vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a copy of my credit report a few weeks ago and noticed there was a Citi Bank shell credit card open on it, that was delinquent. I requested a theft investigation from Citi bank. They were unhelpful and would not listen to the information that I was telling them. I specifically told them that someone had opened a bank account under my name along with some other accounts. That person or persons was using my identity to make payments on the shell credit card. Citi bank responded in saying that they were unable to remove the credit card out of name due to being able to verify the debt to myself. I never opened this account it is not mine. Citi bank is telling me that my phone number matches there records. I do not see how that is possible. I never got any phone calls from Citi Bank regarding this. My phone number is XXXX. Also, whoever opened up a checking account under my name was using that account to pay for the shell credit card and XXXX XXXX credit card. Citi bank approved my claim on the XXXX XXXX  account ( see attached letter for proof ) however they would not approve the theft claim on the shell account. Makes no sense! I have provided a signed attached statement, along with a police report. I do not know what else further I can furnish to prove that these accounts are not mine. My SSN 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 explanation
Consumer complaint received 2017-09-01 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: CO

Complaint narrative:
I have a subscription with Equifax, I currently pay {$17.00} per month to be able to pull the score and report. I actively pull the report and score because Equifax has caused serious issues with my report. In the past I have complained because they split my report into and it was XXXX to get it back together. When I complained about the report being split they blamed me, which is bizarre since it should be them controlling their software. So now I check my score and report often. Friday went to pull my report XXXX XXXX 2017.. it showed an error message. I repeatedly called and asked them to resolve the issue. First they started to blame me and said it was my fault I pulled my score too often. Yet that is the actual product they advertise. It stated pull your credit score and report daily. You 're supposed to get a daily update, if you choose to. If that was the problem why would you advertise that? Is my firm belief that they have some serious offer issues. And that perhaps they need is serious upgrade. I 've not been offered quick resolution, nor have they agreed to reimburse me for the almost week and I 've been able to use the service. Sadly with Equifax my score changes radically and constantly. I 'm in the middle of a mortgage process and that is unacceptable. I 've done my due diligence to clean my credit report from any discrepancies and to make sure that I have good credit habits. It is my right, to have FAIR reporting. Why does Equifax seem to have such a hard time doing their job? Every customer care person I speak to you seems to have a different story as to what the problem is and why it 's happening. Last person tryied to get me to upgrade my subscription! He wanted a credit card number, really?! It already is n't working why would I pay you more. I expect it fixed quickly and I expect a refund for the time when I was in able to use the product! I 'm not expecting a lot from this complaint because in the past you have n't done a thing. hopefully you actually demand some sort of response and accountability. I 'm disappointed, because like we do n't have anyone protecting us. Unless we become litigious. Which I prefer not to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 
3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY

Complaint narrative:
I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is  n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blackwater Capital Group LLC.
State: RI

Complaint narrative:
I was contected by Blackwater Capital Group sometime in winter/spring of 2017 in regards to an outstanding payday loan. This company called me at work and I returned the phone call immediately and asked them not to call my job ever again. I did not recall having this debt but I proceeded to make payment arrangements to avoid more problems with the debt. I made automatic payments every other week but I cancelled my debit card at the beginning of XXXX due to fraud issues. I spoke to XXXX XXXX and told him I would contact him soon to rearrange payments. 2 weeks went by and he has called me at work at least 5 times and the worst thing is that he contacted my ex domestic partner whom I have n't spoke to in 4 years and left a message in her cell phone describing my debt. I do not wish to be contacted by this company anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To whom it may concern, I had been a Chase customer for 2 years and done everything correctly and justly.
Then, after depositing a variety of checks in to my business account, Chase simply informed me by mail that they are closing all of my accounts, both business and personal.
We tried to get a reason for the closures, but they would not give any, nor was there anything I could do about it. 

As far as I know, there was nothing wrong with my banking activities. 

Please let me know what I can do to get my accounts and/or standing back to normal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I began a modification 2016. After 6 months and no communication I found that not all documents sent were received. The modification was denied. I then reapplied and it was cancelled AGAIN stating not all documents were received. I have receipts that show all items were faxed and received. After a year of dealing with the modification I was told that I did not make enough money and due to my debt to income ratio the modification was denied. I re-submitted my most recent modification as I was now working full time and could more than qualify me. During this period I was told that my house is in foreclosure and a date has been set. This is a violation of my rights and I can actually sue as a a modification was in process and a foreclosure was initiated. I was then told that my modification was denied because a payment could not be established lower than the previous payment. I informed them that I could accept the same payment or higher now that I am working full time. They told me that that was not in the guidelines why they do modifications. I told them you would be helping me by refinancing the amount that is past due and that would help me. Nope, bring the loan current or foreclosure. I can not not believe the poor service I have received. I have a new agent for this account on a monthly basis. I receive no communication during the modification process. I believe that at this point they just want the foreclosure. The modification was just lip service. I counted on that modification to help me when I fell behind because of part time employment.I obtained full time and yet that has no bearing. I live with my two children and we are soon to be homeless. I am not a person that does n't pay their bills. I have a XXXX and have always worked but fell on hard times. Their greeting on their phone messages states they are there for the victims of Hurricane Harvey ... ..what about the current customers that have fallen on bad times? I would n't wish these sleepless nights on anyone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
West lake financial claims they did not receive my XXXX payment of XXXX. I was not informed about this until XXXX. When I contacted customer service they said they needed proof of payment. I sent them the attached bank statement which I had to get from my bank, showing where the amount was taken out of my account on the due date. They replied saying they needed to see the whole month of XXXX. My bank sent it to them and they claim it was insufficient and they need the transaction number. The customer service rep then said if we do n't receive payment today they will repo the vehicle. I believe I have shown them sufficient proof of payment, they took my money now I want it to show on my account it is paid. They also hit my credit report with a 30 day late payment that I want taken off. I have been paying on time and they have no right to be doing this to me or anyone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: NM

Complaint narrative:
Trans Union for some reason is ignoring my requests to investigate, verify and remove an account from my credit file that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I closed my checking and savings account with Citibank in XX/XX/XXXX. Ever since XX/XX/XXXX I 've received a daily alert to my email : XXXXXXXXXXXX regarding my balance. This has been going on for many months. I called Citibank a few days ago to inquire on why I 'm getting bank alerts for accounts which were closed in XX/XX/XXXX. The representative had no answer. I asked her to please ensure my accounts are closed and to please discontinue the email alerts. She told me she could n't discontinue the alerts on the checking and savings accounts because I have a credit card account that gets alerts ( it made absolutely no sense ). I was placed on hold for a long period of time and call was disconnected. I was so irritated by the handling of the call I did n't call back. I waited about a week to see if the alerts would stop and they did n't. Given the situation with XXXX XXXX recently falsely opening accounts to meet sales quotas ... I 've become worried that my accounts were reopened or never closed. I do n't see why the representative could n't assist me other than my accounts are open and she did n't want to tell me that.

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 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.

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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Well i was going thru a hardship on paying my negative balance to chase bank my son was XXXX so i was very out of money so they wnd closing my account and puting me in XXXX making it hard for me to get another accoun any were but im back working so im able to mange the account that i will get when i can

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: TX

Complaint narrative:
Equifax is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

Company response to consumer: Closed with explanation