vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.

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 2018-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''

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 2018-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: CA

Complaint narrative:
On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money

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 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My client is XXXX years old and has been working with SPS on a short sale for over 8 months now. When she first started she was told she would receive {$10000.00} relocation assistance ( she has this in writing from SPS ). The HAFA relocation program had already expired ( XX/XX/XXXX ) but SPS failed to update their documentation. Then they told her she would receive {$3000.00} relocation ( she has this in writing from SPS ). In XX/XX/XXXX SPS then advised my client she would not be eligible for the relocation assistance. In addition to getting bad information about the relocation assistance, my elderly client doesn't regularly use technology. SPS is frequently asking for " one more change '' or " one more item '' which has caused her short sale to be delayed. My client 's agent finally asked our firm to assist as they are concerned this woman is being taken advantage of because of her age. I contacted SPS directly and was advised that the only change needed was to remove the relocation assistance on the HUD. We did so and submitted that information XX/XX/XXXX.  SPS policy is that they will review the file in 3-5 days to confirm documentation. When I spoke with the Ombudsman department on XX/XX/XXXX they indicated there were no new notes and they would send a request for an update. I called today ( XX/XX/XXXX ) and was advised that TODAY the file was reviewed, so a decision will be made within 30 days. SPS is out of compliance with their own guidelines and again, taking advantage of my client. They dangled relocation assistance in front of her, now took it away, now they are delaying reviewing her file. Once change was needed, one change was made. We need a decision ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a XXXX XXXX rewards credit card. The credit card had about {$60.00} of XXXX rewards. The rewards have since vanished. This is not acceptable. I want my XXXX rewards back.

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 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
I constantly receive calls from ( XXXX  ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX   XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop 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 2018-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, 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 2018-04-04 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: AES/PHEAA
State: MA

Complaint narrative:
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! 

Please help me get these off my credit report. 

Someone said that if they don't have the fake loan paperwork then it has to come off my credit? 

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX  XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. 

What should I do to get this resolved? 

Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I received a notice that I had a new collection on my credit report. Not knowing anything about it I quickly looked up the company and reached directly out to them. They said it was an attempt to collect a debt for XXXX in the amount of {$280.00}. I told them I was unaware of any debt owed XXXX and that I closed my account with them in early XX/XX/XXXX paying any outstanding balances and that the account was closed paid in full. I also said that I didn't want a {$280.00} debt to create a collection on my account so that I was willing to pay it in full to remove it from my report. They said that it would be and so I paid the debt on XX/XX/XXXX, it reflected in their system on XX/XX/XXXX as being paid in full. I then waited until XX/XX/XXXX to check my report again, in which it showed the collection still on my report. I contacted RPM once again and inquired about the collection removal from my report at which time they said that the removal hadn't been processed and to give it until the end of the month to check my report. I waited until XX/XX/XXXX and the collection was still on my report so I called back. This time they told me point blank that the collection would not be removed so I asked to talk to a manager which then lead to be being put on hold for almost an hour and then hung up on or disconnected 3 times before I was finally able to talk to an account administrator. Up talking to them I asked them to verify when the initial notification of the collection was made, they said that the letter was mailed out on XX/XX/XXXX, the collection was listed on my credit reports on XX/XX/XXXX a full 3 weeks before any attempt at notification was made. I then asked where the letter was sent to and they could only provide me with the updated address I gave them XX/XX/XXXX during the phone call in which I paid the debt. When I explained to them that the letter never arrived and that they didn't have my current address on XX/XX/XXXX when they claimed to have sent out the letter they continued to say that it was not policy to remove any derogatory information once it is posted. I then proceeded to ask about the previous phone calls in which I was instructed by their agents that the information would be removed from my report, mainly the one from XX/XX/XXXX, they confirmed that they had talked to me on the prior dates but no information from those calls was available. Had any reasonable attempt been made by RPM or XXXX to collect this debt it would have been paid before being allowed to reflect as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
These people constantly call my phone asking for someone else. I have told them on numerous occasions that I did not know the person and to stop calling my phone yet they have continued to harass me. The most recent phone call was today, XX/XX/2018. They keep telling me that they will remove my phone number but that is obviously a lie since I received another phone call today ( XX/XX/2018 ). They say just enough to get me off the phone after sensing and hearing the anger in my voice but do absolutely nothing to remedy the situation by removing my telephone number. Based on what I have experienced, it would appear to me that their collection practices are borderline illegal seeing as how they keep calling me after being told multiple times to stop. If they do not stop harassing me, I am seeking legal remedies.

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 2018-04-04 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: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) CONTACTED in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Haven't received a promo bonus for opening bank account, I have completed all requirements. Bank didnt pay.

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 2018-04-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.

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 2018-04-04 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: TN

Complaint narrative:
I have filed a dispute with XXXX, Transunion, & XXXX   about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Haven't received a promo bonus for opening bank account, I have completed all requirements.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I never received promo bonus for opening my account. I have met all the terms of 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