vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).

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 2017-06-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX I paid off my Account with XXXX XXXX XXXX in XX/XX/XXXX. I waited two months before I first disputed my credit report. The collection has been cleared from both XXXX, and XXXX, but Equifax fails to remove the collection from my report, even though it states that the collection has been closed, due to account pay off, and the account balance is XXXX. I call XXXX XXXX XXXX to make sure they reported it to all of the credit bureaus and they stated that they told all of them. Equifax still will not remove the collection from my credit. I 've called them and never get an answer, I disputed the collection over 5 times and I just did it again. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is 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 2017-06-21 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: GA

Complaint narrative:
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-06-21 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: GA

Complaint narrative:
I am filing this complaint because Equifax | XXXX XXXX | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
There 's a few things XXXX XXXX/ Navient has done to make paying off my student loans more difficult, and I think try to scam me out of more money. In XXXX I set up Auto payment to be paid on the same day of the month each month. On a regular basis they would change the date, often advancing it without notifying me. If I ever paid off more than was due, they would not notify me that it was just going against the compounded interest, not principle. After years of paying on time, not missing a payment, my interest rates are going up, and higher than the us market rates are going up, .5 % as opposed to .25 %. I 've paid over {$50000.00} in student loan interest and only {$25000.00} in principle, maybe. The fact that it 's compounded the way it is, I may just be reaching my principle. They will not work with me on changing interest rates, or any kind of settlement that will allow me to get a chunk of principle dept paid off. They 're just trying to keep me in debt for the rest of my life so they can make XXXX off a XXXX loan I took out. I think I 've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Enerson Law, LLC.
State: TX

Complaint narrative:
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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 2017-06-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
My father XXXX XXXX XXXX was a patient at XXXX XXXX XXXX Pa. He was transferred from XXXX XXXX to this facility. I ( XXXX XXXX ) am the only family member left to sign him into XXXX. All I did was sign him in and sign him out. I was very clear that I was not responsible for any bills. He has XXXX and XXXX XXXX. I recently received bills and a notice that I was being sent to a collection agency for his medical bills. I called XXXX and questioned why I was receiving any bills. I wanted to know why the bill existed in the first place. He has been a patient there at least 2 times before. They told me that his XXXX XXXX was no longer valid. His payments to XXXX XXXX were electronically deposited so I do n't know why that is the case. I want XXXX to send the bills to the patient and not me. I was not a patient

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX  XXXX XXXX XXXX - Account type- Installment Account. **i am disputing this account for inaccurate information. I had sent a letter on XXXX/XXXX/XXXX to XXXX XXXX XXXX, did not hear back from them. I then received my letter returned from post office on XXXX/XXXX/XXXX, undeliverable to XXXX XXXX XXXX stating the creditor address was not delieverable as they no longer do business there. On XXXX/XXXX/XXXX, I sent a wrong address to Experian stating that the address that Experian has on my credit file for XXXX XXXX XXXX WAS inaacruate and that they need to remove XXXX XXXX XXXX IMMEDIATELY FROM MY CREDIT FILE, I have not heard back from Experian or XXXX XXXX XXXX and as of XXXX/XXXX/XXXX, XXXX XXXX XXXX is still reporting on my credit files. I want this deleted immediatly from all my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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:
I sent a letter over to Transunion for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Transunion to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is completed. Sincerely, 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 2017-06-21 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company keeps calling me and advising they are prosecuting a fraud action against me. They do not leave the name of the company or any information on what their allegations are or who they are calling from. They are demanding a call back from me or my attorney or they will file a complaint. 
There is currently no open collections proceedings against me. The calls seem to happen after calls from a " Portfolio Recovery '' calls. The Portfolio Recovery " Collection '' is now over XXXX XXXX XXXX and unable to be pursued, but they just change the account information to show it new. I do not know that this is the same company, but again, they seem to call at the same time and again this is the only active, but unprosecutable issue on my credit.

Company response to consumer: Closed with explanation