vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.

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 2017-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
I have had issues with Fedloan Servicing since they 've taken over my loans. The company is hard to deal with on a general basis, its more of a chance of getting someone who knows what they 're doing and cares about their job. 

They give inconsistent information for the XXXX XXXX XXXX XXXX program. I 've had trouble certifying my income based repayment plan 3 years in a row, each time they 've incorrectly closed my application saying I did n't send in enough information. All three times they received the information that they requested and needed to render a decision. Two years ago I had issues with it and had to have my bank stop payment to them due to their errors and my payment going way up. 

I worked with them for 3 years on the income based repayment plan and the XXXX program before one of their employees told me that the bulk of my loans did n't qualify. So the bulk of my loans had no qualifying payments, three years of lost payments for forgiveness. I feel like I receive subpar customer service and they have no incentive to provide better service because they 're locked in with the government to administer student loans and the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.

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 2017-11-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STONEGATE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Complaint # XXXX Questions : 1. When did XXXX XXXX first pull XXXX XXXX credit report? What was XXXX comments on her credit score? Did XXXX XXXX tell XXXX XXXX to inform XXXX that her credit is not good enough and there is a possibility that she might not get the interest rate she wants or worse she might not get a home loan? 
2. What was XXXX XXXX FICO score the first time XXXX XXXX ran her credit report? 
3. Did XXXX XXXX provide a copy of XXXX credit report to XXXX XXXX to give to XXXX? 
4. Did XXXX XXXX receive any relevant information regarding the townhouse in XXXX, California from XXXX XXXX? If so when? 
5. Did XXXX XXXX provide any loan and/or mortgage disclosures to XXXX XXXX to give to XXXX XXXX? If so, what are they? 
6. Can you ask Stonegate to get copies of XXXX and XXXX XXXX email communication relating to the home loan application of XXXX XXXX? 
7. Are there any disclosures that XXXX XXXX should have provided to my sister prior to writing the pre-approval letter? 
8. Can you ask Stonegate to provide a copy of their SOP in pre-approving a borrower in XX/XX/XXXX? 
9. Attached herewith is a copy of XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. Can you confirm from XXXX XXXX if he wrote the attached information, emailed it to XXXX XXXX and asked XXXX XXXX to discuss it with XXXX XXXX? 
10. XXXX XXXX convinced my other sister XXXX XXXX XXXX XXXX XXXX and her husband to apply for a home loan through with Stonegate Mortgage as well. XXXX XXXX and her husbands pre-approval letter is dated XX/XX/XXXX. XXXX XXXX and her husband submitted their financial documentation to Stonegate weeks after XXXX provided hers to XXXX XXXX. But XXXX pre-approval letter has a date of XX/XX/XXXX. Thats a week later than XXXX XXXX pre-approval letter. I also noticed that the font used in XXXX pre-approval is different from XXXX. This makes me suspect that XXXX XXXX forged XXXX pre-approva letter. XXXX told the truth when he spoke with XXXX XXXX around the last week of XX/XX/XXXX. XXXX said I never gave you a pre-approval letter. But he changed his statement after XXXX asked him for a written statement. Why is XXXX protecting XXXX XXXX? Did he receive money from XXXX XXXX? Did XXXX XXXX bribe XXXX? Did XXXX go along with XXXX XXXX dishonest plan because of fear that XXXX XXXX will not refer XXXX XXXX XXXX XXXX and her husband for a home loan application? 
11. XXXX XXXX told XXXX that her loan was not approved. Where is the letter from Stonegate dated XX/XX/XXXX that says XXXX credit is so poor that her loan was not approved?

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 2017-11-22 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: VA

Complaint narrative:
XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.

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 2017-11-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: NY

Complaint narrative:
Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and immediately.

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 2017-11-22 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: WV

Complaint narrative:
My complaint is geared towards the benefits of the CARD act of 2009. The card act states that the card company must apply payment towards highest APR for any promotional balances on your card except in the ending 2-3 billing cycles for a lower APR. 
CITI bank credit card FAQ reflects this information and even references the CARD act in multiple locations on their website. 

Here is my problem. I had an introductory balance transfer at 0 % for 18months. around 12 months into it i did a balance transfer at 1.99 %. For the last 6 months of the 0 % very little of my payments went toward my 0 % balance. I expected payments made during the last 2 or 3 billing cycles to be applied to the balance so i paid accordingly to get my 0 % balance to {$0.00} so as to not have a balance that rolled over to 15.99 %. This was not the case and the majority of those last 2-3 payments went toward the higher APR balance. 

CITI told me that only the payments made after the balance has been rolled into the 15.99 % will be credited toward the lower APR ( basically it would be impossible to pay off any substantial amount before 0 $ promo ended ).

I mailed a letter and payments, statements, and screenshots from their website indicating such information to CITI and I received a letter back stating that they only apply payments to the higher interest rate. WHICH IS WRONG!!!! 

After the final bill came out with the 0 % balance switching over i paid the balance and it still was not reflected on the proper balance so i ended up getting a few hundred dollar balance with interest acruing on it. 

I asked for an extended period of 2 or 3 months to make additional payments against at 0 % since they did not honor the CARD act properly. I was given no such option.

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 2017-11-22 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 been a victim of fraud I have called Experian serval times in a year the refuse to remove information thats not mines. There is 17 inquiries on my credit report that are unauthorized they keep giving me the run around to call the companies that ran it which I have done and they tell me to call Experian.There are also 2 collection account I do not recognize they will not provide me with verifiable information that they belong to me. I have 3 accounts thats providing incorrect information From XXXX XXXX, XXXX XXXX which where paid on time. I have a credit card that is not reporting I have asked them several times I can not get a strait answer .I hope this can be resolved its hurting my opportunities to open new credit lines and employment. 

Inquiries XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE- XXXX, XXXX, XXXX XXXX XXXX XXXX  DATE- XXXX XXXX XXXX XXXX DATE- XXXX XXXX XXXX XXXX DATE - XXXX XXXX XXXX XXXX  DATE- XXXX XXXX DATE XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX DATE XXXX, XXXX, XXXX XXXX XXXX XXXX AMOUNT {$720.00} XXXX XXXX XXXX AMOUNT {$590.00} XXXX XXXX LATE XXXX XXXX XXXX DATES XXXX XXXX XXXX DATE XXXX Credit card not reporting -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 explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, XXXX : XXXX. My account number was XXXX. On XXXX XXXX, XXXX I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to close my account. I decided to get the amount in cash since it was not a lot of money. I had exactly XXXX on my account and I got XXXX in cash. I am attaching the copy of the withdrawal where you can see the amount stated as above. 

I got notified on in XXXX that they were trying to collect XXXX XXXX I went to the location in XXXX XXXX and tried to understand what was going on. I was told by the interim manager of the branch that the lady at the counter who attended us made a mistake and entered {$5700.00} instead of {$5100.00} on the computer system which implied that I she had given me XXXX extra. 

After talking to her for a while she mentioned that the branch officer confused the 1 with the 7. As you can see on the check where there is a 1 and a 7 those have a totally different pattern so that is hard to believe. I told her that I still have the amount in cash ( since I simply left it in the envelope and left it home in a drawer ) and the amount was {$5100.00}. I do n't not know where those XXXX $ went but I just do n't have them. If I had them trust me I would be returning them because of all the hassle this is creating. 

On XXXX XXXX I received a letter saying that I owed {$600.00}. Following the advice of my lawyer I send out a letter that I am attaching where I expose the violation of the Fair Debt Collection Practices Act. The bank tried to accrue fees/interest beyond what it is allowed. 

I just hope this situation will be solved soon because I do n't believe I did anything wrong. I am not the person who took those {$600.00} and therefor I do not owe that amount. 

Please remove the unjustified debt from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: CORELOGIC INC
State: WI

Complaint narrative:
We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.

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 2017-11-22 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: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
XXXX XXXX Loans incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with Caliber as well as with XXXX. On XX/XX/XXXX at XXXX XXXX, we received a message from a Caliber representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from Caliber regarding the correction. We 've talked many, many times with several Caliber representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.

Company response to consumer: Closed with explanation