vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
i took a mortgage out in XXXX. it was a 15 year and had 2 HELOC accounts as well. 
sometime in XXXX my finances changed and i filed for chapter XXXX bankruptcy XX/XX/XXXX. 
the chapter XXXX was dismissed in XXXX and was refiled XX/XX/XXXX. 
the mortgage was paid thru the second chapter XXXX. when chapter XXXX sent me records of the first case it showed the mortgage was paid on that one as well. i did not think it was but they have been paid all along. 
in XX/XX/XXXX the bank sent chapter XXXX a refund of {$1000.00} for over-payment. 
this was on a HELOC payment of {$170.00} per month. 
in XX/XX/XXXX the second HELOC payment of {$130.00} per month was shown as paid in full/stop payment in a letter from First Tennessee Bank to the chapter XXXX office. 
the chapter XXXX was discharged in XX/XX/XXXX and i was directed to pay the bank directly. 
XXXX i sent a check for {$480.00} to the First Tennessee as instructed by the chapter XXXX office. 
aware that this was approaching i contacted the bank through C/S and at the branch to find out how much was remaining on the payments starting in XX/XX/XXXX i spoke with about 15 different people and have no clue as to the balance on the mortgage. i emailed XXXX XXXX and they sent me back to customer service. 
it is my opinion this has been paid, but i am sending another check today. 
after all that has happened i think anyone would want to know what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: AL

Complaint narrative:
On XX/XX/2018 a netspend rep informed me that my account was eligible for the XXXX fee plan and provided a credit to my account on the XXXX that was charged. Netspend has continued to charge me a XXXX fee for XXXX and XXXX. A netspend manager acknowledged I was told the fee would be XXXX but has refused to rectify.

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 2018-05-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. 

XXXX XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XXXX XXXX XXXX and Bayview Loan Servicing is attempting to foreclose on my home with a fraudulent assignment transfer. Section 201 of the pooling and servings agreement states that all assignments and transfers had to be conveyed before the cut off date of the trust filed with the United States Securities Exchange. I contacted Bayview loan, I stressed my concerns and disputes they stopped the foreclosure sale, and told me that they would be sending a workout package, and I have not received. We made a phone to the case manager, but my calls have not been returned. I filed an affidavit of Fraud by an Expert XXXX XXXX XXXX in XXXX Superior Court XX/XX/XXXX on this fraudulent assignment that being used to conduct this foreclosure. I also revoked the power of attorney that i signed XX/XX/XXXX. I removed XXXX XXXX XXXX XXXX from having the right to signs attorney in fact for me, and everything is recorded in XXXX Co Superior Court. 
Bayview as not responded to my debt validation letter, proof claim, or my QWR This was a loan that was apart of the GLOBAL WIDE SETTLEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I always pay my bills on time. Last XX/XX/XXXX, my little-used Citigroup small business card sent me a new card and did not link it to my previous web page. I logged on like I normally did for two months and saw I had XXXX balance, not knowing that they were charging me late fees somewhere else. When I found out I immediately paid off the balance ( approx. {$100.00} ) for purchases and closed the account. I was assured that the account was closed and no further charges would accrue. I called back a week later ( XX/XX/XXXX ) and verified that the account was closed and there was XXXX balance. I then received a bill six months after I closed the account in XX/XX/XXXX saying I owed additional late fees and also an annual renewal fee. I called a third time and was told by the Citigroup phone representative that he could find no record of my supposed debt. I then got another bill in XX/XX/XXXX saying I now owed a total of {$250.00} in pure fees on a card I cut-up 7 months prior. This time ( 4th phone call waiting in the interminable phone tree ) I was told that indeed I owed {$250.00} that couldn't be discharged without total payment. I sent a complaint letter to Citigroup in XX/XX/XXXX ( copy attached ) and got back a copy of the {$250.00} bill and an 8-page Card Agreement document full of fine print. This kind of obfuscation and abuse by a massive company like Citigroup in order to squeeze unearned income from a small consumer is completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
My interest rate on my WalMart XXXX is currently at 24 %. I've had no late payments, and of my {$170.00} payment, {$120.00} of that is going to interest alone. I contacted WalMart and asked for a decreased interest rate, and was told I have a variable interest rate that is determined by the Federal Reserve. No other cards are charging me this high of interest, and the last time I checked, the Federal Reserve interest rate is 1.75 %.

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 2018-05-27 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. 

Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX   permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. 

DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Secured Credit Card was paid to XXXX   balance and closed XX/XX/XXXX. 
The card charged {$3.00} per month for paper statements. I had online statements which were free. After I paid in full and closed the card, I get a paper statement in the mail with a {$3.00} fee for paper statement. I call the card service center in XX/XX/XXXX and was told it was charged in error, they are aware of the issue and it will be resolved soon. I was told I did not need to pay the fee and my next statement would show XXXX balance. The next month I got another paper statement and was charged another {$3.00} paper statement fee. I call again in XX/XX/XXXX. Same story, It's an error, we will fix it ... blah blah. But they did have not fix it. I called a third time in XX/XX/XXXX. The call representative said she saw the call records and said she would escalate this issue. I told her I am now being reported as 30-59 days late on my credit report due to these erroneous charges. This error has affected my credit rating and is being improperly reported. All three credit bureaus now report that I have a unpaid balance now of {$24.00} and am 30-59 days late. Capital bank continues to tell me that it is their error, and they will fix it, but now its still not fixed and has adversely affected my credit rating. I have never been late on this card, paid it in full to XXXX balance last XX/XX/XXXX, closed the card and even got my security deposit back.They have promised to fix this Monthly {$3.00} statement charge error but they have not and now my credit has been adversely affected.

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 2018-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I cant get my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
Experian Consumer Credit Reporting Agency did not follow legal process and remove the erroneous reporting information within the legally prescribed timeframe of 30 days after all documented evidence of such occurrence had been served effectively. Upin information and belief, XXXX XXXX and XXXX   Consumer Credit Agencies have removed said erroneous information from said credit report.

USPS certified receipt number # XXXX  sent on XX/XX/XXXXand was received by XXXX XXXX XXXX  on XX/XX/XXXX. Since this time has elapsed no response has been sufficiently received from dispute as legally prescribed by law.

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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is saying I owe XXXX XXXX {$1600.00} when I never in my life have had a XXXX account. I have been under my moms account since 2001 under her att account and still have the same number till this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Haven't received any information regarding this debt. I've been XXXX and do not have any documents from this collection agency providing proof of my sole ownership of this debt. Documents need to be provided. According to my monthly credit score report provided by my bank, it shows a balance of {$1300.00} from Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Last XX/XX/2017 I signed up to take two classes at The University XXXX XXXX XXXX. After a month I was offered a new job in a different state and would no longer be able to complete the classes. These classes were also done at 8 week intervals. Meaning the fist class is taking for the first 8 weeks and the second class is taken for the last 8 weeks. As i signed up for the first class the tuition was not due in full until later in the session. When I was no longer able to complete the class, a representative from the university contacted me. As I told her my situation she understood and said I would be responsible for some of the tuition. I verbally told her I could not continue the classes and she said she would take care of it. The university is now expecting the full semester tuition, {$3100.00}. Once i moved, I received a letter for XXXX XXXX XXXX for collection of the debt.

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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
On XX/XX/2018 I requested validation for this debt! They sent me a contract with my DADs Signature! The apartment was never in my name just my DADs! I lived there for a week while waiting on school to start! I NEVER signed a lease with them or the original creditor!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: AZ

Complaint narrative:
I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting 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 2018-05-27 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: AZ

Complaint narrative:
I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: AZ

Complaint narrative:
I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting 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 2018-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were affected by Hurricane Irma and were in forbearance based solely on location of mortgaged property ( XXXX, Florida ) which was in a PDMDA. After the forbearance period Freedom Mortgagee must offer Rate and Term modifications at the conclusion of the forbearance period based on the criteria found in Handbook 4000.1 III.A.3.c.iv. ( C ). 

Freedom never did this. They immediately began assessing late fees and reporting a delinquency to the credit bureaus.

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