vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.

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 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i have tried to get peoples united bank to stop this electronic check cashing i needed a check for proof and they told me they did not have proof cause it went thru electronic i told them i write checks to cash so i have proof of that transaction they kind of said oh well is this right what can i do to stop electronic check cashing or is it made so we can not get copys of cashed checks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is our bank, and we have filed several requests/complaints that XXXX has been charging our account without authorization for over a year. Each time we have requested that they refund the charged amount, refund any related overdraft fees, and not allow XXXX XXXX to charge our account. We just filed another complaint today, but we do not expect chase ( despite proof from XXXX via an email response that they do not have an account for us ) to help us any longer. They are making it way too complicated to receive help or assistance. We have provided proof. they have asked us in the past to try reaching out to XXXX  again. They will not accept our call about the charges because they can not find our account despite us providing ALL of our personal information, cards charged, bank info. We tried to log in online - same problem - no access because we dont hav an account with them. Finally they responded in writing via email - with a stupid response that " maybe we didnt provide them with the right information to find the account ''. We have provided them ALLLLLL of our information and they can't find it. We are also filing a complaint with the XXXX  DA 's consumer office against CHASE and XXXX who we can only assume are now in on this together in some screwed up way. We are hoping you can help us force Chase to immediately refund our money going back at least 7 months ( more than their standard refund period - due to their inaction - at the very least once they received the complaint and our request to stop allowing them to charge us, they should have stopped it ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: MD

Complaint narrative:
This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.

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 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. 
I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to cancel my membership with EXPERIAN, my monthly membership of {$24.00}. Starting on XX/XX/2018. 

I sent 10 emails and non of them was answered. 

I called 10 times and the automated attendant never guide me thru a real person. There is no option to cancel the account, but when I manage to transfer the call to a representative, the waiting time is more than 2 hours, the call ends abruptly before an agent took my call. 

Today XXXX XXXX I'm still not able to speak with Experian to cancel my 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 2018-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old Capital One credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the Capital One monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the Capital One statements, the account was charged-off on XX/XX/XXXX and based on Capital One policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to Capital One was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX  ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called Capital One ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX XXXX and XXXX  but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: NY

Complaint narrative:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXXl XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, Equifax, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: SC

Complaint narrative:
After submitting my complaint about an item falsely placed on my credit report on XX/XX/2018. Equifax removed the item and replaced it with the same item reported earlier by another collection agency that had sold the item to the agency that they removed. My previous complaint showed that I have no accounts in collections from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.

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 2018-03-16 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: TX

Complaint narrative:
On XX/XX/XXXX. I noticed several unauthorised inquiry on my credit report. I sent a letter of investigation to Equifax to investigate it and provide me proof because this hard inquiries was not made by me. And I did not authorize anyone to place such inquiry on my report. I requested that if they can not provide a valid proof with my signature on it, they should remove the hard inquiry. I did not hear from Equifax. Equifax never responded to my query and I sent another letter twice without any response. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX. 

But after some months, Equifax sent me an online message without any proof of investigation stating it was verified. They never provided me with any proof with my signature on it as required by the law. The hard inquiry has hurt my ability to obtain credit at a fair rate and cause me financial hardship with high interest. I personally contacted XXXX XXXX  and they sent me a letter that they will remove the hard inquiry, but till date they never removed the unauthorized inquiry even after they have sent me a letter that they know it was a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my 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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax to verify some information regarding debt collections showing on my account. 
They have not sent me any information back regarding the verification of this debts it has been over a month I'm asking for these debts to be removed from my Equifax Credit Report as they are hurting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
I had a balance with XXXX last year and it went to collections. I realized this when I got my credit score and subsequently paid off the amount of XXXX dollars in XX/XX/2017. However the collection still shows on my credit score and it affecting the score.

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 2018-03-16 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief