vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
My credit reports from ( XXXX, XXXX and XXXX ) are reporting incorrect information from Barclays. they have a hard inquiry listed on my credit report that was requested onXX/XX/XXXX. however, this was not authorize by me for them to run my credit. <P/>I contacted Barclays Bank onXX/XX/XXXX, I stated that I never applied to a credit card with them or do n't have a credit card with them. never had any contact with them. they told me that they never reported any information to the credit companies because they do n't have any information to report. <P/><P/>BARCLAYS BANK DELAWARE XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

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 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC)
State: LA

Complaint narrative:
This company which I hold no contract with nor have received services from, reported a collection against my SSN in the amount of {$420.00}. They are calling THREATENING to SUE, the calls started on Yesterday and I spoke to a XXXX XXXX who I stated that I was filing Bankruptcy again and will contact my lawyer, however, ALL my BUREAUS are LOCKED and have FRAUD alerts and FROZEN so they ILLEGALLY obtained my information. I Never received any formal communication from XXXX and only asked a question of who they were and why are they calling cause it is my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Guidiville Indian Rancheria
State: OH

Complaint narrative:
On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
On XXXX XXXX, 2013, our home went into foreclosure while going through the process of loan modification. We were told not to make payments while going through this process because it would delay the process. Each time we would call, they would tell us to send another copy. After numerous paperwork sent and 10 months later, we received a letter from Flagstar 's Attorney stating that our home would be sold on the courthouse steps in XXXX, AR. XXXX. We owed {$200000.00} on our home. They sold our home for {$110000.00} but yet they would not work with us to keep it. Due to Flagstar 's actions, needless to say, our credit report has shown negative and derogatory information for 4 years.

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 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XXXX XXXX-2017, was charged {$34.00} for insufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for in sufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds/overdraft fees XXXX XXXX XXXX-2017 was charged {$34.00} for insufficient funds/ overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds-overdraft fees. All these charges are not justify from their rules and regulations, therefore i requested a full reversal all the above charges XXXX-2017 ( at the time was only 3 times charged insufficient funds fees spoke to XXXX XXXX XXXX ( manager customer service for jp morgan chase ) and she totally deny any credit back to me and also she was unwilling to give me her id number. jp morgan chase has manipulated their rules and regulations so they can charge customers unjustified fees. the followings will describe how jp morgan reformulated their rules so they can steal money from consumers. # 1Last year they closed everybody overdraft protection accounts ( customers will have a line of credit to use it when account will go overdraft so they may charge over the limit fees # 2 they allowed checks to go in the account anytime during the day so they may charge customers fees unaware of the activity in their account # 3 i used login in the early morning in my account and see all the pending charges and covert them accordingly to a time frame regulated from the bank example : if a transaction will be pending status for {$500.00} at XXXX XXXX and only have {$300.00} in the account will make a deposit by XXXX and covering now checks are allowed in the account anytime of the day so the pending status does not exist anymore. its not fair that jp morgan abuse his customers this way and we all deserve a fair way to be treated even if we struggling financial

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.

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 2017-07-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a Chase credit card with XXXX XXXX. It has an annual fee each year. I called at the beginning of my billing year to cancel the card ( completely close it out ) and avoid paying the yearly fee of {$60.00}. The customer service specialist said that he closed my account and credited my account for the fee and that this would be no problem. <P/>A month later I got a notice saying that not only was my account still open, but I had a late fee and interest for not paying the annual fee! I called them back to close my account and get credited back for the annual fee and the late fee that was erroneously charged, but they would n't let me. I got to a supervisor that said that there were no notes on my account that said I called to cancel, but that there was a record that I called. <P/>My account still is n't closed and they are conducting an investigation of the previous call and they wo n't refund my annual fee. They said they would call me in 7 days but I 'm not confident that they will do anything, since they could n't even close my account right the first time. <P/>As far as I know, my account is still open, too. I 'm not sure what I have to do to make this card go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
Ford Motor Credit Company Share information regarding vehicle and attempt to discredit my family credit. I purchased the Ford Focus after my car was destroyed in XXXX Parish. In addition, after resigning from XXXX XXXX XXXX XXXX the XXXX Pension and Benefits were delayed which payment of my XXXX XXXX XXXX. The XXXX XXXX was repossessed because I reported XXXX XXXX and corrporation with XXXX and XXXX personnel. I would like an investigation with the Toyota Dealership located on XXXX XXXX and Ford Motor Credit Company. I truly believe these activities altered my economy recovery. Also, I truly believe XXXX XXXX XXXX, XXXX, XXXX, XXXX and the State of Louisiana are aware of these issues. <P/>I truly believe the Louisiana School Board, City Counsel and Churches within the State of Louisiana may verify this criminal activities. <P/>XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX may provide additional information. <P/>During the 3 past years my cars were destroyed, vandalized, and stolen while living in XXXX XXXX XXXX XXXX, TXXXX XXXX XXXX - XXXX, Louisiana, and XXXX XXXX XXXX, XXXX, Louisiana. <P/>Also, occasionally I am attacked by dogs when leaving my resident. <P/>Please contact XXXX XXXX for verification of resident. Also, please contact the XXXX Parish Sheriff Department for detail incidents reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Nationstar mortgage began servicing my loan in 2013 and they tried to escrow my taxes even though I was not - or ever - late on them. I sent them proof of payment of my 2013 taxes but they have persisted trying to pay my taxes with the county every year since. The county I reside in sends their money back. That is, until this year when Nationstar proceeded to pay my taxes early, forcing the county to send my payment back. The problem is that I was in bankruptcy at the time and received no notice of this escrow. So, I kept paying the same mortgage amount every month - on time, as always - and now Nationstar has been applying those payments to a shortage account and says I owe them thousands of dollars to bring the account current. I have tried to pay them back this years property taxes on two different occasions but they returned the payment. They seem insistent on escrowing taxes on this account and I do not want that. I have never been late on them so they have no grounds for this. They will not entertain reversing the escrow until I bring my account " current '' for which it already is - I have been paying the monthly mortgage, although they did send one payment back for some reason. This is very egregious behavior and they do n't seem to want to resolve this. I need help intermediating with them and hoping CFPB can provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.

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 2017-07-07 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: PA

Complaint narrative:
I have attempted several times to correct information with transunion to no avail. I have placed 3 separate disputes in order to correct the information. The first one went without response. The other 2 I was told that " transunion has investigated the dispute and finds the information to be accurate '' - which is not possible, because the information is not accurate at all. <P/>I have XXXX accounts that are showing some form of late payments - in which I have spoken to the creditors and they say that they have never reported anything late as I have always paid on time. <P/>This issue is seriously affecting me as I am unable to receive student loans to for medical school because of this incorrect information. <P/>I believe in either case, the failure for Transunion to respond to my first dispute letter within the allowable timeframe ( or in this case, not at all ), is in violation of the Fair Credit Report Act and the disputed late payments should be corrected to reflect accurately a paid on time status.

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank

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 2017-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
2-Student loan now purchased by NavientXX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX ; two accounts same act # XXXX 1 in the amount of {$8500.00} the other {$12000.00} With Navient 1 year ago I begged for forbearance, they granted it then a few weeks ago Navient started harassing me once I asked for credit reports after my identity was stolen with credit opened in my name. They gave me the forbearance then once I pulled my credit report after being hacked they started with the 24-7 calls. The history of the loan goes back to XX/XX/XXXX ; I was coerced into buying the loan/school program did n't finish it for 2 reasons. 1. Once I realized I could not afford 2. Soon also learned it was not accredited Please assist me in having these expunged, removed, forgiven and stop the harassment. Thank you for all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A. In XX/XX/XXXXBank of America & 4 other major American Banks agreed to the National Mortgage Settlement ( NMS ) with 49 state attorney generals & Department of Justice ( DOJ ) under XXXX XXXX, Bank of Americas contribution was {$17.00} Billion good thru XXXX, monitored by XXXX XXXX a XXXX lawyer, in exchange BofA formally agreed, admitted : # 1. They knowingly misled the government and public about the value of toxic mortgage securities and # 2. Cease their previous illegal foreclosure practices. This agreement provided true principal reduction relief to struggling homeowners with a fixed 2 % P & I mortgage interest in exchange BofA would receive a {$2.00} credit write off for every dollar forgiven of mortgage interest, property taxes & insurance. I had 3 properties with Countrywide/BofA in some stage of foreclosure at the time & chose to resolve only 2 of the 3 properties thru this excellent program so why did they leave the 3rd property ( this one ) hanging with no written offer or resolution? nevertheless my 3 property arrears forgiven on their accounting books thru the NMS agreement. <P/><P/>B. Around XX/XX/XXXX i started a mortgage modification with BofA assuming it was the 2 % P & I with forgiveness they had agreed to & were suppose to be applying instead process dragged on for 3 months with piles of personal financial information requested while knowing they were trying to transfer the servicing & were never going to complete mod instead transferred service to XXXX who approved a mod in XX/XX/XXXX that added {$110000.00} to my original principal balance of {$130000.00} for total of {$240000.00} on a home worth {$140000.00}. How does this modification help? what a joke on top of it XXXX established an escrow account without my consent while threatening to foreclose since i will NEVER sign their illegal predatory permanent modification in its current form. I do continue to make my mortgage payments however in hope this is corrected. <P/><P/>C. How is this fair to borrower? The current modification environment forces you eventually back into foreclosure if you sign the permanent modification, it does not resolve the problem but temporarily delays the situation.

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