vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.

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 2017-06-11 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: AES/PHEAA
State: CA

Complaint narrative:
In   XX/XX/XXXX , it is  alleged b y Fedloan that I m ade a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after Fedloan reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  Fedloan sent  me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one che ck. When I paid the loan off in full in   XX/XX/XXXX  , I made  one paym ent with  one check to satisfy the remainder of the loan. I made one late payment, it should be reported as such. A prospective employer, landlo rd, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contac ting Fedloan and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a hom e has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year  XX/XX/XXXX . I 've been told by landlords my  credit score is too low . When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimina l investigator w ith some organization. I was so excited that someone might be investigating criminal charges again st Fedloan, I   told all my friend s. One said be  careful, figure out who is contacting you. I googled it and found this organization is actuall y Fedloan! Why would Fedloan send a CRIMINAL investigator to contact me without saying they are from Fedloan? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This is far from closed Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: NM

Complaint narrative:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban  kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the  XXXX ,  XXXX , and Transunion asking for documentation of validation associated with the bankruptcy.
To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that   the bankruptcy is in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CO

Complaint narrative:
in order to refinance our VA loan with  XXXX   XXXX   XXXX   XXXX , we took the equity in our house and   XXXX   directly paid off our outstanding balance to Discover Bank. They have taken the money back in  XXXX ,  XXXX  or  XXXX  and still report the debt as outstanding and have consistently failed to clear the account with the  XXXX   XXXX   XXXX   XXXX . I have contacted the court and they can take no action until Discover Bank officially reports the debt paid in full. I feel that Discover Bank is purposely delaying legal reporting in retribution to actions I have taken against them and feel that they need to be held accountable for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified consultant is attempting to collect on a debt that was disputed and closed with another company. I 've already filed a claim against this company. The company agreed to delete the collection from all three collections agencies. The company deleted account BUT ADDED it back a few days later for a higher amount.. I do dnt owe Diversified consultant anything the accounts that they are trying to get money on was DISPUTED AND CLOSED.. Diversified consultant and NOT SHOW ME VALIDATIONS OF THE ACCOUNTS.. Diversified consultant bought this old disputed and closed account.
I have not signed anything with this collection company. Diversified h
ave 2 accounts with amounts of {$200.00} and {$290.00}.
Diversified also stated in the claim and letter that they will delete the account from all 3 credit bureaus .. 
I will file a complaint with the BBB asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: GA

Complaint narrative:
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
National Recoveries Inc. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX US Dept of Education National Pmnt Center XXXX XXXX XXXX XXXX GA XXXX XXXX 2017 Without notice, written, verbal, or otherwise my pay from my job way immediately garnished for $ XXXX each payday every two weeks ( minimum of {$310.00} per month ). I have sent two notarized affidavits to both entities citing FDCPA violations, CA state civil code and consumer protection laws violations, requests for original contract verification for proof of claim/debt. Requests/affidavits were sent certified return receipt mail with proof of delivery etc. Absolutely no response received back for two months now. They have violated FDCPA and CA civil code/statutes in multiple ways and have not proven contract/proof of claim. Very financially hard to be experiencing this unlawful experience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid w ith one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late  payment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX .  I 've been told by landlords my   credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?
<P/>
Update : I got an email from a criminal investigato   r with so me organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my frie nds. One said be careful, figure out who is contacting you. I  XXXX  it and found this organization i s actually  XXXX ! Why would  XXXX  send a CRIMI NAL investigator to cont act me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! T his is far from closed  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure   XXXX   pays for their lies all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX / bridgecrest is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure bridgecrest pays for their lies all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have an account with XXXX XXXX and they help me a lot..I have to give them my online banking login and stuff and my bank is supposed to send them my bank statements frequently however my bank has been slacking drastically..I need my bank to start sending XXXX XXXX my bank statements more often ... ..

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