vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Today I received a letter from Citizens One stating that they were unable to process a scheduled payment for an XXXX loan and that within twenty days Citizens One will close the loan and have long term implications on my credit worthiness. I contacted Citizens One and the only information they could give me was that someone purchased an XXXX on XX/XX/17 using my information. This was over a year and a half ago and this was the first letter I received stating that someone used my identity and personal information to get a new phone. I spent over 45 minutes on the phone asking for information on where the phone was purchased, the type of phone and any other details to help me file a police report. Citizens One customer service ( fraud and billing ) could not provide me with any of that information and continued to treat me as if I opened the loan! This is completely ridiculous that Citizens One could do this and offer no assistance to me during a very troublesome time when I just learned that my information was used to open a loan. I should not be financially responsible for a loan that I certainly did not open and for a phone that I never received. My current cell phone is a phone my husband purchased over 3 years ago. I have an XXXX XXXXXXXX XXXX and under no circumstances was a loan opened. I do not want my credit affected by this fraudulent transaction and I ask that Citizens One fully investigate this matter and provide me with actual details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I have never received anything from this company about debt, and furthermore this debt on my credit is a HIPPA violation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr. Cooper refuses to remove the PMI from my mortgage despite the fact that I have meet all of the criteria : -My balance is below 80 % of the original loan value. 
-I have never missed a payment nor been late on a payment. 
-I supplied a Broker Analysis proving that the value of my home had greatly appreciated from the original loan amount. 

I have been going back-and-forth with Mr. Cooper for almost 2 months and they are being obstructionist and refusing to remove the PMI despite meeting all of the criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: U.S. BANCORP
State: CA

Complaint narrative:
I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received 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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America
State: TX

Complaint narrative:
Called XX/XX/18, XX/XX/18, XX/XX/18 and other previous dates Told them to only communicate with me via mail They have in their notes not to call me and still do Debt Company : financial corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. 











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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account below is not mines. I have attached complaint sent to company and attorney general of Florida. 


XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00} Needs Attention

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a credit card amount with Chase in XX/XX/XXXX, after living in the United States for three months ( I am a XXXX XXXX by birth, but have always lived overseas ). On XX/XX/XXXX, they suddenly closed my account with no notice. I called their customer service that same day to understand what was happening, and they said they couldn't access that account, that the team working on it had frozen it and wasn't working that weekend. 

I called again today, XX/XX/XXXX, and was told that despite always paying my balance in full, for over a year, Chase had reviewed my account and closed it since I did not have enough credit history, although they opened that line of credit for me when I had absolutely no credit history at all. They did not warn me, there were no emails or notices on my online account, and I had to spend half an hour on the phone just to understand what was happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
The only response this criminal and looting organized had is describe below. This looting organizer are the real face of the most corrupted financial institution in this planet. This is the company we are dealing with and lying in order to cover their criminal and fraudulent activity that must be stop permanently. The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives not allow criminal and looter organizer like Phelan Halinam to defraud people and disrespect CFPB with deceiving tactics and cover up of their criminal activity. Financial scammers institution will go to any extreme to defraud consumer. 
The Consumer Bureau advocates strongly for consumer control of the consumers data and transparency. Phelan Halinam ca lie but not with my family They will pay {$260000.00} regardless of their criminal activity and their death treats done via XXXX .This garbage will never intimidate me this will only make me storing The new Management of CFPB is to reach to state holder in order to hold more town halls meetings since CFPB intention is putting consume above financial that cheat them. Today, the Consumer Bureau is releasing a set of consumer protection principles intended to reiterate the importance of protecting consumers as the market for services using consumer-authorized financial data develops.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: AR

Complaint narrative:
Purchased a new XXXX XXXX XXXX. Ford gives discounts/rebates if financed through Ford Motor credit. I received a loan and rebate ( {$750.00} ) from Ford Motor Credit for my purchase. The selling dealer employees as well as other Ford dealers informed me that if not at least 6 payments were timely made the rebate could or would be revoked. Being as several sale staff at several different Ford dealerships made almost the very same statement I would assume, as I would guess anyone would, Ford is aware of this and is their ( possibly un-written ) policy. After my purchase financed at an I feel exorbitant interest rate I called my personal bank and secure another loan to pay the Ford loan off. ( at less than 1/2 the rate with the very same terms as from Ford ) My concerns are : 1. As I understand it Federal law states there can not be prepayment penalties for the prepayment of loans. Is Ford in effect in violation of this law as 6 months payments apparently need be made before possible loss of rebate? Ford is most certainly aware of this issue. If personal at dealerships are stating the requirement falsey to protect sales commissions, Ford no doubt is fully aware of this matter and would be in criminal violation I would assume. This exact scenario has been going on for years. 
2. The Ford employee at closing had a 8 year, 5.59 % contract before me to sign with no indication or question in me being able to negotiate interest rates or terms. Was told rate was non-negotiable and was very difficult to get the term length reduced. Is this not predatory lending of some sort? 
I feel as Ford Motor Company colluded with Ford Credit Corporation to sidestep federal laws and practice unfair credit  practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I contacted Wells Fargo Deal Services to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at Wells Fargo Dealer Services. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. Wells Fargo Dealer Services refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.

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 2018-07-09 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.

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 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My Direct Student loan was aquired by Navient. I have been paying Navient faithfully twice a month. I have been unable to receive a statement from Navient, my interest rate has increased inexplicably from 5.62 to 6.5 % in the last three months, and I have been turned down twice for loan forgiveness ( I am in my 17th year as a XXXX XXXX XXXX. ) My balanced has increased in the last 3 months despite me making 6 payments. A rep from Navient told me that my loans COULD be forgiven in 10 years if I pay them {$690.00}. I would then be done with Navient and I would pay Direct Loans {$150.00} for 10 years. After that the remaining balance would be forgiven. A different Navient rep an hour later gave me a different scenario. And 3 months ago, a Navient rep said that I didn't qualify. 

I need a more they statement from Navient tracking my payments, stating my interest rate and keeping a running balance. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I got robbed on XX/XX/2018. Thieves stoled my Kohls credit card. Called their customer service and spoke with someone who did not want to help. Emailed company on XX/XX/2018. No response. Called again on XX/XX/2018 and customer service was no help again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

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 2018-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

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 2018-07-09 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: TX

Complaint narrative:
On XX/XX/XXXX, I called Equifax at XXXX at XXXXXXXX XXXX Central Time to request that they unfreeze my account so that XXXX XXXX   could check my credit score. After I gave my personal information I was asked about 10 verification questions, such as outstanding loans, etc. After answering the questions, I was told that I failed, but that they couldn't tell me why. The person asking the questions told me that I could fax them a copy of my driver 's license and social security card and they would mail me something that would allow me to unfreeze my account. I am applying for a home loan and I can't wait days for a response from Equifax. Equifax 's data security breach in XXXX was the reason that I placed the freeze in the first place, now I have been placed in this catch 22 because of Equifax 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
XXXX XXXX XXXX does collection for XXXX medical center along with a second company hired by the hospital at XXXX XXXX out of Texas that refuses to release their true name. Both have incorrect information and have been notified repeatedly. 
In addition they are adding fraudulent charges to incorrect information. Payments are being collected by the hospital, then both XXXX and the XXXX Texas firm are trying to collect on the same items, They have been notified in writing three times with copies enclosed. None of the information is correct and I am concerned the hospital has found a method not to be held accountable or a means to complain against them directly. In addition the XXXX Texas number calls some times 10 times a day or fifty times a week.

When I ask for name they refuse and when I request current statements showing charges I am ignored and it is hurting my ability to run my business. I have XXXX debit. 
Thank you so much for looking into this for me, it is appreciated.

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 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.

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