vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly statement.

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 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This a new credit card. A charge of {$220.00} was due and unpaid on XX/XX/XXXX. On the next ( XX/XX/XXXX ) statement, a {$27.00} fee was charged plus {$5.00} in interest, which together with the previous balance and new charges reflected that payment in full of {$800.00} was due on XX/XX/XXXX. One week before the due date, I called the credit card company, confirmed that the total due on XX/XX/XXXX including all interest and fees was {$800.00}, and authorized ACH payment from my checking account. Pursuant to the statement, that should have resulted in a XXXX balance. On XX/XX/XXXX ( after the billing cutoff for the prior month ), I charged XXXX in purchases. On my next ( XX/XX/XXXX ) statement, in addition to that purchase, interest was again charged in the amount of {$6.00} ( more than the one month of interest that was already paid ). When I sought an explanation from the credit card company, '' XXXX '' told me that this was interest going back to XX/XX/XXXX. Because the credit card company refused to acknowledge any error and presumably consistently applies this fraudulent practice, I have cancelled the card and paid {$26.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.

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 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
In my credit report accounts are reported that I do not recognize, Porfolio recovery # XXXX I do not have an account with them XXXX # XXXX I do not have an open account with them. XXXX XXXX # XXXX I do not have an account with them. Also requests for credit that I have not made XXXX-2017 XXXX XXXX, XXXX-2017 XXXX / clear I need to not mix in my credit report someone else 's information and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: NJ

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. 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 2017-08-09 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had to change from income based to a graduated plan. I did it through XXXX XXXX and was told by them I was on forbearance til XX/XX/XXXX and my payments would start at XXXX and eventually go up every two years. While looking at my account on navient it now states that I must pay XXXX a month. When I called them they said they had no record of me being in forbearance and refused to tell my why I now owe XXXX a month instead of XXXX. It 's not that big of a deal but I love paycheck to paycheck and I think that the absolute disreguard they show is ridiculous. No wonder people go into default. If you can, DO NOT use them as your providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: IL

Complaint narrative:
My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

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 2017-08-09 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: IL

Complaint narrative:
My social security number was compromised in XXXXXX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.

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 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XX/XX/XXXX, I attempted to refinance my mortgage with Wells Fargo using the HAMP program. I believe I fit into the classic reason the program was established. I was current with my mortgage ( never a missed or late payment ), but had lost my job in XX/XX/XXXX. I worked for XXXX XXXX and my annual salary was XXXX {$XXXX}. In XX/XX/XXXX I gained employment, but at a significantly lower salary $ XXXX. Through hard work, I was able to quickly increase my salary and was making $ XXXX by XX/XX/XXXX. Even with the increase, I was struggling to make my mortgage payment, but again was never late. HAMP was designed to help people in my situation. The stated intent is to modify mortgage terms so that the monthly payment is no more than 31 % of a persons gross income. At the time I requested a refinance my payment was 38 % of my gross pay. I was denied and encouraged to apply for a HARP loan. I agreed ( desperate to skip a month with no payment ). I did get a slightly lower rate ( from 6 % to 5.125 % ), but my old loan was " interest only, '' so the net was a higher mortgage payment. After the process my payment moved to 39 % of my gross income. I attempted to resolve this years ago and never got a clear reason from Wells on why I did not receive a HAMP modification. I finally dropped it, but after the recent news that clearly shows Wells did/does not have the proper governance and controls in place, I am requesting someone review my situation. I have since moved and found another lender to work with, but believe I am the victim of UDAP and there are likely others in my situation.

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 2017-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: MD

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, MD to purchase two mattresses. I was offered a credit application so I tried and was denied. The salesperson explained that the have another payment option through West Creek financial and we are able to do 3 months 6 months or 12 payment options. This would be paid from my bank account ACH withdrawals. We explained that I wanted the 6 month option so I do n't pay as much in fees. He agreed that the less time you have to pay the better. The total came to {$2400.00} and that we had to pay {$190.00} as my 1 payment in the store additional payments for 6 months will be paid biweekly from my bank account via ACH withdrawal. Fast forward 6 months I am still paying. According to my calculations XX/XX/XXXX should have been the last payment. My wife realized that West creek financial took out a payment of {$190.00} on XX/XX/XXXX. So when I got home from work we called West Creek Financial and spoke with the customer service agent. The agent explained that we do n't have a 6 month plan, you have a 12 month plan according to our records. I said you have it here on your pamphlet 6 months and that 's what I asked for. The agent said I have to pay 80 % interest on the total of the purchase for a total of {$4400.00} over 12 months or pay them {$1100.00} today to settle the interest. I told the agent that is robbery and no I did not sign up for that. He explained that he would reach out to the financial department and see what he could do. I thanked him and he said he would call back the next day to tell me or my wife the verdict from finance. He called back spoke with my wife and said the most he could do is lower it to {$930.00} if we pay today. My wife thanked him because he tried, but told him that we are submitting a complaint with CFPB. To date we have already paid {$2900.00} that 's {$470.00} over. That should cover the fees for the 6 months. Please help me with our situation with West Creek Financial in

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.

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 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery XXXX. was sent out a letter of validation on XX/XX/XXXX, 2017. In return the sent me a letter with a copy of a lot of old bills. An old bill does not validate this account belongs to me. When I call they ask me for my social so if you ca n't validate that this is my account why do you need my social. I am asking that this account is deleted off of my credit report because they will not comply of what I need to verify this account. The account number thatchy sent is XXXX. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation