vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX of last year, my stepson XXXX XXXX asked me to download XXXX XXXX so that he could send me {$2000.00}. I did so, attaching my citibank debit card to my XXXX XXXX $ XXXX. He sent the money from his XXXX XXXX XXXX account, which appeared on my phone. However, I didn't know if the money was in my account. I called Citibank soon afterwards and informed the representative of the transfer from my stepson through XXXX XXXX, and the representative told me that there were no deposits pending and that I needed to contact XXXX XXXX. I told her I didn't know how to get in contact with them and then she then put me on hold. When she got back on the line she gave me a XXXX number to contact XXXX XXXX and that's when things went terribly wrong. Long story short, the number she gave me was not to XXXX XXXX but to scam/fraud individuals. I later found out that XXXX XXXX doesn't have landline communications. The people I thought were trying to help me get my money from my cash app to my debit card were not XXXX XXXX representatives. I've spent months calling authorities, reaching out to XXXX  XXXXthrough emails, and filing complaints. Most recently, I was informed by Manager of Consumer Services, Compliance Analysis Division ( DC ) to file a Complaint against Citibank, because had it not been for the representative giving me the wrong information, I wouldn't be in this situation, and now I know that the money would have automatically deposited into my account in two business days. Please Help. I can't afford to lose any money, let alone {$2000.00}.

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 2019-03-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Collection account, XXXX XXXX, is old and needs to be removed. This account was never mine and reported by Experian in violation of Federal laws.

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 2019-03-26 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
. I have a loan which is now settled with Opp Financial. I would like for Opp Loans to just reflect my credit report as such. Ive called in, file disputes and they keep updating my credit report as file remains, although it has a XXXX balance. As I paid on the loan amount, it never reflected in my credit report they just kept reporting it as past due {$970.00}. I really just want them to update my credit report so I can move on from this! They blame the credit bureau for the delay in reporting but the credit bureaus say they submit the info as soon as they get it. I have the letter reflecting the {$0.00} balance. I submitted to XXXX. Why do they respond that the account remains as is with {$970.00} due. Opportunity Financial, please just update my file. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After filing multiple requests ( see below ) and providing multiple receipts and proof documents ( often for the same documents ) I am now provided a check in the amount of {$120.00} ( which I am holding in lieu of final settlement ) against a total claim of {$380.00}. No explanation has been provided by Card Benefit Services as to how the check amount was arrived at nor which amounts of the claim have been denied, if any, nor the reasons for any denial. 
Earlier CFPB complaint filings : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank didnt pay the homeowners insurance policy in XX/XX/XXXX and I was canceled from my homeowners insurance policy. I was never notified that I didnt have coverage and now its impossible for me to find coverage because there is a four month lapse. My homeowners insurance is escrowed into my account. Now its XX/XX/XXXX and they continue to collect escrow even after they didnt pay the policy. Ive tried calling Flagstar about this on several occasions and no one is getting back to me. Ive left messages every time to get this issue resolved.

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 2019-03-26 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA- Compass bank offered a secured credit card and i deposited XXXX into a savings account only making XXXX available to the card. However i kept the card for almost 2 years never missing a payment and then out of nowhere i tried to login to my account and discovered the card had been closed. Left on auto pay to still take payments from my bank without me being able to stop it and or charging me interest on a account i did not opt or receive notice that it was being closed or why with perfect payment history and its my money!!! long story short the account has been closed since last year i don't want this auto draft i just want a check of my money owed to me period point blank. The account has been closed without my notice send me my money and end this business because i never did business with anyone as such and still bill me and its secured by my funds. Doesn't make sense at all to do this. I want a refund of my available credit and close it out completely there has been no activity since last year because we bought our home so spending on cards were out. you can't charge me for a account i put money on and you all closed and still have it on auto pay and collecting interest what a scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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 have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

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 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: SC

Complaint narrative:
In the beginning of XXXX and XXXX I sent two certified letters disputing this account. The first one I didnt get a response to. However, on the second one I received mail from the company stating that they validated the debit and enclosed I could find a copy of the contract that I signed. The contract didnt belong to me it actually had someone else name on it a man who didnt even live in my city and town. This has caused me to be turned down from trying to purchase a home Ive disputed this account since the beginning Ive sent letters to them and the credit bureau for them to remove this from my credit file and they wont this is unfair and should be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I began noticing tech schemes with internet access which carried over to the banking account by transfer managers of micro-management February 4th-5th, 2019 concerning e-billing. It's happen before in 2018, so I got very suspicious of the act because it involved a banker releasing private information. I was notified that I was possibly affected once before by the Suntrust Bank Team, but  never compensated for it and they just covered it up. This time they authorized a payment I didn't authorize and it was in dispute with a the corporation. Provided that terrorism, corruption cases, money making schemes, environmental health & safety could be at risk I asked Suntrust not to get involved with the payment process. Suntrust fraud team member XXXX agreed it was not to processed, I should not concern myself about it as long as I didn't authorize the transaction. They paid the over charges from the account causing the account to overdraft and now they expect me to cover the cost of something they did without my permission before inquiring of the bill. That's not how e-bill suppose to operate. I'm currently in the process of stopping the payment they caused, and it's in XXXX going on XXXX. Which will cause over drafting for the following month.

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 2019-03-26 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: TX

Complaint narrative:
I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was XXXX from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a letter served to my residence by our local sheriff department on behalf of Midland Funding,  LLC ( a debt buyer company ) that received a credit card debt from XXXX XXXX XXXX. I attempted to repay after having a hardship ( XXXX XXXX XXXX ) ..when I was able to pay I called to pay off card. I asked when my available credit would be available after payment I was told the card had been closed. I was not notified at that time and immediately after then I began hearing from debt collectors. Now I have received a letter to come to court. I don't have proof of my phone call with the company but how can i combat this. This debt has been sold off and now the other company is coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I checked my credit and saw the Navy federal balance of {$580.00} that's reporting negative from a credit building card to help me since i'm a young student. I would like to pay the balance and reopen the account. I was facing student hardship and was in between jobs. I am young and trying to be a responsible spender but its hard when you have limited job skills because college doesn't teach you skills to get a job you a job during and/or after ; it keeps you unemployed more often than not. In trying to better myself by attending college while i was barely making do, I had to miss meals as well to make sure my light bill and rent was paid, resulting in being delinquent on my credit card. However, I have since gotten a new job with better pay. I want to right my wrongs, and i would like Navy Federal to reconsider and understand. Im sure everyone who is in a deciding position remembers being the hungry student in college trying to make do with your PT job and financial aide. If i don't take care of this now, it will affect me negatively for years and i won't be able to get a job within my major, which was Finance. You can not have bad credit when trying to work in a banking environment. Im also currently enrolled to get my XXXX XXXX XXXX so that i can advance into XXXX 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 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I was supposed to come in and make my payment on XX/XX/XXXX. I did forget to make the payment. Tower loan proceeded to pull a skip tracing report on me and contacted my biological mother whom I have not spoken to in 30 plus years ( she abandoned me when I was XXXX ) This was followed up by the biological mother locating me and contacting me via XXXX. The distress this caused me was uncalled for, the company did not contact my cell phone only my work phone ( I was gone for the day ). I called the company and spoke with XXXX. XXXX admitted she did make the call. I asked why did she not call my cell phone ( no missed calls or voice messages ) She did not have an answer to this but only stated " She was doing her job ''

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 2019-03-26 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have two account with Navient. One was charged off to NAVIENT  XXXX XXXX XXXX private loan. The charged off account has been in repayment for four years making monthly payments and not missing any. I was told by Navient I had to pay a lump sum ( XXXX $ ) to have my co-signer removed from my charged off account. My co-signer is still on my account. My payments were applied to accounts wrongfully and when addressed Navient applied payments but the interest rate for my charged off account was very high. My XXXX report states failed to pay for the past two years. Navient was contacted several times regarding credit reporting and has yet to address it. My credit score is significantly affected by Navient 's false credit reporting. I have documents that support me making consecutive payments on time for several years. The school my loans were from has closed. The loans are from 2005, I have been making payments and my loan amount is still showing I owe more original balance {$6500.00}, showing I still owe {$11000.00}. The practices that Navient uses is unethical. Please help me resolve this as this is affected my credit score. I have called Navient and asked them to resolve this multiple times and was told I have to write to Navient directly which I did. I have not received any additional information regarding the credit reporting. NAVIENT  XXXX XXXX XXXX only corresponds in writing not over the phone. Please help me resolve this as I mentioned this is unethical. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Funds were removed from my account at time of purchase from merchants, but the balance in my account fluctuates as they are posted. On XX/XX/XXXX at XXXX I made a deposit into my Chase checking account successfully bringing it out of overdraft. That same day around XXXX I discover that new transactions have been posted, pushing my checking account back into negative and I now have a {$34.00} overdraft fee.When I called Chase and spoke to a manager he told me that the funds could be reversed at a branch if I had a screenshot on my phone of my account being positive at XXXX on XX/XX/XXXX, which I do not have. This was a bank error, I need this overdraft fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3.  Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX a notice of wage withholding executed by Weltman Weinberg & Reis Co LPA, received by XXXX XXXX related to a judgment obtained by XXXX XXXX XXXX # XXXX issued XX/XX/XXXX. The judgment and writ of garnishment were obtained and executed using my social security number ; address and place of employment along with another individuals name. On XX/XX/XXXX, I brought this to the attention of XXXX ( XXXX ), with XXXX XXXX XXXX 's Attorney 's office DBA Weltman Weinberg & Reis Co LPA and she instructed me to submit an FTC Affidavit, with my proof of ID to her legal department C/O XXXX XXXX direct fax of XXXX for XXXX to correct and remove my personal information from their files, judgment and release the garnishment. I faxed the requested information on XX/XX/XXXX and received confirmation of the completed fax. Since that date I've contacted and left messages for both XXXX and XXXX four times without a response back. 

I want the attorney firm that obtained the Judgment and filed the writ of garnishment to produce their proof of due diligence to properly verify the debtor, related social security number, place of residence and place of employment identified and used for obtaining the judgment and writ of garnishment. I want verification of the receipt of my fax proper handling and release of the writ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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 reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2019 I checked my Synchrony Bank Walmart Credit Card balance, with a limit of {$1400.00}, I had only recently used around {$200.00} for a balance of {$600.00}. On XX/XX/2019 I go into schedule to pay what I had recently used and my credit limit was dropped to {$830.00}! I have not been late once, had no notice on the reason why I my limit was dropped and when I inquired on to the reason they could only say I had been late on 3 payments in the previous year! I have not been late once! I pay constantly during the month and whenever I make a purchase I immediately make a payment to avoid finance charges!! Not only did this hurt my credit in lowering my available credit, but also my utilization which was at 20 % has been jumped to 60 %!!! When I went to purchase a vehicle this weekend, due to this blatant attempt by Synchrony Bank to ruin my credit reputation, my interest rate is much higher than need be. I wish to have my previous credit limit restored and pay this card off and say good riddance to such a fraudulent credit company. Seeing others reviews on this bank lets me know I am not alone in this fight against Synchrony.

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