vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Often by mail and phone when searching for work. {$1200.00}. Said i could not pay anything at this time due to financial reasons. I will when i can. To be settled with time. Wanted to know what else could be on my credit unsettled : mortgage, credit cards, medical and XXXX XXXX. 

Consolidate. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ON XX/XX/2018 I mailed in a request for investigation to EQUIFAX regarding the collection account XXXX XXXX account XXXX.My dispute centered on that I had emergency XXXX   coverage for the service provided by the original creditor.The response is as attached.The fraudster creditor with EQUIFAX HELP have attempted to steal more and damage a low income person.XXXX XXXX has changed the account number, upped their fee, changed a few dates and created a second account from the first one, leaving both wrongfully appearing on the credit report while ignoring my dispute ... it has only been ten days today since the dispute was mailed to Equifax, so it appears no research was done only compounding the wrongful damages to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.

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 2018-03-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for the Citi premier personal credit card XX/XX/XXXX with a link that " earn 50,000 bonus thank you points after {$4000.00} spend within 3 month of account opening. 
I spent more than {$4000.00} in two month and have waited. 
After 3 month still no bonus appeared on my account, so got a chat with Citi online representative but replied me that " No promotion offer found '', then recommended me gave a call. 
so I gave a call and talked with XXXX XX/XX/XXXX, answered need to wait one more billing cycle. 
today, it has passed another billing cycle, no bonus. 
I called and talked with XXXX. also answered need to review and wait 1~2 weeks. 
I don`t want to wait any more. 
I met the spending requirement in 3 month that they advertised. 
I never made any thank you points related credit card before. 
Thank you.

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 2018-03-09 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma promised free credit score. But apparently, they have been giving me totally off score and rather focus more on selling me new credit cards and services I don't need. 

Only until recently when I need to apply for a mortgage that I figure out my score has been and always been 90 points higher than what they report. 
And this is not a timing issue since they have been showing me at 620-630 for 4+ months. The actual score I got from the credit report pulled by mortgage lender is XXXX. 

I want to report this claimed to be a free service and rather a marketing company trying to make money off avg. customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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:
The whole year of 2017 i had sent letters after letters to XXXX  and Transunion complaining to them that my files are crossed filed with my fathers, hes a XXXX and I am a XXXX.The item is a Repossession of acc #  XXXX that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.

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 2018-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have two store credit cards that where placed on my credit report from XXXX XXXX. The accounts where not opened by myself. I've tried numerous times to dispute these items off my credit report to no avail. I have attached a copy of my FTC report. 

The account in question are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery on numerous occasions has attempted to collect a debt that was not mine. They have two accounts at their office. They report it for a XXXX card and XXXX XXXX credit card. 

I sent letters in XXXX, XXXX, and XXXX disputing the debt with them and with the credit bureaus, but continued to receive letters in the mail and phone calls. 

I've requested that the accounts with Portfolio Recovery be removed from my credit report because the debt could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XXXX offered a trade-in promotion that would reduce the purchase price of a XXXX XXXX by {$400.00} if I sent in my XXXX XXXX phone in good working condition, free of damages outside of normal wear and tear. In 19 years I have never broken a cell phone, for as long as I've owned a smartphone it's been in a case. I took photographs of my XXXX XXXX phone before I sent it in, but I received notification from XXXX in XXXX that my phone had not met the conditions for " normal wear and tear ''. I reached out to XXXX for clarification, when they were unable to provide it and did not meet their promise to contact me with further details I disputed the fraudulent charge with TD Bank on XX/XX/XXXX. To my surprise, TD Bank did not temporarily credit my account while we worked through the dispute process, nor did I hear from them with questions about the dispute. I contacted them again via their secure messaging service to ensure I'd have a written record on XX/XX/XXXX, asking when I would see a credit on my account for the disputed amount. As with my first contact, they marked it as received and closed the contact. When I did not pay the minimum due ( including the disputed amount ) on XX/XX/XXXX, I was charged a late fee. On XX/XX/XXXX I called TD Bank to attempt to resolve the situation, they offered a one-time concession of reversing the late fee if I paid the past due amount in full, effectively eliminating my ability to dispute the amount. 

Around this time I received notification in the mail that XXXX had informed TD Bank that my phone did not meet the trade-in requirements due to housing damage ( please review the attached photographs which clearly show there is no damage ) and that if I had further concerns I would need to work with XXXX directly. TD Bank did NOT provide proof that the charge was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : 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 2018-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

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 2018-03-09 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: EQUIFAX, INC.
State: DC

Complaint narrative:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

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 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
XXXX Sold My Mortgage to XXXX XXXX Serviced by Caliber Homes. I Had Credit Life and Disability with XXXX, they Foreclosed was about to Lose so they Withdrew, and 5 Years Later with No Payments, and No New Contract Signed, and No Money Paid to bring Claimed Arrears Current, they Sold My Mortgage to XXXX XXXX! There Has been Several Class Action Law Suits Against XXXX. if XXXX had Not Sold My Mortgage My Wife and I Could have Been a Part of the Class Action Suits! so We were Cheated Again we went to Court XXXX XXXX Ohio XXXX on XXXX Judge XXXX XXXX Could See by His Own Review The Numbers Were WRONG Also if My Attorney XXXX XXXX had Not went XXXX XXXX and Presented My Payment History The Judge Could have seen I was Being Cheated Every Way Possible. XXXX XXXX XXXX XXXX  XXXX is a Subsidiary of XXXX   and if You Review them You Will See they are Being Sued and are No Longer Offering Credit Life and Disability. XXXX XXXX Purchased My Mortgage in a Portfolio of Mortgages to Make a Profit Bragged They Paid Pennies on the Dollar and Offered Me a Settlement of XXXX When i Only Owed XXXX if XXXX Would Have Processed My Claim Correctly i would Not have Paid on my Account from XXXX Instead i Payed until XXXX So They Owe Me XXXX Back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED EQUIFAX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. XXXX XXXX HAS ASKED FOR EQUIFAX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.XXXX XXXX REQUESTED THE REMOVAL IN XX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 2018-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I called Carmax XXXX XXXX and advised them due to my permanent injuries I had been out of work and needed to get a payment deferred because I did not want to pay my account late and 5 months into my loan i had never been late on my account and didn't want to pay it late. They would not help me at all they forced me to make a payment from my checking account which my bank covered it processed and later kicked back out which Carmax kicked it back because of the name difference on my account. My loan consisted of my married name and my checking account listed my maiden name. So two months after the bank covered and processed the payments Carmax kicked them both out causing me to be 30 days on each payment. In XX/XX/XXXX I faxed them a letter from my bank on letterhead i was told that someone was looking into and it would take 30 days to fix. Now last month I made another check payment for two payments and they have again did the same thing. I am not two times 30 days late and one time 60 days and this is killing my score. prior to this I have not ever been late on my loan. Even when I pleaded with them to help me out do to be out and under dr 's care they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I had a mortgage with Nationstar Mortgage ( account XXXX ) that was foreclosed. The mortgage had been passed to several other sources including XXXX XXXX XXXX ( account XXXX ). The first delinquency prior to charge off was prior to XX/XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it. These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed. I have disputed them with XXXX XXXX and they have remained. 

I disputed it with the bureaus and they left them. I am filing this against the mortgage companies now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Midwest Recovery Systems
State: TX

Complaint narrative:
XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX  AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX  TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018.  THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: FL

Complaint narrative:
I currently have this account in collections with no balance. It list the open date as XX/XX/2012 and the original creditor is XXXX XXXX XXXX XXXX. I have called this medical facility in order to receive information about this debt. They referred me to XXXX XXXX XXXX however they have not mailed me any information about the debt. I do not see an amount owed. This is a medical debt which has not been validated. There is a statue of limitation of 4 years in Texas ( state I lived in at the time of this debt dates it occurred ) and 5 years in my current home state. I am asking for this Collection to be removed and stop being reported to the 3 Credit Bureau due to the statue of limitations on the opening date of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/17 a dispute was filed to XXXX XXXX and Experian for a federal tax lien in the amount of {$11000.00}

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