vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX RE : Notice of stolen/unauthorized use of ATM/Debit Card Account ( CitiBank ) Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was stolen & was used for an unauthorized transaction on XX/XX/XXXX. I did not authorize any transactions on or after this date, and I did not authorize anyone else to take moneys out of my account or use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$2000.00} I am able to provide a copy of each of the following documents to this letter : 1. A copy of my Bank Statement which includes : o Copy of Fraudulent Check deposited and withdrawn o The police report about the theft of my identity and robbery that happened in XXXX XXXX. 
o Copy of Bank Statement reflecting fraudulent withdrawals 2. The FTC Notice to Furnishers of Information I went to the bank and I asked them to close the account and restore any funds which have been withdrawn from my account. I asked banker to also notify me in writing of the results of their investigation and asked them to send me written confirmation that all stolen funds have been restored and the account has been closed.

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 2020-01-06 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: MS

Complaint narrative:
Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My father school gave him a check to deposit but he could not deposit it because he is XXXX I placed the check inside of my bank account The school cleared the check and now Citibank is blocking my account My father is XXXX and he can not move so he takes online classes They want him to come to the branch but he can not move I told Citibank to give me back the check and I will give it back to him But they have already cashed it The school can not issue out another check because Citibank has stole the money which is illegal I spoke with a representative named XXXX with ID number XXXX and XXXX from the risk management department in Maryland I said I just want my fathers check back and to close the account They refused to give it back so I had to file this complaint

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 2020-01-06 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: CA

Complaint narrative:
Navient is claiming that I did not fill out an income based application, which I did. I filled out the application in XXXX 2019. As a result, my account has been assessed with fees and they refuse to acknowledge that I sent in my application. 

The income based repayment program grants consumers lower payment options and relieves consumers of their debt after twenty five years. I believe that Navient claims that they have " misplaced or loss '' the filled out application not only to add fees to consumer accounts but to ensure that the clock does not start on the consumer being able to relieve their debt in twenty five years. 

I filled out an application in XXXX 2019 that was accepted and approved by Navient. However, they have claimed that they do not have it and even if I send them the completed application they agreed to, that it is no guarantee that my account would be back dated to the date of the application. This is unfair and it seems illegal since the application is a legally binding document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial
State: TX

Complaint narrative:
On Q Financial has requested several documents that I have submitted based on each follow up I've performed. The initial application, letter of explanations, and additional letter of explanations to clear up questions/concerns on behalf of their underwriting review. I've talked to their Loss Mitigation department requesting a one time 30 day foreclosure postponement to allow time for underwriter decision, and I've been advised that the online portal they have, they are unable to view documents I've uploaded them until 24 hours. My property will be up for auction tomorrow, and unfortunately I do not have the 24 hours window to wait as my home is up for auction tomorrow XXXX. On Q financial has all of my information.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I placed a credit freeze online with Experian around XXXX of 2019. I carefully wrote down my pin and the information used so I could unfreeze my credit later. On XX/XX/2019, I attempted to unfreeze my credit online and was told I needed to mail them a written request including copies of my social security card and driver 's license. 

I am under the impression that federal law dictates I should be able to place or remove a credit freeze online or by phone and have it executed within XXXX hour. 

There is no way to contact Experian by phone. I've tried multiple times to talk to them regarding this issue on XX/XX/2019 and XX/XX/2019 ( during business hours ). Their automated system will not allow me to reach a live person. The automated system repeats the same information that I need to submit my request by mail. 

Please help me CFPB. I do not want to mail my identity documents and risk them being stolen when I should be able to do this task online or by phone. 

Thanks.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
BARCLAY 's Bank - XXXX XXXX XXXX Master Card My Statement Due Date was XX/XX/XXXX. 
Total Due {$4400.00} I paid through XXXX XXXX Banking, it was an electronic payment for the Full Amount. 

I have proof from XXXX XXXX showing the electronic payment was received on XX/XX/XXXX. 

The Credit Card company is stating the payment was not received until XX/XX/XXXX They are telling me they have 2 to 3 Business days to process all payments. 
If they need this time, they should adjust the Payment Due Date. 

I think this is unfair practice and a way to charge consumers.

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 2020-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
On XX/XX/19, I closed on a refinance on my home with Loan Depot. I did not receive funds until XX/XX/19. I complained repeatedly to both my loan processor and with XXXX XXXX XXXXy, XXXX XXXX, to no avail. I was told by Loan Depot that XXXX XXXX XXXX was extremely busy due to the number of loans. I finally received the funds the evening of XX/XX/19. 

Also, I started the loan process on XX/XX/19!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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: MS

Complaint narrative:
Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: GreenSky, LLC
State: FL

Complaint narrative:
GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX  and 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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
No record of debt paid from previous agency. Lied, told me contacting the business directly to pay would lead me straight back to them. I called to get to the bottom of why a debt I paid a previous collection agency wasn't reported. Because of the age of the debt and a relocation, I don't have much to work with in terms of receipts/validation. I was told I was on a recorded line, I informed them I was also recording the line with my attorney and got transferred to a supervisor. After discussing options, the man I spoke with told me that if I contacted XXXX customer service to address the payment directly that my account was no longer handled by them and that XXXX would lead me back to Credence for payment. I see in their replies they review calls and provide their own account of what happened, but since I have my own recording of the call I'm happy to provide a direct and complete transcript ( with audio ) if need be. Prior to calling Credence today, I called XXXX and they offered to take my payment. On the same call with Credence, he pulled up my XXXX call log. I asked if he could see the notes and see where XXXX offered to take my payment directly, he said yes. I then told him that his indication that XXXX would direct me back to Credence to pay the debt was misleading and a lie. He tried to lie to me about XXXX being able to receive payment to coerce me into paying Credence. As a creditor, using misleading tactics is a complete violation. Combine that with the fact that they're trying to collect a debt I already paid once. This occurred on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING LLC HAS REPORTED {$2900.00} ON MY CREDIT REPORT THAT I DO NOT OWE THIS DEBT WAS PAID IN FULL. I ASK FOR PROF OF EVERYTHING THEY SAY I HAVEN'T PAID THEY SAID THEY CANT PROVIDE ME WITH THAT INFORMATION OR PROVE I OWE THIS DEBT I PAID FOR EVERYTHING I BOUGHT ON THIS XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CA

Complaint narrative:
I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and Experian and XX/XX/XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. XXXX XXXX XXXX  there reporting in Status as ( Late over 120 days ). As of XXXX. 2. XXXX XXXX there reporting in Current status as ( Collections ) as ofXX/XX/XXXX. 3. XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX  XXXX XXXX is on my Experian report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I pre-paid for a service with XXXX XXXX that was supposed to consist of a total of four days. By the second day I felt that my life was in danger due to incompetence and unexperienced personal. An ambulance had to be called due to the nurses negligence, therefore left during day two of services ( half  way through service ). Since they defaulted on completed the full service as agreed upon and putting my life in danger therefore feeling I had to leave I disputed half of the amount of the bill which was {$750.00} from the full amount {$1500.00} which was billed on XX/XX/XXXX. Capital One adjusted my bill in the amount of {$750.00} on XX/XX/XXXX. I then never received any word or form of documentation from Capital One regarding the active dispute therefore believing everything was copacetic. Then on XX/XX/XXXX I was re-billed {$750.00} on my account following with a voice message from the dispute department. I immediately contacted them back and they stated since I did not reply to mail they had sent that the case was closed and that there was nothing that they could do. I informed them that no correspondence was ever received on my end regarding this matter. They then told me that there is nothing that they can do. I refuse to pay for a service that was not received. They made no attempt to try to resolve the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, my family and I went on a vacation to XXXX. While there, we were invited to attend a " free '' presentation to receive some discounts on local attractions. It turns out, we signed up for some sort of timeshare for over {$4500.00}. When we discovered our mistake, we tried to cancel immediately, and this is where the issues have occurred. 

I was told I have to send in a signed copy of the cancellation letter to " XXXX '' via email by XX/XX/XXXX which I did. I also submitted follow up emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never received any response or acknowledgment from this company. 

I made the horrible mistake of assuming it was cancelled. I received no contact from this company for months. 

On XX/XX/XXXX, I received an alert on my credit report that my " debt '' was transferred to a collection agency named XXXX XXXX XXXX for {$4500.00}. I've tried disputing the debt with the credit bureaus and have been unsuccessful in getting them removed. 

Long story short, my credit has been ruined due to this collection amount. It is something that I cancelled within the allotted time, and also something I've never used. I think these two companies are using predatory tactics to steal money from me. And it is unfair that all my hard work trying to repair my credit is all ruined because of these scam artists. 

I've attached copies of the cancellation letter as well as the follow up emails showing that I did cancel this in the proper methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I applied for a mortgage in early XXXX of 2019. Upon doing this, I was told that my information on my credit report from Equifax was wrong. They had my maiden name as my first name, and my first name as my last name. I called them and they told me what documents I needed to send in to fix it & to update my address. I got all of the documents and faxed them in. I was told 7 to 10 business days. After 7 business days, I called to check if anything had been done. Nothing had been. I told them it was for a mortgage and time was of the essence & they said they would put a rush on it. During this phone call I was informed that there was another file in my correct married name, so they would have to merge the accounts. I called back multiple times, getting a different person each time, having to explain the same thing everytime & being told it would be fixed everytime. It was too late to use my equifax credit rating for the mortgage. I wanted to apply for a line of credit. I called again to check and see if any progress had been made. I was told that everything was done, so I called the bank for my line of credit & they did a hard credit check on me. Turns out my files had been merged, but my name was still incorrect, which was the very first reason I needed it fixed. I was denied the line of credit because of incorrect information on my account, and it counted against my otherwise good credit. I called Equifax again, explaining to them, that they had not fixed the issue that I had explained to them so very many times & that they had told me was, indeed, fixed. I was told that another claim to fix it would be submitted, with a rush on it because it was for a line of credit. They told me 3 to 5 business days. I called today for the literal 20th+ time. I was told that only 2 claims were submitted, I was told everytime I called that a claim was submitted, one XX/XX/XXXX and one XX/XX/XXXX, both of which were only to merge my files. Neither one to change my name, which I stated was the issue every single time that I called, which i was told by multiple employees was going to be fixed. Today there were two more claims submitted, so I am told. One to change my name, and one to change my address. I have never been so frustrated and so at  my wits end in my life. I asked multiple employees on multiple occasions why nothing had been done, when I had done everything required by me to fix the issue, and none of them had an answer for me. The service I have received from them has been nothing less than incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XXXX, we applied for a personal auto loan through Bank of America and were approved immediately online. We applied on our own, **NOT** through any dealership. On XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX in XXXX, Oregon. The salesperson, XXXX XXXX, insisted on us giving her our employment information, address verification, social security number, etc. I verified and asked **SEVERAL** times during the call, that she would **NOT** be using this information to pull our credit since we already had a loan. She assured us they would not be pulling our credit. 

Low and behold, on XX/XX/XXXX, they submitted our information to Bank of America AGAIN,  despite the fact that we already had financing through them, despite the fact that we were assured they would not be pulling our credit, and despite the fact that they did **NOT** have our authorization or signature to do such a thing. 

Since we check our XXXX report often, we were shocked to see a second hard inquiry on both of our credit reports. I immediately called both Bank of America and the dealership, who each admitted it was a mistake but said there was nothing they could do about it. The bank told me I had to fax in a letter requesting the unauthorized hard inquiry be removed from our credit. I faxed a letter to Bank of America on XX/XX/XXXX. I received a letter in the mail today stating that " all of the information that is being reported is accurate '' and they will " not be removing the inquiry from our credit. '' This makes no sense as we did not even authorize the inquiry. 

I would like to file a complaint against XXXX XXXX XXXX for applying for credit at Bank of America on our behalf without our authorization or signature. The hard inquiry will remain on our reports for TWO YEARS. Absolutely ridiculous.

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