vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Loan was bought by caliber hone loans. This is a company I inquired about a loan but decided not to do business with. They bought my home loan from my bank. I have no idea how or where to pay. There is Zero customer service and its impossible to talk to a human. This is terrible. One, I demand they sell my loan elsewhere where I can at a minimum talk to a human and know how/where to even make a payment. I dislike this company so much that I might sell my home, even at a loss, to get away from. How can you buy a loan, give no information on how to pay, and have no human you can talk to. Even if this is straightened out, they no ability to talk to anyone if there is a problem or even a question

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been called Incessantly by Citi-Financial and its subsidiaries for Years ( since 2010 ), they have called my Mother, Grandmother and Step-Father and discussed amounts and debt type with them. This is unethical and Embarrassing. I have spoken to others that have had the same thing happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There is a hard inquiry on my credit report from XX/XX/2019. While we were going to use XXXX XXXX we couldn't/did n't in the end. I don't want their hard inquiry sitting on my credit report for two years since I didn't even use their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Im having an issue with Citi Bank credit card. My credit reports are reporting negative because the payment did not process for multiple months through their system correctly. I dont know what happened. 
I paid my Citibank card in full and closed the card through the phone in XX/XX/XXXX. This 1st associate confirmed with me on the phone that it was paid in full and my card and account were closed that day. 
However, on XX/XX/XXXX Citibank called me again and a 2nd associate told me that I didn't pay my card yet and that it was still open. I told her that 1 month ago, I gave the 1st associate my bank account information to process the payment in order to pay the credit card in full and to close it. I told this 2nd associate that the 1st associate confirmed with me that it was paid in full and on time. The card was then closed. I was confused but this 2nd associate telling me she couldn't do anything about fixing it or removing this processing error on their side. I was upset because this 2nd associate said it was not paid so I had to go through the payment process again. According to Citi Bank, it was finally paid in full and the card and account were closed. However, it is counting as a few late payments because the payment processing didnt work. I have attached my bank information showing XX/XX/XXXX was the last payment for this card of {$80.00}. I have also attached my credit report. The credit report doesnt make sense because it says I was late XX/XX/XXXX+ XX/XX/XXXX+ XX/XX/XXXX+XX/XX/XXXX. How can I be late? I paid this credit card off again the second time on XX/XX/XXXX? There are no payments to Citi Bank from my bank accounts over any of the those months.

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 2019-12-19 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: TX

Complaint narrative:
So once again Trans Union isn't paying any attention or just don't care, and I think its the later, I noticed on my trans Union report you have one account listed three times through XXXX XXXX as reported by XXXX XXXX XXXX, since you have proven conclusively in the past that you don't give a XXXX about someone who has suffered with XXXX it looks like we will just let my attorney along with the A.G. office in  both states along with the FTC handle this and make no mistake we are coming after you.

In addition to the above reference account we notice yet another account also listed as being reported through XXXX XXXX   for XXXX XXXX XXXX and this one is listed not once not twice but three times on your platform and let me XXXX guess, you didn't notice it right?

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 2019-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to dispute information online with Equifax. They say they needed to send me some code via mail. I have not received that code. I have tried to call and get it solved but every time I call they say their system is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I WAS IN AN ACTIVE LOAN MODIFICATION WHEN THE MORTGAGE COMPANY FORECLOSED ON MY HOUSE AND SOLD IT IN A TRUSTEE SALE. THIS IS CALLED DUAL TRACKING AND IT'S ILLEGAL.

I RECEIVED A LETTER DATED XX/XX/2019 REQUESTING ADDITIONAL DOCUMENTATION FOR THE LOAN MODIFICATION. THE LETTER STATED THAT THE INFORMATION WAS TO BE RECEIVED BY XX/XX/2019.

THE HOUSE WAS FORECLOSED IN A TRUSTEE SALE ON XX/XX/XXXX-19. I AM ALSO IN RECEIPT OF A LETTER FROM THE MORTGAGE COMPANY DATED XX/XX/2019 WHERE THEY ADMITTED TO THE ACTIVE LOAN MODIFICATION AND IT STATES THEY WERE IN THE PROCESS OF RESCINDING THE SALE.

I HAVE RECEIVED NO FURTHER COMMUNICATION FROM THE MORTGAGE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Please accept this Qualified Written Request under 1024.36, as a formal request for life of the loan : 1 ) Accounting and 2 ) Escrow Statement, for loan number XXXX. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
This company is billing me for something I have no knowledge off and I have had it removed from my credit before and they put it back on my credit profile under a different collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I signed up for an UBER Visa Card from Barklays about 2 years ago. I opened the card solely due to the attractive cash back the card offered. Recently I was notified by Barklays that the rewards would be changing, and would only be redeemable via UBER Cash. I believe this is a bait-and-switch. I would never had opened up a credit card if i knew the rewards were only good for UBER Cash. Now I am stuck with this card, and I am afraid to close it due to negative impacts on my credit score.

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

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 2019-12-19 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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX  Employer ( s ) : XXXX XXXX Phone number : ( XXXX  ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to request your help. I tried to solve this matter with Pentagon Federal CR UN in the past. Back on XX/XX/2019, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested and they have not even remarked the account as disputed. These are two serious violations to the FCRA. 

This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. Account is the following : PENTAGON FEDERAL CR UN XXXX. Date Opened XXXX XXXX Credit Limit {$500.00}. 

I am demanding a deletion letter from Pentagon Federal CR UN. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I called one of my creditors to replace a damaged credit card. Citibank, NA ( SYW ) Shop Your Way Mastercard XXXX. During that call the representative DID NOT obtain my authorization to pull my credit report. Furthermore, I've had this account open for almost 20 years. As soon as I learned of this FRAUDULENT credit report pull ( today XX/XX/19 ), I took action and called them back. They listened to the call from XX/XX/19 and agreed that my claim was valid. I do not trust Citibank to remove this inquiry from my credit report, however, bethatasitmay, I feel they should be held accountable for violating the public 's trust by illegally obtaining my credit report without my consent. This action by Citibank was completely unauthorized, fraudulent, and borderline criminal. The reason we have consent it to avoid situations like this where borrower 's scores are lowered and to no fault of their own, now have less access to credit or competitive APR 's. I'm buying a house and this has negatively impacted my interest rate! Totally unacceptable. Please help me hold Citibank accountable. Thank you in advance.

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 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pacific Collections
State: OR

Complaint narrative:
My family member owes some type of debt not sure exactly not in touch with him. This debt collector called on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX very harassing.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
When I first got the lease I signed up for autopay " recurring lease payments '' via instructions from GM Financial. I never cancelled the recurring payments so assumed they had continued like they had for the previous 2.5 years. However, I found out that in XX/XX/2019 the auto payments had stopped ( I hadn't done anything to stop them ) and XXXX XXXX lease hadn't been paid so I quickly jumped on-line and made both XXXX and XXXX payments. I then re-set up auto payments and received confirmation on XX/XX/XXXX that the recurring lease payments would continue like they had the first 2.5 years of the lease with no problems. Well then again on XX/XX/XXXX I was notified that the payment was 40 days late and the recurring lease payments I had set up according to GM Financials instructions didn't take my payment so that day I jumped on line and paid the amount that was showing outstanding. When I called GM financial they said they had made a mistake and that my credit shouldn't have been marked with a 30 day late and they would do a credit correction and to call back in 1 week to confirm. When I called back in to follow up someone on the phone said they wouldn't help me and they wouldn't correct the mistake. I have spent the last 10 years building my credit and paying my bills on time. I specifically set up autopay so that this wouldn't happen, I am extremely frustrated and feel like a victim as the immediate drop in my credit score from no fault of mine will prove to be very expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
My bank never contacted me about anything happening with my bank account. I filed that my bank information and cards were lost and they done even have verification of that. There was someone who deposited checks into my account with first citizens bank and withdrawn from it and now they are saying I have to pay back all that money when I wasnt the one who deposited any checks or anything into my account and I feel I should pay for something I didnt do. My name is XXXX XXXX and I'm with first citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Friend paid me via friends and family option in PayPal. Two transactions on XXXX in the amount of {$10000.00} each. When the funds hit PayPal account a fee ( {$290.00} for each transaction ) was charged. I immediately ( within 2 minutes ) refunded the money and called PayPal to indicate a mistake had been made. They processed both refunds and refused to refund transaction fees. They indicated a XX/XX/2019 change of terms was emailed to users indicating a terms of use change making all fees non-refundable. I never received this notice and believe this is an unfair consumer practice.

Company response to consumer: Closed with explanation