vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank unlocked my account after I filed previous complain # XXXX, however I never receive a new debit card as they promised. For safety concern, I began to use the money in account by check. And I noticed they charged me service fee from XX/XX/XXXX for $ XXXX ( total {$36.00} ).  Since I don't have the debit card, I can't do anything to the account by myself. Then, I called the customer service to help me close account at around XX/XX/XXXX. They agreed to waive the other {$12.00} service fee on my account to close the account at that time. But when I called to confirm today, they told me I have to login in to my online account to verify some information before close the account. And there is a - {$34.00} balance on my account. I wonder how I can log in to my account, if you fail to mail me my debit card.

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 2019-09-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-09-24 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: NC

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-24 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: MN

Complaint narrative:
Today, XX/XX/19, I received a statement from Stearns Lending. This statement said that I owe {$1800.00} because I did not pay last month ( XXXX ) ( XXXX XXXX ). However prior to this I received a statement of transfer effective XX/XX/19. So does this mean that Stearns has reported me to be 30 days late? Will they again? How is any of this possible? I am not late, not even by a day. I am paying my mortgage payments to the company that is servicing my loan. To be very very clear, I am not happy about receiving statements from Stearns after my loan had already been transferred to another company. This is against FCRA and UDAAP regulations. Is this happening on my 2nd mortgage also???

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 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I started full sail in XXXX through XXXX, I had to take a medical leave to go to a rehab. I sent in a notice as per their policy to let them know I needed a medical leave from school so I can get the medical help I needed, I wrote a letter to them. They never informed me, but when I got out of the rehab I was in my status of loans was kicked in already because they withdrew me from my classes without even telling me, so that's how this all started. Then over the years I called them numerous times to explain my loans should have never been kicked in because I was on a medical leave and was supposed to be able to start my classes again after I got out of rehab and they refused to help me what so ever. Now the loans are with navient and XXXX the top 2 deceptive loan servicers, just the other day I called navient to try to reenter into a income driven repayment plan but the agent I spoke with steered me into a forbearance threatening that if I didn't do that late payments would be reported to my credit file which is all messed up already with being victim to XXXX, XXXX and XXXX XXXX breaches, I'm working with a credit restoration company to try to fix my credit file because me and my fiance are trying to get a home for our family. I'm not sure of the amounts but I know from looking at my credit report that the interest on my loans is the only thing being added to my loans, because every month the interest being capitalized on my loans goes up by the thousands and is hurting my scores in the process, now that after the last agent I spoke with who tricked me into a forbearance looking back on that call they never told me about any other options and never told me that I'd be having payments I cant afford or that they would be reporting negatively to the credit beauraus so what they did was unethical and irresponsible I just want what's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/2019 Dear Sir or Madam : I have attempted to make several payments, 21 of them and not until the 22nd payment it went through. There was an error in my account number so the payments kept getting declined but unaware of because I was in the process of moving addresses. The card company only attempted to contact me twice and one of the calls was to see a payment in which I made. If I have known the account number was incorrect I wouldve resolved it immediately since my credit score was good before the charge backs. These 21 attempts are what put my credit score to a major decrease. I would always make a payment a week before due date or on time for the card. My latest payment paid the card entirely because I didnt want to deal with the card again. When I made the payment via phone call the employee never informed me the account number was wrong nor did the website it stated my bank. I had months in which I ways making payments unknowingly having them declined because of an error not stated with the website nor the employees. I would like these payments to be dismissed or decreased if possible. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. 

My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. 

I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. 

I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. 

On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. 

My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. 

On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). 

My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. 

I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.

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 2019-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
They put a late on my credit for my car that the payment for XX/XX/19 that was paid in full before the payment was due. They also had auto payment setup on account anyway never should have been late because if there was an amount past due they should have auto taking the ACH. I am trying to close on my home and this is an issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2019, NCC Business Services charged my account {$440.00}. I did not authorize this, nor have I ever had an account with them. I called to speak with them today, they informed me there was no way to look up the charge since they were unable to locate an account in my name & then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WellsFargo has been charging my business account XXXX XXXX   monthly since XX/XX/2019 for writing checks to employees. They have also stated they sent a code changing device key chain so I may utilize the codes to login and write checks. I called Wellsfargo several times to resolve. I would like all the fees removed since I have never signed up or utilized the service. Wellsfargo claims their employee XXXX XXXX set up this service. I have never signed up for this service. I would like to have the charges removed.

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit. The account number is XXXX and the Amount is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NJ

Complaint narrative:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was trying to transfer money to XXXX for my closing on my new house and the rest outside of the {$2000.00} I wanted to keep in Chase to my High Yield Savings account through a different bank due to the government recouping my VA Compensation and Pension once they charge me for the days I was on active duty throughout the backpay. Chase froze my accounts then shut them down with no notice today XXXX XX/XX/2019. When I tried discussing it with them, they refused to. 

I guess they don't want continued business, but it's okay I'll continue with my longtime bank that holds my regular check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I owned my CapitalOne credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed CapitalOne and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when capital one stopped reporting on XXXX XXXX ). 

Problem : In XX/XX/XXXX I have been informed on XXXX that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on XXXX, I have found that CapitalOne payment was reported from XXXX, and also myXXXX XXXX card reported ( only on XXXX ) debt over my credit limit. However, my financial aid ( latest  from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The XXXX website mentioned that thay have pulled the information from XXXX  credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX and XXXX where everything was also correct. 

To sum up, everything was completely correct, beside XXXX XXXX report of my Capital One account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to CapitalOne, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called Capital One. I have called them 3 times more to Capital One. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact Capital One again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent certified mail to National Credit Systems on XX/XX/2019 to send proof of this debt and where was it acquired from what was the original amount, proof of my signature, etc. They have yet to provide to me any of the information I have asked and our now in violation of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The Capital One credit card was set up as a paperless account. As such, Capital One was required to notify me by email if there were any past due amounts and they NEVER NOTIFIED ME OF ANYTHING. THEY DID HOWEVER NOTIFY THE CREDIT BRUEAUS OF A LATE PAYMENT, AND AS A RESULT, MY NEARLY PERFECT CREDIT SCORE OF 10+ YEARS HAS DROPPED 100 POINTS!! 
How can they do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting  documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts for two pay day loans of {$660.00} and {$1200.00} on XX/XX/2013. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have auto pay. The charge card company pulled my payment, it posted to my charge card, and then the charge card company pulled it back out, but did not put it back to my checking either. My payment is lost and in 6 weeks of contacting them, nothing has been done. I owe the full amount again. Sams Club Credit just does not seem to care.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Cash Express, LLC
State: TN

Complaint narrative:
Cash Express withdrew {$1400.00} after my direct deposit had gone through on XX/XX/2019. I called the District Manager,  XXXX who said that there was an overpayment on XX/XX/2019. I told her I was not aware and I called the company and tried to setup an arrangement but they would not give me the {$1400.00} back. I didn't ask for the {$1400.00} to be deposited in error. I couldn't get a refund from XXXX XXXX XXXX or any of the other creditors that took the {$1400.00} when it was applied. I didn't give permission for any money to be taken from my pay card account. There were no calls stating the money was deposited in error or that there was anything owed to Cash Express. There were no letters sent fromXX/XX/2019-XX/XX/2019 to the address on record.

Company response to consumer: Closed with explanation