaks a word of English, they insist I need to buy their product in order to have an accurate credit score. What happened to an accurate credit score being my right as a consumer and person? Why do I need to pay you to fix your mistake Transunion? I will fight this on behalf of other consumers.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been charged XXXX dollars so far this year in over draft fees. I got a phone call from the manager at PNC and I tried calling back several times and no one has returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXX.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff.XX/XX/XXXX1997. Sec.  392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX 1997.

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 2017-09-18 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:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond &  filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in  the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/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 2017-09-18 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:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested my credit report from Experian today ( XX/XX/XXXX ). Everything looked correct except XXXX hard inquiry item that I did n't recognize : Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XX/XX/XXXX XXXX XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, TX 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