vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
In XX/XX/XXXX, I reach a credit card settlement with Barclays Bank Delaware. 

This settlement regarded my now closed account # XXXX. The account was in my maiden name, XXXX XXXX XXXX. My married name is XXXX XXXX XXXX. 

I recently inquired about a home loan and was surprised to learn Barclays had not updated my account to show a -XXXX- balance. The previous balance before the settlement was still showing, which is causing a significant lowering of my credit scores. 

Late last month ( XX/XX/XXXX ), I called Barclays Bank to inquire why they were not correctly reporting the status of the account. The duration of my phone call lasted well over an hour. Most of the time was being left on hold, while they transferred me from one department to the next, because no one seemed to want to help me. The conversation ended with Barclays agreeing to remove the account from my credit report, because of their failure to accurately report the account for more than a year. Again, their action caused my credit scores to drop and make me ineligible for a home loan. 

I asked that a letter confirming our conversation be emailed or faxed to me, specifically the part about the removable of the account from my report. Barclays refused stating, their company policy only allowed them to mail it. I was told I would receive it within 7-10 days. When that time passed, I again called Barclays ( XX/XX/XXXX ). Once again, the call lasted more than an hour while they passed me back and forth to individuals and departments who knew nothing about my account and had no interest helping me. Finally, a manager named XXXX got on the phone. He was rude and difficult. I asked for his company ID and he REFUSED to give it out. He said he didnt see a need to do it. 

When I told him what his company had agreed to do in a previous conversation, including the removal of my account, he stated, Thats not going to happen. I reminded him that Barclays failure to accurately report the status of my account for more than a year was harming my credit scores, he didnt answer me. The called then ended.

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 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Good day.  I sent XXXX XXXX XXXX 3 certified mail receipts, requesting for validation and verification of the alleged debt.  They never responded and then they started making abusive phone calls with threats of jail if i don't pay them $XXXX  today.  This is not my debt and i never received any notice of this debt until i pulled my credit files

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: MI

Complaint narrative:
*We spent all we had on tuition {$25000.00} and I took out a Student Loan of {$16000.00}. 

*After 3 years of training, the Dean of Students suspended me going into my final year. No institution, no school no one can collect tens of thousands of dollars over 3 yearsand refuse to deliver and keep all the money. It goes against Student Rights and what the law refers to as The Right to Graduate.

*The Dean of Students tried to cover this up with falsified documents and withholding information. 

*The reasons the Dean gave in the Suspension Letter were not even true. 

*Then the school did the impossible and stopped doing what schools do. The school ignored my grades and GPA, ignored my internship and training, ignored my classes and all my school work, tests and papers. How can a school ignore my education? 

*The school not only refused to give me credit for my work, it also refused to do its own work. After collecting tuition, it stopped doing the very work I was paying the school it to do. The seminary ignored its own classes, ignored its professors work in giving me a grade, and then refused to record my grades or give me credit for the classes I completed. 

The Michigan Department of Education did nothing. They supposedly held an investigation and yet in six months, the only thing they asked to see was our canceled checks, to which we showed them over {$25000.00} worth drawn from our checking account all gone.. The Department of Education here in Michigan never asked to see a single document. They claimed they couldnt do anything because the school was a seminary. It is ludicrous to make this a church & state issue when its a fraud issue. {$25000.00} was our entire savings. No school, no seminary no one can charge this kind of money and then simply refuse to do the work. 

We have no money and I have no career to pay it back with and my name and credit are worthless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!

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 2018-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal's customer service XXXX!!!! They stole my money 2 years ago when I disputed a credit card transaction for a purchase I NEVER made. Now my automatic transfers aren't being made either. I've complained REPEATEDLY on XXXX and XXXX but my complaints are REPEATEDLY IGNORED. This is completely unacceptable customer service and these idiots have no right being responsible for other people's money. They are nothing but scammers and thieves and despite being a member for over 20 years, they are still scamming me, stealing my money, and IGNORING me. XXXX   NFCU?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: MO

Complaint narrative:
I have send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: LA

Complaint narrative:
Transunion is reporting a credit card account with XXXX as collections/charge off, see attached report. This is not so, XXXX XXXX was given this account for collections but stop collection attempts, see attached letter. this account should be reported like the 2 other reporting agency 's closed/charge off instead of collection/charge off. I have disputed this with Transunion with no success. I have suffered a financial loss because of this reporting. Please correct

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 2018-02-08 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: IN

Complaint narrative:
XXXX  FAILED TO CORRECT ALL CREDIT REPORTS, CLOSED BY CONSUMER, PAID IN FULL NEVER LATE.THE LATE PAYMENTS WERE CAUDED BY XXXX SLOW PAYING CLAIMS.

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 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a checking account at Chase & we were four signers from XX/XX/XXXX onwards. Without my knowledge Bank removed my daughters name as a signer. I came to know about this banking error in XX/XX/XXXX. During my daughters visit to XXXX, we went to the one of Chases branch & added her signature in XX/XX/XXXX.Later on Bank misplaced all the paperwork & I had to send them proof. 
I made complain to the executive office & wrote e mails to CEO of J P Morgan Chase on XX/XX/XXXX. 
From XX/XX/XXXX till XX/XX/XXXX nothing has been done. My XXXX adult children lives in different States &  we added their names as an added security. Chase should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Joseph M. Tobin, PC
State: CT

Complaint narrative:
Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank Account Package Checking account with a promotional offer of $XXXX.  If the qualifying terms are met, citibank was to deposit $XXXX as a promotional bonus into the account.  The terms included a direct deposit for two consecutive months, depositing $XXXX and maintaing that balance for 60 days.  The terms also state the the bonus would be deposited 90 days after qualifying terms were met.The following are dates of when the qualifying terms were met.  The terms were completed on XX/XX/XXXX.  90 days past that is XX/XX/XXXX.  I still have not received this bonus. Deposit $XXXX: XX/XX/XXXXDirect Deposit : XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Depsoti: XX/XX/XXXXDirect Deposit:  XX/XX/XXXXAfter sending Citibank a secure message, they informed me that I qualifed for the bonus, but to wait 90 days after terms were met.  Because 90 days have already been met, I decided to contact Citibank by phone.  Once again, Citibank refuses to deposit this bonus and cites waiting 90 days after terms were met.  After explaining to Citibank representative that it had already been 90 days, citibank refused to honor their own promotion.

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 2018-02-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company only sent me correspondence AFTER placing debt on my credit given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. 

From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files.I tried explanation that I not only sued but won against XXXX in court back in XX/XX/XXXX for this exact debt as it was proven to not be my debt, the agent still refused to discuss with me the account as I couldn't pass verification. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system and for a bogus debt that was sold to them by XXXX  KNOWING the couldn't collect via the legal system as the account is not mine. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

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 2018-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I wish to file a complaint against Loandepot and their mortgage collection company imortgage. I believe Loandepot purposely raised my mortgage to an amount I could not afford to try and sell me refinancing or other services. 

I obtained a mortgage from Loandepot for a home in XX/XX/XXXX. In XX/XX/XXXX while attempting to pay my mortgage payment of {$1800.00} I was unable due to the fact that the website was saying my mortgage was {$2100.00}. Thinking this was a computer glitch I called imortgage and was told that my mortgage was now {$2100.00} ( and {$320.00} increase ) because a deficit in escrow due to an increase in property taxes, even though my property taxes were current. I argued for more than an hour that could not possibly be correct and could I pay my agreed-on mortgage payment until they got it straightened out. I was told no. I could not afford the new payment and would not have qualified for a loan with a mortgage payment of that amount. Imortgage offered me all kinds of programs like refinancing and loss mitigation options to help me but they all cost more money and more importantly, I knew that they were wrong about the property taxes. I had several phone calls with Imortgage with multiple people telling me different reasons for the increase. I finally had to sell or lose my home. I listed my home at the beginning of XX/XX/XXXX and it sold right away. I did not pay my mortgage in XX/XX/XXXX or XX/XX/XXXX and Loandepot reported that to the credit bureaus. After the home had sold Loandepot adjusted the escrow deficit to {$430.00}, and spread that out over 12 months so my mortgage payment increased {$36.00} instead of the massive {$320.00} which was approximately what I thought it should be ; however, it was too late because the home had been sold. 

This deliberate or not, inaccuracy has been very costly for me. To date, I am out {$69000.00} for rent, realtor fees, deposits, storage, moving fees and so on. I have written to Loandepot trying to get my credit cleared and they have done nothing except send me a snarky response saying these things happen. The BBB was no help either. This home was a multi-generational home, my grandsons lived there with my daughter and her husband. They had to leave the state for a period of time due to not having a place to live. The unethical business practices of Loandepot has severely impacted my family financially and our quality of life. They should be investigated for their incompetence or unethical and possibility illegal activity. This company either made changes to my account to try and sell me other services to save my home or because they have XXXX  working for them. My belief, it is both. 

I do have multiple documents and some correspondence to back up this belief.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation