vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My balance of XXXX was due XXXX, paid XXXX. Then paid XXXX for late fee ( my fault, didn't review stmt ). Then I noticed my balance was XXXX called XX/XX/19 to see if XXXX payment was lost... was told original late fee was more than XXXX and then I had been charged a late fee on a late fee resulting in the balance of XXXX. 

My questio : Is it legal to charge late fee on nothing but a late fee. This is outragous... Then the young man who was bordering rude told me, we ma'am you haven't asked me to reverse the fee to which I replied I shouldn't have to.

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 2021-10-20 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: IL

Complaint narrative:
Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.

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 2021-10-20 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: IL

Complaint narrative:
Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: IL

Complaint narrative:
Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX  at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
I closed my home on XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX on XX/XX/XXXX. 
Homepoint Financial was my mortgage company and there was an overpayment of escrow of {$2000.00}. 
During the closing Homepoint sent the money to XXXX county IA for property taxes which was an over payment.Taxes were also paid at closing. 

I went to XXXX county to claim the funds and they told me the funds were returned to XXXX XXXX.I raised a ticket with XXXX XXXX on XX/XX/XXXX and got feedback on XX/XX/XXXX Below is the reply Thank You for your inquiry, We verified our records for parcel # XXXX refund in the amount of {$2000.00} was already received from tax office and was processed to the lender on XX/XX/XXXX, Please find the attached screen shot and you can reach out to you Mortgage company ( HOMEPOINT FINANCIAL CORPORATION ) for any additional inquires. HOMEPOINT FINANCIAL CORPORATION Please feel free to contact me with any additional questions you may have. To reach a member of our Customer Product Support Team, please email XXXX or via telephone at XXXX. 

XXXX Customer Product Support. 

I called Home point financial XX/XX/XXXX they got the escrow money but sat on it.I spoke to an agent and she stated she will escalate.Its over 40 days since I closed the home.I need Home point to overnight my refund am struggling to make ends meet and I did not expect this time frames. 

XXXX XXXX Home point Financial # XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XX/XX/2021 I received a letter from a collection agency, Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX XXXX XXXX. On XX/XX/2021 I sent Portfolio Recovery Associates LLC a debt validation letter via Certified Mail with signature confirmation, and I received a receipt that the letter was received and signed for by Portfolio Recovery Associates LLC, from the United States Postal Service on XX/XX/2021. 
On XX/XX/2021 I received another letter from Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX ) XXXX that looked exactly the same as the letter sent to me on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX assignee of First USA Bank got a default judgment through their attorneys XXXX XXXX XXXX XXXX XXXX, XXXX. in XXXX and then filed a lien against me. Their default judgement should have never happened because the service was not perfected. They served my mother at her home, which I had moved out of prior to the service. Furthermore, this debt was included in my XXXX Bankruptcy and was discharged and the lien should have been canceled. I also never had an account nor even heard of First USA Bank until I found out about this lien a month ago. Since then I have not been able to find anyone that can find this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Im XX/XX/XXXX I was served papers declaring that I was being sued by Credit Corp Solutions Incorporated for the amount of {$1700.00}. In Texas, where I live and am being sued in, the statute of limitations against debt collection states that 4 years to the date of last payment made to the debt is the timeframe in which debt can be sued for. The last payment made to this debt was XX/XX/XXXX. The date this debt citation claim was filed was XX/XX/XXXX. This makes the time of last payment to the relevant debt until the debt citation claim being made a total of 4 years and approximately 2 months. This is time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife attempted to close our checking account and checking line of credit at the XXXX VA branch of Wells Fargo. It was explained to her the amount for full payoff of the small remaining balance would be taken from the checking account and used to make the full payoff. This was about {$3.00}. The branch failed to do this in XXXX and as of the beginning of XXXX, my wife and I were notified of a massive drop in our credit score ( now approximately 100 points lower for both of us. ). 

Wells Fargo incorrectly closed our accounts ( never actually did this ) and resulted in more interest on the account and an incorrect and false late payment negative report to the three credit bureaus. The amount of payoff in early XXXX was {$4.00} which I paid in full and closed the account ( again ). The account is still open as of today XXXX XXXX with a balance of {$4.00}. 

I filed a complaint for the incorrect, inappropriate, and negative report on our credit. 

I filed disputes with the three credit bureaus as well. 

I'm XXXX XXXX military with a security clearance and this negatively impacts my work. My credit history is EXCEPTIONAL save for this report on {$4.00}.

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 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I did not give I C System Permissible purpose pursuant to 15 USC 1681c ( b ). I the consumer XXXX XXXX XXXX is the consumer pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. By furnishing this false information you have violated my consumer right pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 USC 1692c ( a ) you not allowed to contact me the consumer unless permission from the courts. Pursuant to 15 USC 1692c ( c ) cease and desist all communication through all mediums. Pursuant to 15 USC 1692d. Pursuant to 15 USC 1692e ( 2 ) ( A ) the false representation of the character amount of any debt. Pursuant to 15 usc 1692f ( 1 ) the collection of any amount of debt unless such amount is expressly authorized by the agreement creating the debt. I am not obligated to pay any debt pursuant to 18 USC 8. Also in violation of 15 USC 1692e ( 11 ) and 1692e ( 10 ). I C System has reported 3 alleged accounts on my consumer report without my permission. Even if I didn't answer to there notice. pursuant to 16 usc 1692g ( c ) failure of a consumer to dispute the validity of a debt may not be constructed by any court as an admission of liability by the consumer. So if you have to have a judge to give you permissible purpose to furnish my consumer report why are you reporting this alleged debt on my consumer report Pursuant to 15 USC 1692j. This is called breaking the law. Pursuant to 15 USC 1692k I C SYSTEM is civil liable for damages for each violation up to {$1000.00} each.

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Delete this collection from my XXXX and XXXX credit file. The collection is already deleted from my XXXX credit file due to lack of evidence and validation within the legal time frame of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/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 2021-10-20 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:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have 2 mortgages with Caliber Home Loans. I pay extra on my mortgage every month that is to be applied to the principal. However, Caliber doesn't apply the extra to my principal. I have made multiple calls, wrote a letter and let them know in surveys I have taken. I received no response to my letter ( letter attached ). When I call every month, they say they will fix it but has you can see from screenshot attached it just makes a mess out of my online account sheet and I can't determine what has actually been done. I have paid an extra {$2000.00} every month this year that was supposed to be applied to principal. I don't see where this has been done each month. The last representative I talked with last week said she would send me a detailed account statement, I have not received it. 

I didn't have this problem with Caliber Home Loans until I refinanced my mortgages last year. The one solution I received was to put in my bank information into their online website and they would pull the funds directly from my bank account. I have always paid my bills through my bank 's bill-pay system and prefer this method. Due to security reasons I will not put my banking information into online sites and give a company access to pull funds out of my personal accounts. 

I have consistently paid {$2700.00} each month. That's {$710.00} Mortgage payment + {$2000.00} principal. If you look at the screenshot of my account statement you will see that it hasn't been processed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.

Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a letter from Macy 's stating they were reducing my credit limit to {$100.00} based on a report from XXXX that my credit score is XXXX. My credit score on XXXX is XXXX. 
I contacted Macy 's credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted XXXX. XXXX is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from Macy 's which I have faxed to them.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets re, movet this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I Apply For A Citi Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the Best Buy Citi Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from best buy credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my XXXX Credit Report BEST BUY CREDIT REFERENCE NUMBER : 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 2021-10-20 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ALLY FINANCIAL # XXXX is still reporting a balance on my credit report but the balance has been settled in full. See attached letter from Ally confirming.

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 2021-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I filed my employer certification with MyFedLoan and got my 120 payments certified. 

A week later, I received a rejection letter on XX/XX/XXXX, stating I didnt certify I was employed this monthwhich had been certified on the same form they approved, and the basis for my hitting 120 in the first place. 

I contacted customer service multiple times and they said my application was rejected in error but there is " nothing they can do. '' Another customer service representative lied and told me federal law prohibits them from telling me where I am in the application process or why I was rejected. 

To make matters even more frustrating, they sent me a letter on XX/XX/XXXX, notifying me that I should apply since I am already eligible for forgiveness. When I contacted them to apply again... .they once again told me that they are still processing my rejection and to check back in 6 months to a year. 

I can not remain in my job for 6 months to a year while they process my loan discharge. I was guaranteed discharge in my promissory note and have fully satisfied all conditions. 

My employer is " the government '' ( XXXX XXXX in the State of Texas ) and no other issues exist on my account. I even used the official PSLF tool and had multiple MyFedLoan represenatives state they aren't sure why I wasn't immediately processed for full forgiveness. 

I believe that this can't be mere negligence and there must be an organized effort inside the organization to reject these applications. No other explanation would suffice to explain the lengths they have gone to block the discharge of PSLF-complying loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union continues to block my capability to make an electronic mortgage payment online since XX/XX/2021. 

Meanwhile, Navy Federal Credit Union continues to assess Mortgage Payment Late Fees against me. 

NFCU was previously the subject of a class-action lawsuit for denying access to members ' accounts when mortgage payments were past-due. In NFCUs previous practice, they blocked all transaction except payment TO a mortgage account. NFCU 's present practice is worse : NFCU is ONLY preventing transaction to a mortgage account. 

This is an unfair practice : Preventing members from making payments while NFCU continues to assess late fees. Eventually... Foreclosure?! 

LET ME MAKE ELECTRONIC PAYMENT TO MY MORTGAGE ONLINE. 

Additionally, Navy Federal 's " secure '' messaging application only works one way : from NFCU to members. This functionality has been broken for more than a year.

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