vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 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: TX

Complaint narrative:
cra violation equifax breach cause me to destroy my credit file XXXX  taking more than 90 days to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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 2018-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by me.

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.

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 2018-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.

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 2018-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX XXXX  and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/ at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/ this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 2018-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: NY

Complaint narrative:
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently received my free annual credit reports. On Transunion and XXXX, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, XXXX, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX XXXX XXXX and had a terrible experience. XXXX refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
We financed our home with First Citizens Bank ( then XXXX   XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX Bank of America suddenly locked me out of my online account until I typed in my full social security number and full credit card number. That's a huge identity theft concern. I kept trying for a couple weeks and finally called them. After 45 minutes waiting for a live person they told me that they refuse to change that policy, and also I had a late fee for making ( I thought ) XXXX 's payment in early XXXX before they locked me out of my online account, but it was too early in XXXX to count towards XXXX. That part is my fault, I'm not blaming them for that. I then paid the full balance by phone and verified a few days later that I had a zero balance. Last week I decided to close the card completely which I successfully did and confirmed by phone with a live person that the card is closed and I have a XXXX balance. Today I got a bill for {$1.00} on the closed account. Thank goodness they actually sent that email or I would have no idea I was still being charged. I tried unsuccessfully to get through to a live person and gave up and paid the {$1.00} by phone. 

I am hoping that is simply a finance charge from XXXX 's activity. If they start trying to charge me a finance charge on a finance charge I am going to have a problem with 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 explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
in XXXX a payment plan was set up with Citibank , N.A . and payments were made via automatic withdrawal. no payment was ever missed or late. 
XX/XX/XXXX I received a XXXX for the a discharge amount. 
I was never contacted about the payment plan or offered and alternative to the XXXX. 
Can the creditor automatically send a XXXX without approval of the borrower while an active and ongoing payment plan is in place?

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 2018-02-08 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: DE

Complaint narrative:
I obtained my credit report from Equifax, report confirmation # XXXX and noticed a hard inquiry was recorded on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted Equifax to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The employee, XXXX, informed me that she could not do anything to assist me to have the hard inquiry removed and that it was my responsibility to contact XXXX XXXX to obtain a letter from them verifying I did not apply for credit. She also asked if I contacted the police department to report it. Also, she confirmed it would stay on my credit report for two years until Equifax receives a letter. I asked to have a fraudulent inquiry put on my file to ensure this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: NC

Complaint narrative:
Inquiries not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.

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 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
For the longest time I believed I was dealing with XXXX XXXX for student loans. A few months back I received a call about a lawsuit against naviant concerning the loans. I ignored it thinking I had XXXX XXXX. Last month I started to repeatedly get emails from naviant about being behind on my loan payments. First time hearing about this and first time finding out they held my student loans. I went to the site and looked up my account, there is a late fee of over 400 $ that was applied and when I try to change the loans or defer it I get sent to another site where I have to make another account. As I look at the statement I'm seeing charges, multiple charges, that were all listed with the same day. Almost XXXX XXXX  $ or more charges a piece on the same day. And that day hasn't even occurred yet. It says XX/XX/2018. Which is even more confusing. So I looked up about this lawsuit with the company and it stated to make a complaint if I see or have an issue and from what I'm seeing, something isn't right and I need it deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: SC

Complaint narrative:
Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: TX

Complaint narrative:
Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation