vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XX/XX/XXXX Received a letter from XXXX XXXX XXXX introducing the company and explaining that they had taken over an account, Citibank/Home Depot, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to XXXX saying that I had never owned a Citibank/Home Deport credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked XXXX  to provide detailed account information of all supposed purchases, to include dates and vendors. 

XX/XX/XXXX XXXX  acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. XXXX  also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. XXXX enclosed a letter from XXXX XXXX, Vice President of Citibank saying that my loan ending in XXXX  with a balance of {$320.00} had been sold to XXXX. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a Citibank card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a Citibank/Home Depot credit card and that this was not my dept. I again asked XXXX to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from XXXX offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to XXXX saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.

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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC
State: TX

Complaint narrative:
I assume this is a debt collector because of the repeated calls. They call relentlessly, and have called 3 times before XXXX XXXX. The company name is Allied Interstate LLC. In the next section it asks for the account number or the last 4 digits of my social security number. It kept rejecting the last 4 of my social and I have no idea what the account number would be.

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 2019-06-11 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: GA

Complaint narrative:
I have applied for a mortgage loan and they are unable to obtain my Equifax credit reports due to the fraud alert and the way they have my name reporting on their file. My name is XXXX XXXX. Equifax has XXXX XXXX and this is not my name. I have disputed with Equifax many time to remove XXXX because that is not my name. Also, I will need to add my contact telephone number to my credit file. 

My correct name : XXXX XXXX My contact telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX-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 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX made a {$140.00} purchase through XXXX. Loan expiration was XX/XX/XXXX. This was an EQUAL PAYMENT NO INTEREST loan. All payments were to be calculated by Synchrony IN FULL. Automatic payment of {$830.00} was made on XX/XX/XXXX. The {$140.00} loan was to have been paid off. It was NOT! {$2.00} remained. Synchrony online posts this warning : " Promo Alert : You have a promotional purchase that will expire within the next 30 days. '' This alert is NOT sent via email or phone call or text. I called XXXX and spoke with XXXX. He had a series of excuses that implied it was the system and that I was liable. He said he could take the {$2.00} payment information from my debit or credit card. I advised him that I was contacting XXXX management and the CFPB over this repeated deceptive and fraudulent practice of cheating customers. I have manually made the {$2.00} payment online however I have no confidence that Synchrony will even apply that payment to the balance. XXXX management are investigating. This has been a repeat complaint. I have advised XXXX management once again to seek other more honest financing options than Synchrony such as XXXX. Why is it that the CFPB allows Synchrony to continue with this type of fraud and deception?

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 2019-06-11 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: GA

Complaint narrative:
I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Note : There are 3 attached files. BoA Rates at the time I asked for a lock in ( which is different than the rate I was given ), and 2 different versions of the Closing Disclosures. It is important to note there are 2 versions because there is a major discrepancy in these two documents that needs to be addressed. 

My name is XXXX XXXX XXXX and I applied for a mortgage from Bank of America in XX/XX/XXXX. The loan condition was supposed to be removed XX/XX/XXXX and we were supposed to close on XX/XX/XXXX. BoA did not have their paperwork done in a timely manner, they keep requesting information last minute, which I provide, and then have problems removing the conditions or updating their information. While I have had countless problems with BoA here is where we stand : 1. We were supposed to close on XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. BoA still does not have their paperwork done and we will not be closing on XX/XX/XXXX. I have been ready, with all paperwork sent in and cash on hand for closing, since early XXXX. 
2. The loan rate was locked in for 45 days ( ending XX/XX/XXXX ) and then extended 7 days ( XX/XX/XXXX ). I suspect we will have to continue extending the lock because BoA does not have their paperwork done. 
3. I was informed that the rate would be 3.875 %, however their advertised rate for someone with my credit score ( XXXX ) was 3.25 %. I am asking for them to honor the 3.25 %. I was informed this was an advertised rate, and not the actual rate. It is fraudulent to list one rate and charge another. A screenshot of that rate is included in my complaint. 
4. I was issued 2 versions of the Closing Disclosure. The first was issued on XX/XX/XXXX and had a lender credit of {$6100.00}. I was issued a second CD on XX/XX/XXXX and this credit was removed. This has increased the cost of the loan by over XXXX ; this was money that was granted by the underwriting department as a grant and then taken away. I'm asking that this be immediately restored. 
5. I was informed by XXXX XXXX that since I was paying 20 % down I did not need to include " taxes '' as part of my monthly payment to BoA. I was then informed XXXX XXXX ( both BoA ) that if I did not include them, my rate would increase by .125 %. So I don't know which person is correct. I'd rather pay the taxes myself, but if my rate will be increased then naturally I'd want BoA to pay it. However, I DO NOT TRUST BoA AT THIS POINT, they have f 'd my loan up so badly I do not trust them to collect my taxes.

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 2019-06-11 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: CT

Complaint narrative:
I sent a dispute to Equifax on XX/XX/2019, I have yet to receive a response and this is not the first time this has happened with Equifax , they seem to not send dispute results as required or even complete a dispute that was properly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX. Navient applied a forbearance that they automatically did. In XX/XX/XXXX, My mother ( XXXX XXXX ) and I asked for them to lower the payments. They transfer us to someone to help. They asked back our income and later they sign us up for a 0 %  interest. The woman asked for my mother debit card information. The payment never came out and the agreement wasn't never set up properly. But, she made a payment in the amount {$50.00}. On XX/XX/XXXX, I received a email about the waiving the late fee 's, lowering your monthly payment over a period of time, bring your loan up to date just by making your current monthly payment and forgive portion of the balance as long a mutual agreement on settlement terms can be reached. On XX/XX/XXXX at XXXX EST, I spoke to XXXX XXXX. She claim here employee id:XXXX. I spoke to her about my account. She said my account is 93 days past due. I told her, I understand. But, I received a email about waiving the late fees. I told her I can't afford to make payments that high because. I'm on a XXXX. I'm on a fix income and can I settle the balance. She told me XXXX. I told her I can't settle that. I asked her about my options. She told me that all. I told her I guess. You can't help me. She said I guess I can't help you. Her attitude and not willing to help. I don't understand that. So, I hung up. I call back at XXXX, I spoke to a lady by XXXX XXXX , she was very helpful and understanding about explaining my options. I asked her about a settlement, she told me to discuss it with my mother the co-borrower and come up with a number. I already exhausted all the options except for one of them a settlement. I have had this loan since XX/XX/XXXX and it's XX/XX/XXXX. Between that time, I have suffer from XXXX XXXX and I'm in and out of the hospital. My mother is on social security. I have exhausted all my other options. Such as lowering my payment and If, I do catch up on payments the loan doesn't never go down. I still have to pay for my medicine and doctor visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
tried to turn my car in to XXXX they gave me issues taking the car back made me take it too another dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My wife and I have deposited our homeowners insurance claim check to our public adjusters account before. But upon closure of the claim, the last check came in and Bank of America refused to accept the deposit like they have done before. Their reason is that all of the payees have to be present. It is impossible to get all three payers to the bank at once for signature verification and they have never refused the checks before until now. We were not attempting to cash a check, merely deposit it into the adjusters account. I was not able to accompany my wife, and have never been with her to deposit these checks. I would like to know why banks are allowed to practice such inconsistent practices without repercussions? The amount of money it will cost us to get together exceeds the value of the check. The manager, XXXX, said that she doesnt care what they did before, but policy was that all payees have to be present. I would have no issue if they had done this each time, but this is the only time they have said this. Bank of America will never gain our companies business over this since my wife drove over an hour to the closest branch.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NH

Complaint narrative:
XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/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 2019-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-11 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX, XXXX, and XXXX are been non-compliant with removing the unverified account WESTLAKE SERVICE INC XXXX. XXXX, XXXX, and XXXX have both completed their research and determined that WESTLAKE SERVICE INC was not established by myself but XXXX, XXXX, and XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX, XXXX, and XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX I got a loan from Sallie Mae for XXXX. Its now XXXX and I still owe XXXX. Ive paid this loan 2-3 times over. The year XXXX, I scheduled for the loan company to take money out weekly for every time I get paid. I paid {$3300.00} ; which is on my tax information. I went on Navient which has my loan now and looked at the life of the loan and the information does not match up with my actual payments. According to Navient I paid a total of XXXX, which is in correct. It also had late fees that were doubled and I was making payments sometimes on the same day as the payment was being removed from my account. On XX/XX/XXXX, I requested all payments from this loan and my contract. I was told it would be sent out. Im concerned that my payments were misappropriated and late fees were being charged, when I was making payments and Im being overcharged when my loan should have been paid off a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
Navient Student loans : I have been unable to figure out why, when I make an overpayment, my due date is not advanced when I direct it to be. I have gotten several different answers, including from customer service management, none of which make sense to me. An example : In XX/XX/2019, my amount due for that month was {$0.00} on XX/XX/XXXX, because I had made an overpayment already to advance this to XX/XX/XXXX. In XXXX, I made a full payment anyway, distributed as per federal requirements, and had instructed them to advance the due date. Despite this, my due date was not advanced, and remained XX/XX/XXXX. What Navient is saying is that, despite having a {$0.00} balance in a given month, I would have to pay two full monthly payments anyway, in order to advance the due date by one month. This makes no sense, as both payments would already be overpayments.This has happened to me repeatedly over the past two years. I have contacted them numerous times ( for which I was given different explanations and told it was fixed ), and it took a year ( and me directly emailing their CEO ) in order to get the above explanation ; which I still don't think makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
I had an issue with my Mortgage company XXXX XXXX bank which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX  is still reporting this under the XXXX. This is inaccurate.

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