vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Caliber Mortgage took over  my mortgage from  XXXX  in  XX/XX/XXXX . In  XX/XX/XXXX , I received a   XXXX   XXXX   form for {$5000.00}. Note : from  XXXX . I had no association with  Caliber in   XXXX , nor did I ever work for them. Coincidentally, their form  XXXX  misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from  my county tax co llector.  <P/> However, the  XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received.  <P/> I have called them numerous times, and faxed over the form  three times ( as they " do not see it in their system '' ). I have received numerous responses when I call  ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
I SEE that a collection for : SKAGIT BONDED COLLECTION   XXXX   XXXX   XXXX     XXXX   XXXX  , WA  XXXX  Appears on my report.
<P/>
I DO NOT HAVE ANY CONTRACT with SBC as they have not ORIGINAL WET INK SIGNATURE WITH ME.
<P/>
You have successfully helped me on past issues like this whereby the collection company has REMOVED the collection.
<P/>
They have not contacted me either by mail or phone and I have no contract with them proving I OWE THEM ANYTHING.
<P/>
THEY ARE NOT the CREDITOR,   XXXX   XXXX   XXXX   IS and since they BOUGHT the DEBT, that 's THEIR PROBLEM, NOT MINE.
<P/>
THE CFPB has set precedent in my case, three times, in past requests, where they FORCED a COLLECTION AGENCY to remove their INTRUSION on my credit report with FALSE information.
<P/>
HAVE THEM PROVE they have an ORIGINAL WET INK signature of mine and I 'll pay them. The WET INK SIGNATURE MUST BE ON THEIR LETTERHEAD stating I OWE THEM the stated AMOUNT and for what reason. I OWE THEM NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On   XXXX   XXXX   XXXX     I contacted Bank of America to try to reach a resolution with an account that I allegedly owe. I did not to admit to any debt owed and asked the representative what options are available for this unowned debt to be removed. The representative proceeded to tell me that this is her last call of the day so we needed to resolve the issue immediately. The more I explained, she let me know that she would have to connect me to a collection department. When I was transferred to a collection department, the rep informed that no pay to delete options could be made with bank of America because, " When your account is charged off, we get discounts with the FDIC and the account does n't effect us anymore. '' He proceeded to refer me to  XXXX   XXXX   XXXX  and said that I would have to talk to them to resolve this issue and work to have my credit updated. After contacting this company, they did not even attempt to pull up any account or verify any amount owed and yet demanded a payment of {$2000.00} for removal of account. I would not proceed with any transaction and was informed that Bank of America and  XXXX   XXXX   XXXX  can sue me for refusing to pay 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 2017-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
Loan in  XXXX  - 14 days late and due to my wife being in the hospital and having only  XXXX  income for  XXXX  children. I (  XXXX   XXXX   XXXX   ) informed manager (   XXXX   ) on Tuesday (   XXXX / XXXX /   17  ) I will promise to get payment in by Frid ay (   XXXX / XXXX /   17  ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e (   XXXX   XXXX   XXXX   ).  I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
<P/>
Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
<P/>
I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   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 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
On   XXXX   XXXX   XXXX     I wrote a request for account validation  to Nemo 's Inves tigations And Collections. What they sent back on   XXXX   XXXX   XXXX     was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in  black in k its unreadable. I do not want them to contact me or report false debt to the  XXXX  credit bureau 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days.  Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way?
I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I completed the TransUnion Disclosure Request Form, filling out each line request : Name, SSN, Current Address, Previous Address, Other Names Used, Date of Birth, Then under the Proof of Current Address I sent copies of : Driver 's License & current Utility Bill, Then under Proof of Social Security Number I sent a copy of : Social Security Card, Then under Proof of Date of Birth I sent a copy of : California Birth Certificate. I copied each of these for my records, sent the envelope Certified Mail Return Receipt Requested. On XXXX XXXX, 2017 I received a return letter with the following statement : Re : Proof of Address Unacceptable - Reason # 3 = One or more of the documents provided was not a qualifying document. I have re-evaluated all the copies of the documents that were submitted and all fulfill the requirements as requested. I feel that I feel that this Credit Reporting Agency is not providing me with my request for a free annual report due to the fact that the company is requiring to get a payment before the company will sent the report and is in violation of the Fair Credit Reporting Act.

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
Our loan is currently being serviced by   Seterus.
<P/>  Recently our account was locked out from logging in online.  <P/> We have tried resetting it, we have called and the people on the phone do not have the ability to unlock accounts.  <P/> The website is unreliable and from the representative 's own words " sometimes works and sometimes does n't work '' We have been charged a late fee already

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc
State: UT

Complaint narrative:
On  XXXX   XXXX ,  XXXX  -  Best Service Company pla ced a derogatory on behalf on  XXXX   XXXX   XXXX   XXXX , my previous bank despite being placed into in the Chapter  XXXX  bankruptcy that was filed in  XXXX  and discharged in early  XXXX .  XXXX   XXXX   XXXX   XXXX  an d Best Service  has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, 2016 in the XXXX County of Deeds, CIT Bank, f/k/a Onewest Bank, N.A. duly recorded a Deed on Lieu of foreclosure ( document number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ( " XXXX XXXX '' ). XXXX XXXX  property Identification Number ( " PIN '' ) is XXXX I only conveyed XXXX XXXX to CIT. However, a closer look at the legal description attached as " Exhibit A '' to the Deed indicates that the PIN XXXX, belonging to the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX ( " XXXX XXXX '' ) was included. <P/>The property with the PIN ending in XXXX was retained by me and is encumbered by a Mortgage with XXXX XXXX XXXX, which I pay monthly. CIT 's error has caused the land ending in PIN XXXX to be sold and conveyed to other entitles, which are not entitled to have the property. I 've made a formal demand for CIT Bank to correct the deed in the XXXX County Recorder of Deeds office, they refuses to make the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I went online to make my payment and decided to check the capitalized interest. How in the  XXXX  is Navient able to charge so much  XXXX  interest I HATE this company, they come from  XXXX . They are not even trying to help students pay off their student loans. On  XXXX / XXXX / XXXX , {$250.00} in capitalized interest was added to my balance. Then on  XXXX / XXXX / XXXX , {$890.00} was added to my balance. These people are absolutely horrible. Another problem, why the  XXXX  do they have to have your bank information. There should be options, I do n't like making payments with my bank information. I want my account reviewed and I want the  XXXX  interest reduced! This whole student loan industry is created on thievery!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: GA

Complaint narrative:
On or around  XXXX   XXXX  I purchased a new  XXXX   XXXX   XXXX  and financed through   XXXX   XXXX   XXXX   XXXX   XXXX     now known as On the  XXXX   XXXX   XXXX . Due to medical issues and multiple  XXXX  I fail behind on my car loan and the vehicle was repoed in  XXXX  of  XXXX . I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time    XXXX   XXXX   XXXX   XXXX   XXXX    aka   XXXX   XXXX   XXXX   XXXX     has continued to report to all  XXXX  credit bureaus that my loan is currently  XXXX  days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both   XXXX   and Transuion for the pass  XXXX  months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past  XXXX  and  XXXX  months to be exact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: GA

Complaint narrative:
On or around XX/XX/XXXX I purchased a new XXXX XXXX XXXX and financed through XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX. Due to medical issues and multiple XXXX I fail behind on my car loan and the vehicle was repoed in XX/XX/XXXX. I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX has continued to report to all 3 credit bureaus that my loan is currently 120-180 days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both Equifax and XXXX for the pass 6 months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past year and six months to be exact.

Company response to consumer: Closed with explanation