vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
OnXX/XX/XXXX, fraudulent charge for {$25.00} was placed on AMEX Department Stores ( Macy 's ) store card that had never been activated and I received a call that a fraudulent charge had been made. Charge, however, was still processed and I was charged late fees and reported to credit bureaus for non-payment while the charge was in dispute.
After several calls to the company, requested paperwork filed with credit card company and investigation was completed. I received a letter dated XX/XX/XXXX that indicated that all charges and fees had been removed and credit bureaus had been notified to update my report.
More than 90 days later, late payment for XX/XX/XXXX still shows on all three Bureau reports. Repeated calls to the credit card company have failed as they claim they have updated the bureaus fully. Requests for further investigation from the credit bureaus have resulted in the account still showing the late payment for that month. All sides refuse to take any further action while this fraudulent activity is still impacting my credit score.

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 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC.
State: GA

Complaint narrative:
I have attached documentation showing that I have paid both Afni ( XXXX ) and XXXX XXXX for XXXX XXXX XXXX. Afni promised to have this deleted off my credit report however it is still showing. I 've contacted XXXX XXXX who keeps telling me to contact XXXX XXXX. I am going back and forth between these two consumers when in actuality I just want both of these accounts deleted from my credit report. Also XXXX ( XXXX XXXX XXXX XXXX ) has posted an inquiry to XXXX XXXX that I did not authorize. I would like that inquiry to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: MI

Complaint narrative:
To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, 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 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - Requested tax lien be removed from my report again. Have tried previously years ago.
XX/XX/XXXX - Trans union simply replied 'Information updated '.
This is not a consumer credit transaction which was taken care of long ago with the IRS.

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 2017-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: MI

Complaint narrative:
I advised this company that I will handle the debt when I can. This debt is around 600 dollars. They have contacted friends and family members which I did not give them a number for. These people contacted my employer also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient Solutions has been previously notified on several occasions that the only approved method of communication is via the recipient 's mailing address. As of Monday, XXXX XXXX 2017, the company continues to attempt communication through the utilization of phone calls. It is noted that Navient Solutions is not approved to contact the recipient via phone. A supplementary cease and desist letter will provide the recommended method of contact between both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had opted for paperless billing statements from Kohl 's a few years ago and had not had much problems. However, I had been receiving too many marketing emails and opted out of them a few months ago. After that, I did not receive any paperless billing statements from Kohl 's but I was n't making many purchases. I have always found their online system to be very slow and hard to access. I finally was able to access it a couple of weeks ago when I realized I had n't received a bill for a suitcase I had purchased. I was puzzled because their online software system sent me an email saying thank you for registering, even though I have been a registered user for years, when I accessed it to check on the bills. It also kept telling me that my email provider had changed and that was n't true either. My email address is still the same as it has been since 2007 and was correct in their online system. I found 3 billing statements that were never sent to me and that Kohl 's had been adding fees and interest charges to my bills. I called them and sent them secure email messages explaining all these inconsistencies. They only removed some of the fees and none of the interest charges, basically telling me it was my problem and not theirs. I finally received the 3 bills by mail as I asked for, none of which I was even informed was available when they were. I think they made a software update that caused a problem and are charging me for the resultant problems because the fees to do so are so high. I have now switched to paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: FAN Distributing, LLC
State: NJ

Complaint narrative:
There is an account showing in collections/charge off for XXXX $ from a company called XXXX XXXX. They have a phone number listed on the credit report as XXXX. This number is out of service and the recorded message states this is a mobile number and the mobile number you have dialed is no longer in service. It also lists an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have sent numerous debt validation letters and general letters asking for any documentation and no response is ever returned. 

First off, I do n't have anything knowledge of opening such an account. I do not know what it is nor can I get any information on this. I have set 3 debt validation letters with return receipt and receive no answer back. 

I have disputed this over and over, numerous times over the past 2 years and with no luck. Each month the balance goes up by about 27 to 35 . I have reported this account as fraud and ca n't find any information on it. I have never received any correspondence or phone calls from any company or collection company claiming to have this account placed for collection. 

This account has been on my credit report since XXXX with an initial balance of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: KY

Complaint narrative:
On XX/XX/2017, XXXX made a hard inquiry on my credit without my knowledge. It is showing up in my Trans-Union Credit Score. I called XXXX and was told by giving my personal information to the salesperson, I was giving them permission. The salesperson did not tell me and I did not know he was using this information to sign me up for credit. I was looking into buying a mountainbike and thought he was just getting my information for the sale. I called Trans-Union and they need a letter from XXXX which I can not get.

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 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
From XXXX to XXXX, we repeatedly submitted requested documents and loan modification applications to XXXX consecutive servicers, the last being Shellpoint Mortgage Servicing on behalf of XXXX Mortgage. Shellpoint Mortgage Servicing approved our application for a reasonable loan modification with their standard loan modification in XX/XX/XXXX. After completing the trial period we received the permanent loan modification with contractual terms, conditions and financial obligations we found to be unfair and unjust. However, we accepted the loan modification under duress. We did this because to us this was a continuation of our 10 year struggle to obtain a reasonable loan modification that fairly evaluated the unique circumstances of the causes of our mortgage delinquency. We spoke to XXXX XXXX about our concerns and followed up with a letter and emails to the Shellpoint Loss Mitigation and Escalation departments. To date we have only received letters telling us that they are investigating our issue, but no one has called or written to us for input. Yet to date we have paid the monthly payments of {$2300.00} which we believe is too high for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX on time. This is the reason for our complaint and a request to Shellpoint for a 90-day grace period for submitting our appeal and for dealing with the additional expenses we incurred due to the effect of hurricane 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 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a problem with a late fee issue which was subsequently resolved. I received no notice of the resolution, so I called Wells Fargo. I was notified that the problem was resolved and I was made an offer to waive the last payment ( XX/XX/XXXX ). In this case, as with the last, I was not informed of any action in the matter. I called Wells Fargo back ( XX/XX/XXXX ) to follow up and I was informed that there was no case opened for the request. However, a case could be, and was opened. 

Since the original enquiry and the time of the follow up call, a payment was not made in anticipation that the final payment would be waived. In the interim, Wells Fargo reported the account delinquent. I feel that this is unfair since the problem originated with Wells Fargo.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off

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