vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi AAdvantage Business c redit card customer service people have engaged in actively discriminating against minority business owner customers in charging their annual fees, and purposely using very poor customer service approach to actively  mentally bully minority business owners f rom access to fair use of business credit cards. They use their skillfully trained abusing approach to force minority business owners to close their accounts after paying them the annual fees.     This should never be allowed in the business practice.     As a concrete example, please investigate  Citi  bank customer service people :  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  in the South Dakota Center. In particular,  XXXX   XXXX  admitted that she lied during our conversation. She  deployed  mentally abusing tactic to bully me to close my account to reach her goal to get rid of minority business owners from fair chance to access business credit cards.

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
In  XXXX  I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill.     As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt.     During this call they made the threat that " unless I paid immediately my  credit score  would be ruined '' This phone call was made from the following number -  XXXX  Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were  XXXX  attachments, however the first  XXXX   XXXX  a .tif file ) would not load ; the second one was simply their company letter head.      XXXX   XXXX   ( FADV-  XXXX  )  XXXX  XXXX  XXXX  via  XXXX  Attachments XXXX   XXXX  to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose.        XXXX   XXXX  Case Manager T.  XXXX  ext  XXXX  Fax  XXXX   XXXX  XXXX  XXXX   www.FADV.com  National Credit Audit Corporation The screening solutions business of  XXXX  has combined with  First Advantage  - Creating the Global Leader in Screening I have replied back to this email with the following : Hello  XXXX , I am sorry but could you please resend the attachments as they do not open.     Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety.     Sincerely,   XXXX   I have also since contacted the local tenants adviso ry (   XXXX ,  XXXX   County )  in regards to this claim and am now in discussion with them in an effort to sort out these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
Hello I am a   XXXX   XXXX   XXXX   wife and mother. On  XXXX  I took out a loan for {$600.00}. Then another on  XXXX  for an additional {$700.00}. I paid on my loan monthly while I was working at  XXXX . When I lost my job in  XXXX  of   XXXX   I fell behind on my payments, I paid when I could. Later I found out none of my payments were going to principal. They were only being applied to interest. When I originally found out about the  Title Loan  company it was from a commercial. The commercial did not say if the loan is not paid off in 30 days that your repayment amount basically doubles and triples over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In reviewing my annual credit report, I noticed that there was a 30 day late reporting on my credit report from  Home Depot,  even though automatic payments had been setup by them and paid satisfactorily for years.     For several years now, each month on or around the  XXXX , automatic payments of {$150.00} were debited from my bank account to pay  Home Depot . These automatic payments were setup by a  Home  Depot Representative years ago, and would continue until my account was paid in full. I was absolutely shocked when I realized tha t Home Depot h ad reported negatively on my credit report and had not attempted to contact me regarding the remaining balance of {$11.00}.     I contac ted Home Depot to  inquire and to attempt to resolve the reporting discrepancy and I was told that the final payment for {$11.00} had not been debited from my account because their system was only setup to take the monthly payment amount and that since my balance was only {$11.00}, their system would not make the payment. When I asked why they did n't contact me or send a letter,  (  which they 're required to do before reporting negatively ) the representative simply stated that a generic letter was sent to me about my account being paid off, but nothing to warn me of the potential late payment or that a negative report would occur. In addition, I was told that there was no attempt to contact me and that the company decided to simply charge off the remaining balance, after years of satisfactory, on-time payments.     I made several different calls t o Home Depot,  I was transferred many times and my dispute has been escalated to various different managers in different positions and neither has accepted their error or agreed to correct it.  XXXX  at  XXXX  was the las t manager t hat I spoke to regarding this reporting error and she is not returning my calls. I spoke with her initially months ago, she then called to gather additional information from me and now I have left  two  messages for her, with no response.

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 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
The servicer refuses to follow the signed order from a FEDERAL COURT JUDGE. This has gone on for well over a year. I have contacted  XXXX   XXXX  at the CFPB and was told to refile a complain since the matter is not resolved and the servicer refuses to update the payment history to reflect current and cancel out the negative balance. Prior submitted attachments very clearly show that the account should not be escrowed. Previous complaint number is  XXXX .   On the previous response by the servicer they were inaccurate and very clearly have still not followed the judges previous orders.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d  XX/XX/XXXX  and will have a written response  XX/XX/XXXX .      XX/XX/XXXX  I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen  had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent  XXXX   XXXX  called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen.   Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home.   Recently I have been getting multiple Notice o f Default and Election  to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only.   The home has been vandalized and just to get it up in living conditions am looking at over  20  thousand in repairs, little over  9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the  Lender.    Please help this is now the 11 month going on a year. Also am being informed by  XXXX   XXXX  that Ocwe n  is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: CA

Complaint narrative:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX  ,  XX/XX/XXXX  a nd  XX/XX/XXXX  .     I have had a  XXXX   Visa ca rd ( " loan account '' ) since   XX/XX/XXXX  that I  paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking ac counts ported over to the   XXXX    website i  n  XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure message   to  XXXX  customer service about making m y Visa paymen t, the response was to mail it, and I was provided an address. I sent  a Bill Pay payme nt from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     O n  XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported m y Visa ac count as 30 days late. The effect of this reporting tanked m y credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

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 2017-05-12 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: CA

Complaint narrative:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over  three  months :   XX/XX/XXXX ,  XX/XX/XXXX and XX/XX/XXXX .      I have had a  XXXX   Visa card (  " loan account '' ) since   XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in   transition however, the banking accou nts ported over to the   XXXX    website  in  XX/XX/XXXX , bu t no t the Loan accou nts ; those would not phase-in unti  l  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure mes  sage to  XXXX  customer service about making m y Visa payment, the  response was to mail it, and I was provided an address. I sent a  Bill P ay payment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I rec eive a credit alert from  XXXX  that  XXXX  reported m y Visa account  as 30 days late. The effect of this reporting tanked my credit score.     When I calle d   XXXX   XXXX   custome r service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX .      I have had a  XXXX   Visa card ( " lo an account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa acc ount. During the phase-in transition however, the banking accounts ported over to the  XXXX  website in   XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX I sent a secure message to  XXXX  customer service about making my  Visa paymen t, the response was to mail it, and I was provided an address. I s ent a Bill Pay paym ent from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported my  Visa ac count as 30 days late. The effect of this reporting tanked my  credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

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 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I am repaying my loans under th e Public Service Loan Forgiveness  program and was trying to get information from my lender on which plan would offer me the lowest monthly payments while still qualifying for PSLF.     In  XXXX , I was told by a Fedloan Servicing representative that my best option would be to go on a standard repayment plan, rather than an income-driven plan. I was told my monthly payments would be {$570.00} and that those payments would qualify for PSLF.     When I received the terms of my new plan, the monthly payment was {$960.00} and the payments will not count toward  PSLF be cause I was placed on  a 128-month repay ment plan instead of a  120-month  repayment plan.     I contacted the company and they said they would attempt to resolve the issue withi n 10-14 da ys. However, even in the best-case scenario, in which I receive the {$570.00} payment initially promised, I will have to make the higher payment of {$960.00} in  XXXX     2017 an d that payment will not qualify for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: NJ

Complaint narrative:
I dispute these Items in the month  XXXX  TransUnion did not compile with the State  Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], cl early and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont res pond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of  investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required  by subsection ( a ) ( 1 ),  make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

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