vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank who issues a card for Home Depot would continually issue late fees when payments were submitted on time. Would have to call regularly to get fees rescinded. Finally had it with this credit card company, called and cancelled card. Entire amount was paid off. Company continues to send statements with minimum late fees of {$2.00}. They have their robocaller calling me every day to collect the amount due. Called the company several times. They will not remove the fees, talked to a " manager '' he said he could only remove {$2.00} of the fees not the other fees they have charged to the " closed '' account. Am receiving monthly statements with the minimum fee added of {$2.00}. This is the worst credit card company ever in my experience.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a complaint to CFPB regarding Equifax failing to block a fraudulent account on my credit file after they received a copy of my Identity Theft Report. Long story short, Equifax added my CFPB Identity Theft complaint to my credit report as a consumer statement. I was not under the impression that filing a complaint with CFPB would cause my complaint to end up on my report as a consumer statement. Equifax never asked my permission and not only that but the my complaint mentions Identity Theft. My complaint to CFPB was not intended to be used for as a consumer statement. I wrote to Equifax asking them to remove the consumer statement they added without my permission and they have not responded to my dispute and still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 non-monetary relief
Consumer complaint received 2018-08-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed AMERICAN EXPRESS ( AMEX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by AMERICAN EXPRESS ( AMEX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted AMEX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have never been more disappointed in a product I had such high hopes for. As I watch the banner video on this page I can truly say what they claim border on fraud. 

XXXX XXXX ( a part of BBVA Compass ) claims to be servicing the " Expat '' Community but this is the WORST financial product for an Expat. Adding to the already well noted issues about its inability to provide a current reconciled balance ; significant delays in posting direct deposits ; and part-time customer service ; I've now experienced the " security block '' of the card because it was used in multiple cities. While traveling within the US ( my home country ) then even internationally, my card was declined ... there's no 24/7 Customer Service never mind even regular reliable customer service hours where you know you will reach someone ; and when I finally did get someone who could look at the account - they had NO idea why the card was being declined ( side note - literally sounded as if the guy had me on speaker phone in some empty office on the other side of the world which didn't offer much confidence ) ; and it took another 3 or so days to say it was a security check because of the use in multiple cities, and another day to " resolve '' that. They said the card was unlocked, yet when I go to use it - STILL declined ... still not able to reach anyone in customer service.

So as of today I have been out of my home country one week without access to or use of my card. 

No one takes any responsibility for the poor service and even worst execution of this product - all I get are excuses ... 

" The demand for the card was much greater than we expected '' ; " The app is still being developed '' - Perhaps instead of saying we're " Founding Members '' we're actually BETA Testers we should have known this. 
" The security lock is something VISA does '' ; The only actions I've seen XXXX take toward resolving any of the other customer complaints on this forum is that I've noticed now instead of the phone directly going to voicemail, there's a delay, message and some nice music saying they're looking for someone to assist before my calls are sent to voicemail. 

So in summary, I've given this card time and energy to see if it does what it says and in every way imaginable XXXX FAILS to deliver as a product. This is truly an example of " you get what you pay for '' - there are no international transaction fees ... and there's no service or support as well. This card not only grossly underperforms but operates directly contrary to its advertised capabilities. Nothing with it happens in anything close to " current '' status ' and it is FAR from anything close to being convenient for the Expat community. 

Then to see in some of their XXXX page comments obviously scripted exchanges with " customers '' just adds to the concern this is a fraud of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2018-08-14 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been caught by a scam buyer. He bought my electronics and I shipped in from XXXX which he had to pay XXXX but never got paid. We shipped it to an address in XXXX XXXX XXXX under the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, this is the tracking number. XXXX The buyer email is XXXX and the fake pay pal email address is XXXX. They threathen us to pay XXXX in order to withdraw and i did paid to a bank in XXXX and i hope you can also contact XXXX XXXX in XXXX as well. I have found someone in different state also sold an phone to same address. I am suppose to be paid XXXX and the other person is XXXX XXXX. I have contacted police authorities but they said they need an lawyer. 
Also I been charged couple of times to a bank name in XXXX. 
Nama. XXXX XXXX XXXX Account Number. XXXX Bank Name. XXXXXXXX XXXX Bnak Status. Savings Account Zip Code. XXXX City. XXXX Phone Number. XXXX Country. XXXX from XXXX XXXX  XXXX XXXX no XXXX XXXX XXXX I have an someone who helped me investigate the address and the person for free and they need a attorney for further arrests and get my money back. I have the contact info. I hope you can help me out. I will pay you after i can get my money, and I want to get my money. WE just need someone to write an agree form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AE

Complaint narrative:
I am never late with my Mortgage Payments, in fact, I always add enough money to cover at least the next Principal Payment. 
As I am nearing retirement, I am interested in paying off my mortgage entirely so I am now sending additional principal curtailment checks after I send in my monthly payment check. 
The Mortgage Co credits my payment check to my account in two days, but takes 7 - 10 days to credit my principal curtailment checks. Why? 
They claim the delay is due to " Receiving and Processing ''. 
I think they are earning interest on the money and just not being honest about where it is and why it takes so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.

I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.

I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate. 

At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.

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 2018-08-14 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: Nelnet, Inc.
State: FL

Complaint narrative:
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, Nelnet and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not XXXX XXXX and XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: FL

Complaint narrative:
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, XXXX and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not stressed out and anxiety ridden.

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 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX   noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it. 
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX   and The CA State Attorney General 's Office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Manor Resources, LLC
State: MI

Complaint narrative:
Dear Supervisor, The loan has been transferred to three different companies known as Manor Resources , LLC. and or XXXX XXXX. Three different addresses starting in XX/XX/2018. No more access to online account possible. Unknown if the payments have been credited properly to the account for the last five months. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX They are indeed very hard to locate since the transfers started in XX/XX/2018. Please have them send a complete payment history and provide access to the Internet. Please investigate the high interest rate of 24 %. Very concerned abut this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In May received a call from this collection agency. Asked for a person. Explained no one by that name here. They said that att sent them this account due to no payment under a ( this person name ). Told them that we have never had an XXXX mobile acct and that this is an error cause the acct does not belong to me. I then called XXXX fraud depart had them check under my name, address, ssn ... they said no acct exist. I had them try and find an acct with this bogus name, using my address ... still could not find an account. The fraud department told me that since they could not find any accounts, I should not be worried. I told this to the collection agency who I found out went ahead and reported this bogus account, with the bogus name, under my social security number. Not sure how the collection company got my social or my phone number but it sure did not come from att cause I never had a mobile account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IA

Complaint narrative:
In XX/XX/XXXX I purchased an acreage. I had borrowed through XXXX XXXX XXXX as a first time home buyer. It was a FHA Loan. My taxes and insurance is all escrowed as well as the PMI ( private mortgage insurance ) In XXXX the PMI had come off my mortgage. Making my payment somewhere around XXXX a month mark. In XXXX I decided to refinance to take advantage of lower interest rate. The refinance was with Nationstar Mortgage. Who now is Mr Cooper. Since refinancing the PMI had went back on my mortgage. Since my refinance my payment has significantly climb to up over XXXX a month. Yet my mortgage balance does not not decrease. Last year at this time Nationstar mortgage told me in XX/XX/XXXX the PMI would come off. Mr. Cooper associates tell me that im not eligible now. Ive lived in this house I purchased for 8 years now. Never missed a payment, was never late. My mortgage balance doesnt seem to decrease How ever my payment continues to go up and up. I feel as if something is just not right. Ecspecially after being told by Nationstar before switching names ... that the PMI would fall off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.

Company response to consumer: Closed with explanation