vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to report the closing of my Citibank XXXX XXXX Advantage credit card account. The basis for closing was that my credit union rejected the payment request by Citibank. My credit union denied the payment because Citibank listed my wife as the primary card holder when in fact she was an authorized user. I attemped a {$1000.00} online payment to my Citibank credit card on XXXX, 2019, which was rejected. My credit union checking account does not include my wife on the account and therefore rejected the request by Citibank. I contacted my credit union and was informed what occured. I was told to have Citibank correct the card holder information. Once corrected, the credit union could process future payment requests. I tried to resolve the issue with multiple Citibank phone representatives who could also see that my other Citibank Thank you card which was linked to the same checking account was paid on the same day without a problem. I explained what my credit union had told me was the reason for the payment rejection. I was told that they could not reopen my account because that was Citibank policy. They were all sympathetic to my situation as they could see that the rejection was not based on insufficient funds. I explained to them that this unilateral action by Citibank was unfair because I had no liablity in the situation. My credit report score has dropped since my available credit has been reduced. The two financial institutions were not communicating and I was punished by having my credit card account closed. As a consumer, I believe that my rights were violated because I was denied any due process to resolve this issue before my account was closed. I do not believe the facts support a basis for closing my account. Therefore, I am writing to CFPB for assistance in having my account reopened.

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 2019-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I reached out to Mr.Cooper for assistance they sent a email for document to review for a modification with a initial deadline for XX/XX/XXXX then it was extended to XX/XX/XXXX. I supplied the necessary information to Mr. cooper via email first time then I sent it via certified mail along with a cashiers check to their post office box. I was under impression everything was satisfied and I was actively working at getting back on my feet by getting a job and finding suitable arraignments for my ailing wife. I got many text messages and phone calls that went directly to vm with no ring and I didnt understand the process so when I would call in a representative would state your account is behind would you like to resolve the debt which made me upset because legally Im asking for assistance and they only care about the money. I eventually had to send documents to a senior magangment that shows that I timely filed within the deadline and the mixup is attributed to Mr cooper. Even with all that I get a notice saying my modification was declined because I dont file in the appropriate time. I filed within the timeframe they provided andI truly believe they are causing the account to purposefully Age I cant call with out cursing and screaming because nobody takes there job seriously and I take my life and commitments very seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a mother of XXXX and I was recently XXXX. I was unable to add money to my account for three months, and Bank of America kept charging me a {$4.00} maintenance fee even though I called them in XXXX and asked for my account to be closed or frozen due to financial hardship. The banking specialists said I was unable to do this and so I Updated my pin and got a new bank card as soon as I started working to deposit my funds into this existing account. I was charged a maintenance fee of {$4.00} for three months. My account went negative into {$14.00}. I just started working as an XXXX XXXX and deposited my check that I waited 3 weeks for, my family really needs this money and I figured I would use the account with Bank of America and fix that negative balance caused by theyre unwillingness to help me when I was facing hardship. After my check was deposited and I confirmed the deposit amount through theyre ATM, I was told I had to wait an additional twelve days to use {$940.00} of my check. Only able to use {$200.00} and I only get paid biweekly. As a mom of XXXX I begged them to please release it on XX/XX/19 inside the bank itself and was told it was unfortunate and that it was unfixable. I receive no form of assistance at all because I do not qualify and this really hurt my family, my husband has gone through his savings trying to keep our heads above water and we still have bills to pay. I understand if I was being negligent and withdrew money I didnt have but it was the bank itself withdrawing money after I told them I was facing hardship due to unemployment.

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 2019-07-13 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: TN

Complaint narrative:
" Hard '' inquiry performed by XXXX - XXXX via Equifax on XX/XX/2018. No authorization of any type provided to XXXX - XXXX for any inquiry. 
At the time of the inquiry, established services with XXXX were moved from one city to another. I explicitly asked if a " hard '' inquiry would be made, and was told " no ''. 
Equifax dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
All of a sudden my XXXX  check has been garnished.. when i called Social Security they said it had to do with the Dept of Education.. when i called them I got the number of a collection agency. This collection agency somehow was able to get a judgement against me even though they have been sending mail to address I havent lived at since XX/XX/XXXX. 

They had no idea I moved to Virginia in XX/XX/XXXXthey bought the debt in XX/XX/XXXXfrom a company that went bankrupt yet somehow they were able to garnish my XXXX  check. 

Its not my debt, they did not contact me and the 1st I hear of this is when my XXXX  check is being garnished.. this cant be legal the company is ECMC Corp

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Please get rid of Experian. I put a temporary freeze on my credit almost 2 years ago. I have not been able to get it removed. I lost purchase of car last XXXX because no one- not me, not bank, not dealership could reach a live person to help. I have written to them several times asking the. To remove freeze. I finally received a written response from them saying they extended for another per my request. I am extremely frustrated with the lake if accuracy in credit report ; which I am also filing complaints, lack of ability to reach a living person, and inability to get this removed. The number I was given to call to remove it only offers to start an alert. I have complained through this site serveral times with no resolution

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 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am listed as an authorized user for a credit card that I have no knowledge of. I have no personal or business knowledge of any transactions for this credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
This is the second time Xoom did to me. They hold on to your money in the name of security and take a very long time to transfer! This is against their advertisement! I did a transaction to my nephew in XXXX on XX/XX/XXXX in the amount {$4400.00}, it took 4 days to transfer the money!! I did send money to my nephew before and he was already in the system so this does not make sense to delay the transaction. I had to call them twice and only then they released my money to my nephew! Proofs are attached below. 

Most recently I tried sending money to my cousin in XXXX in the amount {$2900.00} on XX/XX/XXXX. Again they have put a delay to my transaction under the name of security. I called them up and they said its their partner who are causing delay but the strange thing is that the recipient is not new! Its already in the system and I have done transactions before to the same person before! Its been more than 20 hours and my cousin still did not receive his money! Proofs attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: UT

Complaint narrative:
Experian continues to have inaccurate information on my credit report I cant get updated. They are showing I have 2 collections on my credit. I have zero. They are showing a balance on XXXX XXXX- that account has XXXX balance as of 2 years ago. They are showing balance on XXXX- that account was paid off last year. They shoe XXXX XXXX XXXX on XXXX XXXX XXXX- that account was paid off 2 yrs ago, they show a balance on XXXX  XXXX- account paid off 2 yrs ago. They are showing a high ; incorrect balance on XXXX. Since Experian is set up to not be consumer friendly its hard to stay aware of the issues they present. They also have my name as XXXX XXXX XXXX. That doesnt even make sense and I can assure you I have never tried to go by that 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 2019-07-13 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has become a global bank with all customer service handled out of our country. The customer service representatives do not have accurate information posted to card holder accounts regarding payments that have been made. False and misleading information has been posted to my closed American Express account to the 3 major credit bureaus AFTER I sent a Bank Check to pay off the entire balance due. Very suspiciously the XXXX XXXX XXXX XXXX number with signature confirmation confirms American Express DID receive a Bank Check for {$3200.00} on XX/XX/XXXX, XXXX BUT American Express customer care claims there is no record of this payment AND still show my account as not paid. There are over XXXX complaints posted on XXXX XXXX regarding American Express NOT posting payments to American citizens AND business owner accounts AND false negative information sent by American Express to 3 major American credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' XXXX XXXX regarding an account on my report which does not belong to me of {$470.00}. XXXX confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. Equifax continues to report the inaccurate information. I last disputed the account with Equifax on XX/XX/19 and received notice on XX/XX/19 that the account was verified. Equifax will not provide information of validity and I have not received documents for validation from Merchants ' XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
" Comenity '' has been calling me from several different numbers, several different states, including " Unknown '' ( anonymous ) numbers for a store credit card I have already paid. 
They have also called me on weekends, at night, and at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 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: GA

Complaint narrative:
I have called and spoke with all three Credit Bureaus XXXX, Equifax, and XXXX   about XXXX XXXX, XXXX XXXX, XXXX XXXX and Milestone credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX Bank was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that EXXXX, Equifax, and XXXX  is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: MO

Complaint narrative:
The following accounts are fraudulent on my credit report : - XXXX XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX 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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I asked to have creditfreeze alert removed and received letter saying they renewed the alert for 7 years per my request

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 2019-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I called to get information on my report. XXXX works for Equifax and did an absolute job of telling me nothing besides how to sign up for fraud protection. 
Repeating the same thing over. 
I am trying to pay and clear some of these items on my report but I got no where with XXXX who he said was his name. 
His tone is hard to understand and just made me feel awkward and didnt point me to any solution. 
I made this call on XX/XX/XXXX at XXXX Mtn time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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:
I have called and spoke with all three Credit Bureaus XXXX, XXXX, and Transunion about XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX  was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that XXXX, XXXX, and Transunion is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged  stage as the accounts are now discharged.

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 2019-07-13 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: GA

Complaint narrative:
I have called and spoke with all three Credit Bureaus Experian, XXXX, and XXXX about XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX  credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX   was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that Experian, XXXX, and XXXX is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.

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 2019-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/13 I was scammed by a PayPal seller. I used PayPal credit for my payment. I talked to PayPal and all they did was put up a dispute and I am very sure the scammer is not going to give back my money. I need my payment canceled. It's credit and not my personal money, so I feel there may be a way to solve this.

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 2019-07-13 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: Merchants' Credit Guide Company
State: TX

Complaint narrative:
On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX   continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Previous complaints : # XXXX and XXXX 1. Statement dated XX/XX/XXXX indicated {$5000.00} due for payments XX/XX/XXXX thru XX/XX/XXXX. False info : XXXX payments were posted XXXX XXXX and XXXX XXXX ; XXXX payment was posted XXXX XXXX and XXXX payment was posted XXXX XXXX. 

2. Mortgage payments for XXXX and XX/XX/XXXX were returned XXXX XX/XX/XXXX. 
Reason Given : " The payments are not sufficient to full reinstate the account ''. 

3. Received letter dated XXXX XX/XX/XXXX from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, RE : Nonjudicial Foreclosure ( File # XXXX ) ( XXXX ) XXXX XXXX. Violation of Privacy Act : Received a letter, mortgage payment history, and banking information for another customer : XXXX XXXX, Acct # XXXX dated XXXX XX/XX/XXXX.

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