vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I originally filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2018 and mailed a copy to CBNA also known as CitiBank Best Buy. 
I also mailed the major threecredit bureaus ; XXXX, XXXX and XXXX, copies. The credit bureaus did remove the Citibank Best Buy fraudulent account from my credit report but Citibank Best Buy reinserted the account into my XXXX credit report. 
I have made several phone calls since and after several investigations Citibank Best Buy still reports it as a valid non fraud account. This is a fraudulent card opened in my name, Identity Theft Report was filed and copies mailed to Citibank Best Buy and still thisnhas not been removed which should of been by law but they have still been reporting it illegally. 
I will not await another reinvestigation as that will just delay the process another year.

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 2018-12-05 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: VA

Complaint narrative:
Lost high salaried job in XX/XX/XXXX ( recession ) and fell behind on mortgage payments financed with XXXX. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XX/XX/XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XX/XX/XXXX, we filed for deed in lieu of foreclosure with XXXX and were approved. We had since moved out of the property and turned over to XXXX. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the City of XXXX  XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to XXXX. I called XXXX and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from XXXX. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. XXXX failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}

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 2018-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX   EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX   STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS. 
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: SC

Complaint narrative:
Contacted at my place of employment XX/XX/XXXX, by a Mrs XXXX at ARA, XXXX XXXX XXXX XXXX. They advised me they were calling to collect on a debt from XX/XX/XXXX, which is 25 years old.  They refused to give me any info, other than the name of the original creditor, and the supposed amount owed. 

I told them not to contact me at work anymore, and that the statute of limitations expired for the State of SC 18 years ago. They were extremely ride after I stated this, threatened that they will garnish my wages, and have me arrested. I also have a phone recording of the conversation. 

I am sending them a certified, return receipt little advising then to not contact me any further and that the statute of limitations had long expired. I was advised by my attorney to do so. 

It's also very disturbing that this company has my personal info, including my SSN. They ran a soft credit check on XX/XX/XXXX to get my work information. I did not give them permission to do so, obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018 a deposit to my account through Bank of America ATM in XXXX, Georgia. The check amount {$8100.00} was placed on hold until XXXX.18 at XXXX. An additional check in the amount of {$35.00} made during same transaction and drawn on same banking institution was immediately available for withdrawal. In several conversations with customer service representatives plus a supervisor I was given the same answer that checks over {$5000.00} are held for seven days excluding weekends and there is no way that any of these funds can be made available until this date. Reason given on bottom of deposit receipt : A hold was placed on your check ( s ) because check specific information indicates item may be returned.

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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I qualify for loan discharge as a XXXX XXXX XXXX veteran. 

XXXX sent letter to me on XX/XX/XXXX. 

Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX. 

Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days. 

Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do. 

XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient. 

XX/XX/XXXX Called Navient again. They said they needed more documentation. 

I just want the loan discharged according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly. 

This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My husband and I were applying for a home mortgage through our bank. When the bank tried to pull my credit report from Equifax, they got notice that my account was frozen or blocked. I have never done anything at all with Equifax and am frustrated with how my account was frozen in the first place. 
I contacted Equifax the week of XX/XX/XXXX to discuss this issue with them. They were unable to tell me anything until I submitted a copy of my social security number and driver 's license. They gave me a fax number to send it to. I have continuously tried to fax over this documentation unsuccessfully as it will never go through. I then sent it through the mail with overnight shipping. They told me at Equifax that it will be processed with 3-5 business days. I mailed it on XX/XX/XXXX. 
I have called them every day for the last 3 days and they still have not processed my information. I feel as though I am speaking with a robot every time I talk with someone on the phone. If I ask a question that they do not have an answer to, they will say " If I was in your position, I would feel the same way '', instead of acknowledging that I even asked a question. 
It has been a week and a half and they won't do anything except tell me " It takes 3-5 business days to process. We have not yet processed your information ''. They will not unfreeze my credit, which I did not freeze in the first place, and are unwilling to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
My issue was well explained in my complaint report along with supporting documents attached that was first addressed to the Federal Trade Commission and later was referred to your office on XX/XX/XXXX which now have an assigned Case Ref. No. XXXX ( XXXX XXXX XXXX ). 
The result ( s ) of that investigation did not seem to fix the problem as relayed by a cfpb representative thru telephone on XX/XX/XXXX because of a reply stating thereon that the derogatory report on my credit record will remain until after 7 years. A hard copy of that result will be mailed for my reference and record but unfortunately, that copy hasn't been received to this date for my official response. 
In this connection, I would like to request the Consumer Financial Protection Bureau to please go over with the attachments, specifically on the matter about payments made for on my behalf by XXXX ( XXXX XXXX XXXX XXXX XXXX ), a Debt Consolidation company that showed XXXX XXXX XXXX or XXXX/XXXX  had been receiving regular payments without let up since from XX/XX/XXXX till XX/XX/XXXX, and therefore, Charge-Off report by the said creditor is off the question. 
A Charge-Off account means a declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 6 months without payment. Based on this statement, does it apply to my case? 
In this regard, XXXX XXXX XXXX/XXXX/XXXX has committed unfair, deceptive, or abusive acts or practices that have greatly impacted my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: DE

Complaint narrative:
In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX  XXXX XXXX. After several weeks of treatment the XXXX   sent me to get an XXXX done at XXXX XXXX XXXX  XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX  4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. 

I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX  sent me with a referral I do not believe I should have to pay the full amount for the XXXX. 
It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Written multiple letters to the creditor and I never received a response nor a copy of any documents supporting that the amount stated was owed by me.

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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
A caller from XXXX routinely calls my cell phone attempting to solicit information related to a credit card service. I have repeatedly attempted to opt out of the calls by selecting the automated option to " opt out '' in addition to confirming that I registered my cell phone for the National Do Not Call Registry on XX/XX/2013. 

Today I received another call from this same company and selected the option to speak to a representative. When the representative answered he stated he was with Visa Credit Card Services. I informed him he was calling my cell phone and that I had previously opted out on several occasions. He responded stating " go XXXX  yourself you XXXX XXXX '' then he hung up. I called the number back and asked for his name and employer id number which he refused to provide and hung up again. 

I have contacted Visa to report this issue and was informed this caller was not affiliated with Visa Credit Card Services. Instead, Visa alleges this is a fraudulent company who has obtained Visa 's customer information and is attempting to use it for fraud activities.

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 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to have them remove the two hard inquiries that were listy on my credit report with out my permission. I then proceeded to tell the woman I spoke to that I never Inquired about any of thier airlines or credit card. I continued to notify her that XXXX showed up on my credit report twice once in XX/XX/XXXX and again in XX/XX/XXXX and it clearly says XXXX XXXX XXXX XXXX/XXXX. The woman got my information just to make sure I didn't have an account with them. Then laughed at me and said " I just realized your my 10th call on this situation today. We are not an Airline you will have to file a dispute with your credit company ''. Instead of filing I called XXXX XXXX and I was told I needed a letter from XXXX  to be able to remove it. I don't even have an account with them nor have I ever heard of them. I also looked them up and they are way over in XXXX FL I don't even live near there. This needs to be fixed. I also found on the forum on credit karma I am not the only person this is happening to. Something needs done about 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 2018-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in 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 2018-12-05 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: NJ

Complaint narrative:
To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS  TO BE REMOVED XXXX XXXX  XXXX Transunion Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE 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