vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a mortgage at Citimortgage. The second to the last payment ( XXXX ) I paid {$250.00} extra towards the principle. The escrow account had enough in it to pay off the balance. I have a confirmation number for this transaction ( done over the phone ). This was not done, but my mortgage was sold to another lender, XXXX XXXX, ( XXXX ), and now it will cost me about {$50.00} more dollars to pay it off. I have called twice to Citimortgage, and been told that there is nothing they can do about it now, the loan is with the new lender. I called XXXX XXXX, and requested a payoff, and it 's been over a week, and have received nothing.

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 2017-12-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH EQUIFAX, TRANSUNION OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE XXXX  ME OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XXXX XXXX, I called Navient with the hopes of understanding my loan. I am trying to understand my current terms, how much I need to pay each month to reduce the length of my total pay off terms, how much I have currently paid etc. 

I also wanted to get an extension of my current payment plan. I was told by the representative that if I paid another payment of my loan that I would be current. He told me if I made the payment by the end of the month, that it would n't affect my payment. So I scheduled the payment by the end of the month with him and the funds came out of my account b y the end of the month. He did inform me that if I paid by the end of the month that I would be current. I then enrolled in an auto debit program for the next 6 months. I was happy to have had some resolution when I got off the phone. I go and check my credit today, and I saw that my score dropped 17 points because I was given terrible information. 
If the representative would have told me that you need to pay your loan by the XXXX of the month and not the XXXX, my credit report would n't have been affected. 
Loan companies are to help borrowers understand their terms and use accurate advice. It 's unfortunate that my credit is now being affected because I was trying to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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 2017-12-04 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: OH

Complaint narrative:
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXXXXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX  XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.

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 2017-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I have a new collection account on my credit file that i have no knowledge about. I was never given a DV and i also have no knowledge of the debt the collection agency had no right to report on my credit file with out giving me a DV the collection agency is XXXX XXXX for {$96.00}

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 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit score from TransUnion, ( via  XXXX XXXX XXXX App ) my score dropped 8 points for  the month of XXXX XXXX XXXX from XXXX. It dropped 10 point during XX/XX/XXXX( XXXX ). Almost a combined 20 points in less than 1 year. The key factor listed affecting my score was " No recent bank/national revolving balances. '' In contacting TransUnion Credit services I was informed my score dropped because they want me to open more accounts. I 'm totally disheartened, and in disbelief because I 'm being punished for not being in debt, paying my credit cards on-time, and being literally forced and bullied into obtaining more lines of credit. At what point will by score continue to be lowered?! Until it 's just good. I 've worked extremely hard to ensure that I pay my bills and not go into debt. It 's taken me years to feel a great sense of financial freedom in not owing bills. I 've more than sufficient accounts open at other banks in total 4. This has to be addressed and corrected. I called on XXXX and was informed a call back from a manager and no response. Please HELP! Signed- 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 2017-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PlusFour, Inc
State: NV

Complaint narrative:
In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.

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 2017-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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:
I initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This started with an email offering me a work from home job and they would supply the computer, printer and the software required. This person started sending me e-checks starting on XX/XX/XXXX. I was instructed to deposit these into my checking via scanning checks into my account. I was then instructed to wire different amounts to individuals who were " setting up the computer, purchasing software, etc ''. I received 5 electronic checks over the course of 6 days again depositing them into my checking. I saw that my bank did n't process them overnight so I was transferring money from my savings account into my checking so that my wire transfers would not cause an overdraft. I first called my bank on Wednesday, XX/XX/XXXX asking why the delay in cashing the checks I deposited and was told they have up to 5 days to process them. On Friday XX/XX/XXXXI called the bank again and they finally told me that the checks that I deposited were counterfeit. By then my savings was empty and so was my checking account. The bank never called me and I got a letter in the mail about one check being rejected and then on Monday XX/XX/XXXX I got a letter about another check being rejected. This was too late. I am broke. I went to the bank on XX/XX/XXXX and they said there is nothing they can do. I feel like the bank should have called me as soon as they noticed anything out of the norm with these checks.

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 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
The man calling me refused to verify himself! Ive asked several times. I have also attempted to dispute this account on several occasions! Its now been at least 9 years! Im by no means responsible for this debt and would appreciate some assistance because its out of hand with this this current company!

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 2017-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.

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 2017-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.

Company response to consumer: Closed with explanation