vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Evening, Received Citi Simplicity Card in mail today XXXX/XXXX/2017 @ XXXX I successfully activated the card. However, upon registering for an online account I was asked for a code word to validate my account. Confused I called the Customer Service # listed on the card and explained to the first representative I am a new account holder ; just received card, activated and have no such codeword. I was told I needed to verify my identify. That call ended by her disconnecting and two calls later I spoke with XXXX and repeated the above. I informed XXXX XXXX was recording the call as the two previous calls ended abruptly and I was unclear why. XXXX proceeded to tell me he needed a number to verify me. I told him I had three numbers. He immediately tried my landline number and stated my name ( verified it was me and my XXXX account ) but then proceeded to tell me my XXXX number did not meet the criteria. When I asked what the criteria was he stated " that information is classified. '' I proceeded to ask XXXX to close the account as I knew there was something immensely wrong with the verification process. He stated he could not use the other two active working numbers ( personal cell phone and business cell phone ) but a supposed random number listed by my ss #. He then proceeded to call this number and upon returning to the call ask me about an family member, I laughed because he was referring to my XXXX XXXX XXXX son! The entirety of the call was recorded and I made XXXX fully aware of the recording multiple times and he agreed to be recorded. In the end XXXX refused to closed the account as I requested because the three numbers he could call did not meet a " classified '' list of qualifications.

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 2017-09-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?

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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Creditor called every 2 hours without leaving any information regarding the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on XXXX report and Experian report. 
Experian has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now Experian send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NV

Complaint narrative:
Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : 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 2017-09-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The original bank is XXXX XXXX Bank. The account went into a collection agency named Midland Funding LLC, and then it was sold to Midland Credit Management. Long story short, the account was closed and forgiving and are not collecting money from me because of financial hardship. As of XXXX XXXX, XXXX XXXX Bank is reporting my account negatively. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX XXXX ( XXXX XXXX XXXX ) about a loan to pay off BB & T banking c/o XXXX XXXX XXXX XXXX XXXX.Within a week she requested me to get a title lein deed from BBT. XXXX XXXX told me after researching BBT has not been assigned or a first lein holder since they gave me a loan back from XX/XX/XXXX Apparently, BBT lawyers done a title search and also did not follow-up onthe final title to record at the court house. MERS corporation was holding the title from ( not to my knowledge ) my previous loan company after BBT have me a home loan went bankrupt and MERS had the title. It has been since XX/XX/XXXX and i have been through 3 loan officers being passed around BBT to fix the problem and produce a title deed to finish a loan with XXXX XXXX XXXX. My county clerk XXXX XXXX XXXX ( ( XXXX county Ky XXXX XXXX XXXX ) ) informed me that Mers sent a title to record but sent it to the wrong page and book number. Which means BBT has not had a lein on this property due to their lawyer not filing the paperwork correct and not caught MERS making the correct entry. I am not savvy at Banking jargon but if CFPS representatives call XXXX XXXX and XXXX XXXX they can explain exactly what is happening. XXXX XXXX informed me that any bank according to ky law statures only has 30 days to produce a title clear of leins to be paid off by another bank It has been 75 days and counting. My financial situation has changed and i need to refinance to go from XXXX to XXXX per month payment. I am on the verge of going into foreclosure and bankruptcy if this is not corrected soon. BBT has made excuse after excuse and i have been passed from XXXX XXXX ( XXXX XXXX branch ) to XXXX XXXX ( XXXX office ) and not to XXXX XXXX ( XXXX office ) I need to get this refinance loan asap or lose everything i own. BBT is making no effort to help. I paid XXXX dollars 13 years ago in title insurance and closing costs for BBT to do their job on getting a clear title and recording correctly. If i were to pay this loan off, sell or go into estate upon my deceasement i could not get a clear title due to their incompentence in doing thier job.

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: PA

Complaint narrative:
From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP 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 2017-09-19 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: P.S.C., Inc
State: CO

Complaint narrative:
This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.

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 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
This relates to my previous complaint number XXXX, to which the mortgage servicer ( SLS ) responded in pertinent part as follows : " SLS has investigated the matter and determined an error in the submission of funds to XXXX XXXX after disbursement. To ensure correction of the situation, as of XXXX XXXX, XXXX, we have issued a refund to you in the amount of {$140.00}, which includes principal and interest. Refunds to the escrow account in the amount of {$1900.00} and {$1800.00} have also been applied, less any balances in the escrow account. '' The refunds to my escrow account described in the response letter have not been made. I am still out {$1900.00} in property taxes that SLS failed to pay on my behalf as promised under the terms of my mortgage ( apparently due to an unspecified " error in submission of funds to XXXX XXXX after disbursement '' ), and associated penalties. After receiving the response, I spent the better part of a day speaking with various SLS representatives, none of whom was able to describe whether or when the escrow credits would occur and when or how those funds, once credited, would be disbursed to me to replenish the personal funds I depleted to pay the taxes SLS failed to pay on my behalf and associated penalties. At the conclusion of my final call, an SLS representative actually had the audacity to state that the best she could do for me was offer to open a research case, despite the fact that SLS ' response letter specifically indicated that they had already researched the issue ( over the course of a couple of months ) and concluded that credits were due to my escrow account.

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 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On Saturday morning, around XXXX XXXX ( I remember this because she had clients in her office before me and the wait was over 30 minutes, so I went to the Farmers Market and came back ), of XX/XX/XXXX, I opened a Checking account in person at the Chase Bank in XXXX XXXX XXXX, WI. I wrote check XXXX for {$100.00} as my initial deposit. I worked with banker XXXX XXXX XXXX ( phone XXXX ). When I looked online on Sunday, XX/XX/XXXX at my account to confirm my direct deposit from my work paycheck had been deposited, my account balance is {$0.00}. I called Chase corporate and they explained I would need to work directly with the branch. Monday morning, I spoke with XXXX ( the manager according to XXXX ) and she said she would look into it and call me back later on the same day. I had not received a call as of XXXX XXXX, so I called and spoke to XXXX XXXX. She said they could not find any deposit in my account. I explained their rule is that you have to have a minimum deposit of at least {$25.00} to open an account. I sent her my cancelled check ( also attached ), but she said she was not sure what they could do, if anything, to help and they would try their best. I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on Equifax report and XXXX report. 
XXXX has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now XXXX send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.

Company response to consumer: Closed with explanation