vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 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: VA

Complaint narrative:
I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process 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 monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.

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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IN

Complaint narrative:
This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This creditor is asking for a debt in the amount of {$390.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus

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 2017-05-20 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
To whom  it may conc ern, My name is  XXXX   XXXX , I am currently having an account with  FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was  XXXX , originated on  XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to  XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal.     Please help,  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 2017-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I noticed my credit report had an open account for the amout of  XXXX , opened back in  XXXX , of  XXXX  i never open tye above account, also i disputed it with all  XXXX  credit reporting agencies. This account was open without my authorization. This account does n't belong to me. On  XXXX ,  XXXX   XXXX  after my dispute it was removed from all  XXXX  credit reports, and on  XXXX   XXXX ,  XXXX  the company reinserted the same account, and by law an once and item is removed from credit reports it can not be reinserted after 7 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
Consumer complaint received 2017-05-20 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: TX

Complaint narrative:
1. My FCRA rights being violated by TransUnion.
2. Part One- TransUnion removed my inaccurate hard inquiry 's ( good ) Part Two- Transunion added the inquiry 's back onto my credit report without the 5-Day notification required by FCRA.
3. Contacted TransUnion three times my mail, twice by phone and they refused to assist me.
4. TransUnion is the company my complaint is about.
5. I am involved, three different investigations and twice a woman supervisor named  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 2017-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I had an arrangement with  XXXX   XXXX  and was able to make the monthly payment.  ( Approximately   XXXX   XXXX   XXXX   ). Somehow a company by the name of Naviant took over   and my arrangement stopped. I could n't make the {$50.00} payment any longer and could n't reach  XXXX   XXXX  to try and fix and/or renegotiate another monthly amount. I am  retired  and on a fixed income of less than {$1000.00} per month income for both Social Security a nd   OMB Federal Retirement.        I 've paid my loan religiously for many years and want to continue paying it ; however, I can no longer afford a   XXXX   XXXX   XXXX  payment. I have to constantly renegotiate with my creditors each month to pay them as my overall bills  ( rent, utilities, credit cards, etc. ) is more than I currently take in. My health does not allow me to get employment so all I have to live on is my income of less than {$1000.00} per month. I do get {$16.00} per month in food stamps and go to other agencies ( food bank ) and Senior Services to help with food.      I 'd like to pay this and hopefully can get an extended arrangement with  XXXX   XXXX  if at all possible.     Thanking you in advance.      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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I noticed my credit report, and its and account inserted   XXXX   XXXX   XXXX   XXXX  ,  i never opened this account. This account does n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
some guy name  XXXX   XXXX   XXXX  kept pretending to be me I do not know who this individual is.          XXXX  account reported on  XXXX   XXXX ,  XXXX  This agency did not report an open account to this bureau.   Open Account #  XXXX  {$1600.00} Balance  XXXX   XXXX  Creditor {$1600.00} High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.   Responsibility -- Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it bank.

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 2017-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
This car loan has been on my credit report ove r 7 to  10 years and should be deleted immediately.

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This car loan has been on my credit report over  7 to  10 years and should be deleted immediately.

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 2017-05-20 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 — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Mortgage with   XXXX   XXXX   XXXX   was first reported delinquent  XX/XX/XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds   XX/XX/XXXX  .   This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.

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 2017-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.

Company response to consumer: Closed with explanation