vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.

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 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In early  XXXX ,   XXXX   XXXX   XXXX   attempted to pull my credit report thru Equifax but was unable to due to a security freeze. I wrote to Equifax to explain that I could not locate the 10-digit PIN and provided them with all of my PII along with a copy of my pay stub, driver 's license, and utility bill. Equifax responded on  XXXX / XXXX /17 by requesting all of the Info I had already provided AND the 10-digit PIN. I replied with my original documentation along with some extra docs for good measure and Equifax charged my credit card {$5.00} and responded on  XXXX / XXXX /17 confirming that they had permanently removed the freeze.   XXXX   XXXX   XXXX   tried to pull my credit report again today, but they could not. I am trying to obtain a car loan, but obviously ca n't until the freeze is removed. I 've called multiple Equifax phone numbers but have never found an option to speak with a person..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WA

Complaint narrative:
I graduated college in  XXXX  with {$20000.00} in student loan debt from   XXXX   XXXX  . I initially struggled after graduating college to make these high payments. The loans often went into forbearance or deferment. The loan was then sold to AES in  XXXX . I now owe  XXXX ! I have paid on time for a few years now and still seem to owe this balance. It is truly outrageous and criminal what these companies and the government are capable of charging in regards to interest for a education. Something that is every individuals basic right. I have tried for over a year now to get my entire history from either   XXXX   XXXX   or AES in regards to how my interest could possibly have incurred to this point, and neither agency has the record .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
in  XXXX  2015 a medical bill with   XXXX   XXXX   XXXX     XXXX   XXXX   Tn was reported to collection agency even though i had made applications for financial assistance because I make below poverty level income.   XXXX   XXXX   turned the acct {$2800.00} over to a collection agency Affiliated Creditors Inc in   XXXX   Tn. When I received the letter from the collection agency i contacted them and was told that if I set up payments and paid them there would not be a negative report sent to credit Bureau. I have paid every payment of {$50.00} for a year and a half Before it was due and even extra Payments some months even though i did not have the extra money to meet the obligation We agreed to. These payments have been in full and on time for 18 months! I was able to get my credit report today and the first thing on it is a negative from this company or   XXXX   XXXX   opened in  XXXX  2015 showing the acct closed and payment status UNPAID and comments UNPAID and Below in payment history it shows NO PAYMENTS made! I have a copy of every check mailed and a paper with all the acct info that was mailed with it showing I have been current even paying before it was due Even though they will not bill you I still paid on time EVERY MONTH! I had a   XXXX   XXXX   and have been sick for a long time It is so frustrating when you try to do the right things to protect your credit because that is all i have since my income is so low to live on sometimes. and people like this collection abency dont care and dont even try to do whats right. I hope some one can help me because I Have been getting bad treatment from the begining with not getting financial assist from   XXXX   XXXX   XXXX   to this collection agency ACI ruining my credit by not reporting the truth to the credit Bureau Thanks for any Help  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX   and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with  XXXX  ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from  XXXX  to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since  XXXX  runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

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 2017-07-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

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 2017-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: MA

Complaint narrative:
I was checking my account and see  XXXX  different account in collections in my credit report, both are payday loans that I do n't know about

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My name is   XXXX   XXXX   and I had a loan with HSBC Mortgage Services which was recently sold to   XXXX   XXXX  , I was in a  XXXX  BK from  XX/XX/XXXX  to  XX/XX/XXXX , which I completed my  XXXX  and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in  XX/XX/XXXX   a nd was approved pending all documents submitted per request of  XXXX  and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my  XXXX  XXXX  pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my  XXXX  XXXX  period.
I need some help on figuring this out.... .PLEAS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed items on my report several times, Equifax refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had   XXXX   public Records listed on my report. law as of   XXXX   XXXX   state if cant verify it has to be removed. well all   XXXX    credit agencies removed one of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX   of the collections account was removed ( Interstate credit collection ) and they put it back with out notifying me within 5 business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional   XXXX   XXXX   is undeliverable and how can you delete   XXXX   but verify the oher, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: AL

Complaint narrative:
I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. 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 2017-07-18 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: PNC Bank N.A.
State: OH

Complaint narrative:
I am involved in a federal crime involving   XXXX   XXXX   XXXX   who is now being investigated by the Federal Trade Commission. It is currently shut down by the FTC. I received a letter last week from the FBI stating this. I gave   XXXX   XXXX   XXXX   {$14000.00} last  XXXX  to perform patent services which they did not deliver. Myself and thousands of others were taken by the scam and where led on to believe that the Company was performing their services as promised up until  XXXX  of this year. After hearing of this I went to my bank PNC to file a dispute and they have denied my claim because it was not reported within the 60 day time frame. Me as well as all the others only found out about this and  XXXX  after the company was shut down and we were sent letters from the Federal trade commission. I did report the fraud to the PNC after I found out. I am still being denied due to the timeframe and I have gone all the way to escalations and I am still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX    XXXX  , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to Experian and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from Experian : Discharged through Bankruptcy Chapter   XXXX  . This account is scheduled to continue on record until   XXXX   XXXX  . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OH

Complaint narrative:
Beginning  XXXX / XXXX /2017 started receiving calls from  XXXX . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  .
The first couple of calls I answered not knowing who it was on the line. They do not answer me, I can hear noises in the background like faint voices and phones ringing, but they never speak. If I say " HELLO '' a second time, they hang up. I do not know who it is, what they want. I once tried to call the number back, but it puts you in a calling que ( on hold for the next available person ) but no one ever picks up the line. I 'm really tired of getting these calls especially when they do not leave a message or tell me what   they want. I would like help stopping these calls to my cell phone.

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 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX   XXXX   Account #  XXXX  I borrowed {$3500.00} in  XXXX  I started paying in   XXXX   I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX  I still owe Total Current Balance : {$2400.00}. Something is not adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In the month of   XXXX , COM ENITY BANK/VICTORIASECRET reported that I was 30 days late on a monthly payment. I never received a statement from the merchant. They admitted to their mistake and I made a full payment immediately, once I was made aware of the past due balance, they even removed the late fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.

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