vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted the CitiMortgage ( CitiBank ) in XX/XX/XXXX and was given the payoff amount to pay my loan in full ... see attached ... {$5800.00}. I was told to pay it by XX/XX/XXXX. I paid it on XX/XX/XXXX through my bank debit and that evidence is also attached. I received a statement dated XX/XX/XXXX and then one XX/XX/XXXX indicating I owed additional money - both contradicted each other and indicating I didn't pay until XX/XX/XXXX. I have evidence I paid in XX/XX/XXXX so called and asked what happened. I spoke to one person early XX/XX/XXXX who stated they showed I hadn't paid until XX/XX/XXXX and I would have to prove otherwise. They made it obvious Citi had failed to process timely. I received my impound funds late XX/XX/XXXX in the amount of {$1500.00} and they withheld {$430.00} as an escrow adjustment because they said I paid in XX/XX/XXXX. I called and talked to XXXX on XX/XX/XXXX and she agreed I paid on XX/XX/XXXX ... Citi 's  mistake ... and I would get my refund by XX/XX/XXXX. Nope. I called again and they hung up on me. I filed a complaint with occ.treas.gov Case # XXXX on XX/XX/XXXX and just found out today they referred the case to your organization on the same date. I talked to XXXX today ( XXXX was no help as she promised send an email but did not ) and she indicated there was no case and I would have to refile. In addition, Citi promised they would send a conveyance document to the County of XXXX so I could get my deed. I paid for this service. As of today 's date, this has not been done. I wonder how many other people have been ripped off by Citi? I volunteer my services to audit this organization 's books. I have the credentials.

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 2018-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent five letters to Experian asking them to validate a collection account that is being reported on my credit. The account in question is XXXX XXXX. I have asked Experian to remove this collection off of my account due to the fact I have no signed contract with this company. This particular collection account was previously listed on all 3 bureaus, however XXXX and XXXX  has since removed this collection off of my credit report due to the fact it couldn't be validated. I am just requesting that since 2 out of the 3 couldn't validate this account how could Experian. Experian keeps sending me a generated template but not the information request asking them to provide with a name of person spoken with, for example in order to validate this account. I have proof that XXXX  has removed this collection. XXXX has also

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 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was charged for an XXXX XXXX account without my permission. When I tried to get a refund they closed the account they kept me on the telephone for an hour trying to prevent the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Performant Financial Corporation
State: WI

Complaint narrative:
In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again. XX/XX/XXXX, I  signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR DEBIT CARD DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE

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 monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America recently started charging me a $ XXXX monthly maintenance fee. Ive been a customer for over ten years and maintain a direct deposit and credit card with the bank that waves all fees or minimum balance requirements. This monthly charge started hitting my savings account without notice and is incorrectly applied.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Dating from over 5 years back I have been continually providing and disputing the same issue with not only Transunion but with XXXX  as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because Transunion and XXXX  both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough

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 2018-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/18, I completely paid off my student loans. XXXX ( XXXX ) has yet to put my payment paid in full, except for two of the loans. Stop dragging your feet and send me my letter. We are done!!

If I am not completely severed from your company within one more week, I am filing the biggest lawsuit against you!!!! 

Enough is enough!!!! It's been over a month XXXX XXXX XXXX  XXXX!!! 

I want this account closed!!!! Now!!!!!!! 

You have been paid in full now stop this and show I am paid in full!!!!! 

My patience is wearing extremely thin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When I was starting college a credit card rep from bank of america discussed with me about signing up for a credit card. During the application procces the credit card rep fugged my income by a lot so I could get a larger amount of credit. Looking back with my income at the time I would have been declined due to me making less then {$100.00} a month. I was apporved for a card with an {$1000.00} credit limit. I started useing the card with out actually understanding how credit cards worked and not know i would not be able to pay it off with my income. My account went into defualt and was sold to a debt collector. I was away at college and during those 7 years my debt went to a judge and it was ruled in the debt collector favor without me even getting a notice because I was away at college. Now that {$1000.00} credit debt is over {$3000.00} and they garnish my wages anytime I get a job. I am XXXX now and i look back at the day the bank of america rep XXXXXXXX XXXX XXXX  and nothing was reported or done.

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 2018-05-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GREAT LAKES
State: WI

Complaint narrative:
In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again.XX/XX/XXXX, I signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I lost or had my cashiers check stolen on or about XX/XX/2015. The check was drawn on my Santander Bank account. I had Santander branch # XXXX research the matter they found {$4000.00} and {$10000.00} check, but not the {$14000.00} check in question. Somebody cash the check or if lost their account will be off {$14000.00} somewhere? I will assist with all information regarding this matter, as soon as you need. Thank you for any assistance you can do. XXXX XXXX. 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 explanation
Consumer complaint received 2018-05-08 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: NE

Complaint narrative:
Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with Equifax as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and Equifax both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with XXXX   as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and XXXX both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough

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 2018-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When l checked my XXXX  and XXXX Reports, l noticed that on XX/XX/2017 an unknown inquiry was made by CAPITAL ONE which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, I saw an offer for a SPG American Express card with a XXXX point sign up bonus. This offer is available only to those who have never had the card before so I had an online chat with American Express to confirm if I have ever had this card. I have been a client for 20 years so I can not recall every product I have had in the past. The chat representative told me " Please be assure you never had a SPG a personal SPG card '' and " so you can go ahead and use the bonus offer ''. Now months later I have not received my bonus. When I asked why, the reps tell me I had a card many years ago. When I showed what a previous rep said in a chat they launched an investigation on XX/XX/18. I have been following up every week as they suggested but there is never any new information. It's been long enough. The evidence speaks for itself and takes all of a few minutes to review and consider not months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX i do not recoginize these offending claims remove off of my report. 
Called transunion and requested they up hold yo their responsibility to ensure that creditors demonstrate clear permissible purposes in accordance to fair credit reportin act before releasing a consumers 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 2018-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BB&T CORPORATION
State: WI

Complaint narrative:
Dispute Debt with XXXX XXXX XXXX per Contract Collection Agency has no legal right to collect the Debt. Reporting of the Debt is a Violation of FCRA and XXXX XXXX  is in Breach of Contract by violating the Arbitration Clause. The contract must specially state that you can send my account to a collection agency and it does not furthermore it was paid with Collection Agency which agreed to delete account. You have 30 Days to Delete Charged Off account to avoid further Legal Action.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: WA

Complaint narrative:
I just had a background check run for my new employer. I noticed that there is an incorrect address reported that has my name and date of birth associated with it. The dates are XX/XX/XXXXto XX/XX/XXXX in XXXX, TX. I've never lived in Texas and haven't been to the state since a layover there during a trip back in XX/XX/XXXX. Around the time of this reported residence in Texas, I had received a fraud alert on a credit card, and I am wondering if the person that triggered the fraud alert was staying at the residence in Texas, as it is listed as a rental house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery/Portfolio Recovery Associates Inc has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.

Company response to consumer: Closed with explanation