vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I contact XXXX, Experian, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to 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
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX 's ATM card was stolen and a fraudulent check was deposited via mobile banking and withdrawn via ATM by the thief. When Santander Bank recognized the check was fraudulent, the funds were removed from XXXX XXXX 's account, resulting in a negative balance. When XXXX XXXX went to the bank to ask for help and ask why her account was negative, Santander insisted she pay the negative balance, even though a thief was using her account for fraudulent activity.

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 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My home mortgage was with XXXX XXXX. XXXX sold it to Nationstar/Mr Cooper ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) and starting XX/XX/XXXX ( Ref. loan # XXXX ), I have been paying Nationstar. So far I have not missed a singly monthly mortgage payment of {$1800.00} since I owned my home in XX/XX/XXXX. 

I got into financial difficulties and found it difficult to pay the county tax in XX/XX/XXXX and I contacted the county office. Their advice to me was that, the county does not take action unless I fail to pay for 5 years and I should be more concerned about paying my mortgage payments regularly. I did not pay county tax due XX/XX/XXXX and XX/XX/XXXX.. 

For reasons not made clear to me, Nationstar decided to pay the county dues of XXXX and to that added my next year dues and mailed me a monthly payment requirement of {$5200.00} starting XX/XX/XXXX. 

I contacted my lawyer for help and he advised that the dues to the county are far too small to justify legal counsel and I am better off trying to clear the payment to the county. 

I paid Nationstar my monthly dues and {$1800.00} in XX/XX/XXXX and XX/XX/XXXX on time. Instead of applying it towards mortgage payment, they placed the payments in an unapplied funds account. 

I had applied for a loan adjustment. 

I tried calling them repeatedly and send them emails listing my intent not to proceed with the loan modification and that I will pay the {$10000.00} to Nationstar and future property tax due to the county directly. 

I paid Nationstar {$10000.00} on the XX/XX/XXXX followed by an email and voicemail detailing on how I expect the payments to be applied. 

Today when I logged on to their website, I see that they have applied all my payments towards 2 monthly payments of {$5200.00} ( for XX/XX/XXXX and XX/XX/XXXX ) and the rest {$3500.00} as Additional Principal. 

How can a person with financial trouble make additional principal payments. The behavior of Nationstar/Mr. Cooper appears to be predatory and deliberate to force me and my family to be rendered homeless. I suspect the reason for this is due to the fact that my home equity is more than double the loan amount owed. Please help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: AZ

Complaint narrative:
I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.

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 2017-11-21 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: LA

Complaint narrative:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On my XX/XX/XXXX billing statement the company had moved the billing cycle date and I missed paying off the entire balance by {$74.00}. 
I noticed this and paid the interest due and the entire balance the following billing cycle on XX/XX/XXXX. The interest charge was {$10.00} which seemed in line with the 14.99 % rate so I did not question it. 
on XX/XX/XXXX I noticed another interest charge for XXXX. I called the service line. They told me that because I missed paying off the {$74.00} on my XX/XX/XXXX billing cycle that I would be charged interest on my average daily balance card use. So even though I paid my account in full they said they had the right to charge me interest on all of my purchases for 2 months using their average daily balance interest calculation .... 
After 3 phone calls they agreed to take off the interest charge since I always paid my account in full for 2 years and they moved the billing cycle dates.

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I refinanced my home in order to pay Navient my 2 student loans ( Account # XXXX ). Wire was sent from XXXX XXXX XXXX XXXX after receiving instructions from one of their customer service representatives with the wire instructions to payoff my loan. The payment was sent on XXXX the XXXX, 2017. I called the following week because my loan still showed the full balance and they told me to call another day to see if it would post. I called the following day and they wanted me to call a week from then. I told them it was a wired and it should have cleared the account the prior week because the money was in the account they give me to payoff the loan. They told me they would investigate and for me to call the following week. I call this week and they told me the request was done wrong and that I would have to wait another week for the new request to be processed. All of this while my account is still accruing interest. When I expressed my concerned about the interest being accumulated they said sorry but there was nothing they could do about it. I have the documentation showing the wire was sent out to them on XX/XX/XXXX, but they are not helping me and all they say is sorry and to keep waiting. They did not refund the almost 42,000 back to the title company, they still have it in their account and they still have my student loans open. At this point I do not know what to longer do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: NY

Complaint narrative:
On Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.

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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: OR

Complaint narrative:
I am trying to get a written debt validation from this company called " SIMM ASSOCIATES, XXXXNC. '', but they are refusing to give it to me. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), it is my right to receive in writing " letter '', the proof that this debt is owed.  They are constantly calling me, asking for payment and making threats about reporting this to the collection agencies. They are doing all this without showing me a debt validation. They are breaking the law and should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Robert L. Tankel, P.A.
State: FL

Complaint narrative:
I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: LA

Complaint narrative:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.

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 2017-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. 
A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been banking with Citibank for over 15+ years. In XXXX  2017 Citibank allowed a fraudulent transaction to go through with my checking account. A check was processed/debited from my checking account two times on different dates. The recipient of the initial check might have committed a fraudulent activity by redepositing a check that they deposited two months prior. Citibank allowed the check to clear my account the second time around and has yet to credit me back my money that was clearly stolen from me. It is now the end of XX/XX/XXXX and i have not gotten any feedback from Citibank. I will be removing all my money and changing mortgages once this is finalized. Citibank has shown me terrible customer service in this situation. Utterly disgusted with Citibank.

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 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to purchase {$2000.00} in bitcoin from Coinbase inc. Their mobile app froze and i went to do it on a computer. Unknown to me they duplicated the transaction. So instead of {$2000.00} it was {$4000.00}. I contacted them to explain for which they told me tough luck. I contacted my bank to alert them and they took steps to stop the duplicate. However according to a support specialist at coin base, they decided to take {$2000.00} from me to cover that transaction. This makes no sense as my account went from {$4000.00} bitc coin to XXXX. Im not sure why they took the othetr {$2000.00} our and when I asked them where the money went nobody knows. So basically they stole money from my account and made is mysteriously disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Ive been repeatedly contacted by people from CBE Group. A quick XXXX search indicates that this may be a debt collection agency. Ive asked them to provide amplifying detail regarding the nature of their calls but they are evasive, not wanting to communicate until they get additional PII which I am not willing to give until I understand the nature of the call. Its highly suspicious. Ive asked them to stop calling but they continue. 
Theres no debt here and I am really concerned this is related to one of the numerous data breaches we have been subject to. What do I do to stop them from calling? The last two numbers they have called from have been XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: IL

Complaint narrative:
I contacted Transunion to remove an item from my credit report it was stated it was removed and then added on withut a 5 day notice which is not legal. It was also in my report as date opened on XX/XX/XXXX but the close date of the account was 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 2017-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.

Company response to consumer: Closed with explanation