vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining

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 2019-02-06 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: TX

Complaint narrative:
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
To Whom It May Concern ; I would like to make a complaint about Removal of the PMI Insurance on my Caliber Homes Mortgage Account with the principal balance of the loan has 78 percent of the original value, of the Loan.

We are getting into 5th month since I did my request for removal of the PMI on XX/XX/XXXX. Ive been paying for the PMI 4 months now for no reason at this point. They kept delaying the process on purpose to charge this amount as long as they can. 

First, they said they never received my request, and then they fund my mail request after 2 months but they Lost the check I included in the mail. And then we made a call to confirm they are processing but of course, they are not doing anything to remove the PMI because they did get paid for BPO to do appraisal they lost my check that I wrote on XX/XX/XXXX. Unbelievable. We made a payment on the phone when we call to check the status, we made the payment for {$160.00} but what they did again they applied that {$160.00} to my principal balance, I was waiting another month to find this out I'm glad I checked my statement that's when I realize they made another mistake. I don't know how this company survives with these employees, who will call to make {$160.00} principal payment for this size of a mortgage and we are up to date with payments also we have autopay on the account? Unreal. 
This mistake they made again cost us another month. 
Finally, BPO person showed up on XX/XX/XXXX and she took some pictures so we are at the waiting stage again until they make another move to not to remove the PMI on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.

I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX. 

Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2019 I received a call from XXXX XXXX XXXX XXXX on my personal cell phone from a person claiming to be with XXXX XXXX XXXX about a " personal business matter. '' This person would not inform me of what this was about until I provided personal information, which I did not provide. 

Later that morning I received a call on my work phone. I did not record the number, but it was the same organization on the line. Again, I could not verify that they have any legal claim to be reaching out to me, so I declined to answer any questions. 

About an hour later, my grandmother called to tell me that somebody had reached out to her about me. I suspect it was the same organization. 

Today, XX/XX/2019 I was informed that XXXX from the XXXX XXXX XXXX called someone at the firm I work for on this matter. The number they called from was XXXX XXXX XXXX. 

I have never received any mailed communication from this organization or any proof that they have any legal claim to be reaching out to me. I suspect this is in regards to student loan debt, however I already know who I pay student loan debt to. Further, if they are a legitimate debt service organization I would imagine they should be able to get up to date information from my school - my school knows where I live. 

The combination of their aggressive tactics and their inability to locate where I live to send me mail on the subject suggests to me that this is not a legitimate organization and I will not give any personal information to them until I am able to. I suspect I am being targeted as part of a scam.

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 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee.. 

Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee. 

Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.

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 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
The company submitted a tax form at the end of the year XXXX- XXXX not sure but they stated that the loan had been cancelled out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX American Express collections department called one of my relatives numbers. Upon answering, the debt collector released all information regarding my account to the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.

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 2019-02-06 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: TX

Complaint narrative:
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A XXXX  PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.

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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: AL

Complaint narrative:
A CALLER THAT SHOWS UP ON CALLER ID AS " LOANCARE SERVICES '' REPETITIVELY CALLS THE ECLECTIC POLICE DEPARTMENT. THERE IS NO ONE ON THE LINE JUST A RECORDING THAT STATES " PLEASE RETURN OUR CALL AT XXXX. TODAY ( XX/XX/2019 ) THEY HAVE ONCE AGAIN CALLED 3 TIMES. I HAVE CALLED MULTIPLE TIMES AND ASKED FOR THEM TO REMOVE THIS NUMBER. I HAVE NO CLUE WHO THE DEBT BELONGS TO BUT THEY WILL NOT REMOVE OUR NUMBER WITHOUT THE PERSON WHO OWES THE DEBT CALLING TO REMOVE IT. THIS IS XXXX! THEY ARE TYING UP AN IMPORTANT PHONE LINE!!!

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 2019-02-06 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion has intentionally made it difficult for their user to cancel there subscription : 1. there is no entry to un-subscirbe 2. there use to be an faq regarding unsubscribe but they now remove it 3. support call been redirect to automatic machine, with no option to unsubscirbe After repeated request they will eventually cancel 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 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
on XX/XX/XXXX2019 a federal tax return was directed deposited to a brand new Netspend pre-paid visa card. that same day 16 transactions were made against the card totaling {$500.00} which I never made. the co that made these withdrawals was XXXX co/XXXX Netspend has not given me an provisional credit and says the investigation can take up to 90 days, another card was opened and I had to fight with Netspend to transfer the remaining {$800.00} onto the new card. In the meantime my state tax refund was issued on the XXXX of XXXX and sent by direct deposit to a new card. Netspend says they have no record of it arriving. It was for {$210.00}. I was told by the state to check with the bank if it did not arrive by the XXXX. I can't check with XXXX as the account it goes to is Netspends than to the individual cards. If I call netspend they charge me to find out the balance, they charged me for transferring the money that was left on the bad card, every person I talk to tells me something diferent. I have gone in and checked the reviews on this company and wish I had done it before I opened the card as they have over 5000 complaints, a lot of them for the same thing that has happened to me. It is obviousd that someone working at Netspend is responsible for the fraud as my card was in a drawer and had never been used. I wasn't expecting my first5 direct deposit till XX/XX/XXXX2019 so had no way of knowing it had it had arrived the night of the XXXX and the fraud was committed on the XX/XX/XXXX.. They said is was signature purchases which doesn't require a card and it was done without the card. In order to put money on the card you have to show I.D . So I am being lied to. This company should be investigated completely as a lot of people have lost a lot of money because of 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 2019-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX   from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}. 

I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information. 

He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to Experian, XXXX  and XXXX XXXX. On XX/XX/XXXX, I received confirmation that all three credit bureaus, Experian, XXXX  and XXXX XXXX signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all 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 2019-02-06 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
i have a few different cards on my account that were opened and used without my knowledge. they were closed before i even know they were being used, i have no idea who opened them and ive already delt with the problem of identity theft but the companies are not willing to take the cards off of my name or even open them back up and allow me to use them. i would like for those cards to just be taken off my credit report so i can open cards in my name without negative assesment that were unknowingly brought on to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
an unauthorized purchase was made by XXXX XXXX car on XX/XX/2019. I am aware that some has been using my identity for the past 5 years I have tried my best to protect my identity as much as possible. Whenever i am not using my Wells Fargo bank card I always turn the card off, I have reported the issue to the Federal Trade Commission and they have placed a fraud alert on my credit report. Now my account is overdrawn because of yet another unauthorized purchase. I contacted wells Fargo but i was told i would have to wait 10 Days.

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