vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! Thank you.

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 2017-04-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my many requests to investigate, verify and remove accounts from my credit report that do 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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HOVG, LLC
State: NC

Complaint narrative:
I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bleier & Cox APC
State: CA

Complaint narrative:
Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Despite contacting Comenity Bank in writing, disputing interest and fees being charged for interest that was not supposed to be charged in the first place - the balance for merchandise was paid in full within the terms of the card - I continue to receive DOZENS of harassing phone calls every week to pay the balance I DO NOT OWE. 

I previously filed a claim - case number : XXXX - which did not result in any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had to cancel a label I created with USPS on XX/XX/2016. I received an email from USPS on XX/XX/2016 ( attached ) stating that my refund request was approved. I am attaching another document from USPS stating that they refunded my account on XX/XX/2016. The problem is that B of A debited my account again on XX/XX/2016, they did not credit my account like they were supposed to. B of A told me that they ca n't give me back my money because it has been over 60 days. In my opinion B of A stole {$27.00} from me since they put in the second charge on XX/XX/2016 in error, and they did not credit me like they should have. A B of A manager told me that it was my fault that I did not get my refund, because I did not check my statement, I did not think that I had to monitor something that should have been done correctly.

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 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
After my loan defaulted, and it went into defaulted payments it was n't explained as well when Navient took over my loan again they put additionally interest rate, making again my payments higher than able to afford, almost wanting me to default again. Additionally I made a payment to the department of education, and it was n't given notice notice Navient had taken it over, so I called explaining I had made this payment already to the department of education Navient representatives told me all I had to do was show proof I made the payment and Navient would take care of this I was told this 3x I provided proof from my bank and now they are telling me I have to recover the payment from the department of education. Now I still have a late payment and it appears again they want me to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!

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 2017-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: MI

Complaint narrative:
I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian states that the information remains. The account associated with XXXX XXXX XXXX, should have been removed for various reasons. Account was paid off in full back in 2013 so that I could establish new service with XXXX, which I still currently have, in addition to the fact that the account report is now at four years old being reported inaccurately. I have disputed this and at least one other thing with Experian previously and they never seem willing to correct anything on your report, and would rather leave the negative information. They even had the information shown as part of my recently discharged Bankruptcy which was also incorrect. Actually everything on my report is being shown as included in the bankruptcy, which is incorrect!! They did not even take the time or perform their due diligence to report each item correctly. Experian really needs to be sanctioned or reprimanded for reporting false information and not correcting errors as they are required for accurate reporting. This is crucial especially since they are trusted with providing your personal information to so many entities that determine or make credit and employment decisions based on what they report.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been a great customer with Wells Fargo Home Mortgage since 2002 and we had a family tragedy which cost us XXXX in expenses and counseling. Wells Fargo mistakenly pays my property taxes and then apologizes over and over but has taken my payment to {$820.00} a month for 8 years now!!! I pay my own taxes and they know it. During this tragedy we were not able to follow all the ridiculous notices that they did it again and subsequently was paying the same amount but they had raised the monthly payment to make up for their error and when my payments came in they were not applied to my monthly mortgage they were eaten up by fees and additional charges. This made it appear I was not paying and now they have foreclosed on my house with a lot of equity. I mean what evil people would do this during our nightmare. My wife, a XXXX of 22 years had to resign her job because of grief and we are struggling with kids in college etc. They offer to help but switch me all over and never respond to calls. We reported to another agency and suddenly they wanted to help but have been dragging their feet and continue to bombard us with foreclosure documents and filings. They always claim I did n't send something and wait days before responding to stall so they can steal our home. I need this to stop ... .it continues to make my wife even more sick I am supposedly working with a XXXX XXXX who 's answering machine always has the wrong date and never responds by email and by phone week 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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. 
I directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called " verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. 
Thank you

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: WA

Complaint narrative:
Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.

Company response to consumer: Closed with explanation