vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX  has incorrect information on my XXXX, XXXX and XXXX  credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
An old paid off account that is reporting incorrect on my XXXX and XXXX accounts from Sears/CNBA. Its over 13 years old and still showing up on my credit report. Its hurting my ability to get credit.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
When I bought a puppy from XXXX in XXXX, NY, I was told that the monthly payment would be XXXX per month. The purchase was made on XXXX XXXX, 2017. I received my first bill in XXXX. It was for XXXX. 
I spoke to debt collectors on the phone and wrote letters explaining that I could not pay the full amount. In the meantime I paid what I could. The interest kept increasing, and XXXX XXXX kept asking for more and more each month. 
Then, the phone calls every day. Repetitious phone calls. At first I answered and spoke with the debt collectors. Then, I realized that it was useless to discuss it on the phone because they demanded a large payment. 
Still the harassing calls have continued. I wish that they would cease. I want to pay on what is owed through the mail. I am sorry that the full amount won't be paid within the time that XXXX XXXX wants, but I intend to pay it in full. 
I am very happy with the dog and want to pay for her. I just can't make large payments. Now they are asking for a very large amount, which I do not have. I am a senior citizen and semi-retired. I live on a very low income. 
If you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX   credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. 


XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: CO

Complaint narrative:
To make a long story short. Since XXXX of 2018 I have been using the APP to make my payments a month in advance. On XX/XX/XXXX I made my XX/XX/XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I paid XXXX XXXX payment XX/XX/XXXX I XXXX XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment Now the issue occurs when Earnest was bought out by XXXX and decided to change their system. In late XXXX XXXX I was informed they updated their system. The new system does not allow early payments. So EARNEST decided to take my early payment I made on XX/XX/XXXX and reallocate it to my priniciple. Then on XX/XX/XXXX they charged me again for my payment. I was basically double billed in XXXX when I had a balance of {$0.00}. When I called to get the issue resolved, I was told there is nothing they can do about it. That now my loan will just be paid off a month earlier then planned. This was not the point of this payment nor did I authorize an additional payment to be made. I authorized my XX/XX/XXXX bill to be paid on XX/XX/XXXX. Which Earnest had had no problem taking my money for, but then charged me again on XX/XX/XXXX because their " New System '' Cant process that correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I used my Citi Bank issued XXXX XXXX XXXX Mastercard to purchase two airline tickets from XXXX XXXX in the amount of {$420.00} per ticket. Upon receiving my XX/XX/XXXX statement, I noticed I had been incorrectly double-charged for both tickets since there were four charges for {$420.00} instead of two. I immediately notified Citi Bank of the unauthorized charges and they opened a dispute claim for each of the disputed charges. Citi Bank also issued a conditional credit for both double charges and I went ahead and paid for the two tickets that I purchased. In XXXX of XXXX, I received a written notification from Citi Bank letting me know that one of the double charges was being officially removed and I would no longer be responsible for that charge. During that same month, I received a separate written notification that the other double charge would not be removed and I would be responsible for paying {$420.00} to cover this unauthorized charge on my account. Following that correspondance, I sent a written explanation of the double charged and requested that this charge, like the previously removed charge, be removed from my account as well. Yet another conditional credit was applied to my account during the dispute investigation. Unfortunately, the charge was re-applied to my account in XXXX of XXXX and as of XX/XX/XXXX has not been removed despite multiple efforts at a resolution via written communication, phone calls, and online chats with Citibank representatives. Citibank is now requesting payment of the {$420.00} by XX/XX/XXXX or I will be responsible for interest charges as well as a late fee of up to {$35.00}. I purchased two tickets and it is unacceptable that I am being charged for three.

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 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Last week I received 2 letters from the sheriff 's office of LA stating Two judgements put on my house My wages are gon na be garnished For a false deabt collection please you must stop this scam They fraudulently Filed lawsuit Against me without contacting me no letters no one served me they just did it out of the blue I am desolate I'm XXXX  my XXXX   XXXX XXXX, We asked them for debt validation we have not received it to this date we don't even know who these people are scammers thugs consumers need to be aware of this illegitimate companies We have no idea what this debt is at all please help us resolve this matter at once and notify the consumer of this kinds of scams

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2019-02-07 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a loan with OCWEN. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and OCWEN with no successful resolution. Only XXXX is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX  school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX  school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX   school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old.  She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is misleading consumers during credit card signup. Specifically around balance transfers. American Express has an internal limit on balance transfer amounts, but this is not disclosed in the terms of service, offer terms, or any other material during the account signup process. Additionally, American Expresses customer service line, prior to signing up for a new card, states to review the terms of service and offer terms for all requirements and restrictions related to balance transfers. Theyre mislesading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My letter at the address in New York was stolen and all personal information was stolen. Before I complained to your committee that XXXX XXXX had been resolved, I had already called the police station for help, but now the PayPal account has been stolen, I can't speak English. So I was not using it in the last XX/XX/2018 of last year. I dont know, now Paypal has called me to confirm, I know that theft is very serious! Was owed to paypal company up to {$2200.00}! Account number : XXXX  This is not my account, and this email XXXX is not my email address at all! I hope that criminals can be brought to justice! thank you very much! XXXXPayPalXXXXPayPalPayPalXXXX

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 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
HSBC - I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. 

I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. 

So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period. 

Fast forward to around the first of XX/XX/XXXX. I noticed a not on my statement that seemed to indicate I would start being charged interest on the purchase I made starting XX/XX/XXXX, the end of my intro APR.

I immediately called for clarification. I would have utilized other purchase methods for this purchase of XXXX dollars. HSBC confirmed I would be charged interest on the remaining balance starting XX/XX/XXXX. I proceeded to explain to them that I called previously and was told something different. They confirmed record of the phone call. I asked them to please pull the recording and they refused. I asked them to please find the text that backed up this latest story in the card member agreement, and, they could not. 

I am requesting that the balance remain interest free for the life of the balance, just as I was told when I called in mid -XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX with no successful resolution. Only Experian is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.

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 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a text message at XXXX PST stating that I needed to make a payment on my CITI XXXX Credit Card . I called the number on my actual credit card to find that I was late a payment. I asked if CITI had put me on paperless billing against my wishes and the answer was yes. The girl went on to explain that I had somehow signed up for paperless billing and I had not. 

CITI and other companies tries to hide paperless billing buttons on the websites. If I hit one it was not intentional. 

They charged me a {$31.00} Late Fee because I did not receive a bill and did not pay that bill on time. 

These people should be in jail.

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 2019-02-07 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a loan with SELECT PORTFOLIO SV CIN. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late  payment on my XXXX  credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and SELECT PORTFOLIO SV CIN with no successful resolution. XXXX  only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.

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