vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Had a Citi Simplicity credit card. My HELOC company wrote check to PAYOFF balance. I sent in timely per bill. Checked online. Remaining balance was {$38.00}? Figured it was interest so I immediately paid it to XXXX it out. Online said XXXX. Days later a {$68.00} autopay came out of my bank. I called. Rep said it was a mistake and autopay now OFF because the balance was XXXX. I could wait for a refund or use the card to absorb the credit. Just checked. I was worried citi would continue to deduct XXXX because I had turned it off and it didnt stick. She said because it was XXXX balance no autopay would issue. Citi says I now owe XXXX by XX/XX/. So I called. The 1st rep said I was always 1 mo behind. Nonsensical. I paid the amount due each month. My credit would have suffered. My credit is good. And wasnt I on autopay? They were lying. He had no answer for how to reconcile that with a payoff of the entire balance. How do you pay off the entire balance of over {$2000.00} and then get a 1 mo behind issue? 2nd lady said I owed like $ 100+ more. But that does not explain 1. Why my balance was XXXX with my XXXX payment ( I paid the balance in full option online when I checked after my large payment posted ) and 2. The other rep saying autopay was a mistake and Id get a refund etc. Ive been defrauded out of at least {$76.00} because Im trying to close the account. I paid the {$8.00} today just to get the account closed to sever Citis ability to access MORE funds in my account. But I didnt owe any of it ( XXXX or XXXX ). The 2nd rep today said there were no notes from my discussion with the rep on Monday who said the XXXX autopay was a mistake. The lady today was clearly lying. Ive been a lawyer for 25 years. I didnt imagine my conversation earlier this week nor did I just randomly pay XXXX for no reason.

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 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.

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 2018-08-19 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: CO

Complaint narrative:
I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.

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 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. 

Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: DE

Complaint narrative:
Upon checking my credit report I noticed that a collection agency by the name of BYL Collections Service had reported a debt in the amount of {$6100.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 but not mailed until XX/XX/2018 labeled as " debt verification letter '' showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$6100.00}. On XX/XX/2018 I sent BYL collection services another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX and XXXX XXXX credit file. They were not able to validate the account with XXXX   and therefore was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XX/XX/XXXX and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer. This seems to be a bait and switch situation in my opinion.

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 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, my wife and I applied for a mortgage with XXXX XXXX XXXX. Our credit was and is excellent. We had and have sufficient income. We had and still have substantial liquid assets. All documents required were delivered to the XXXX branch. What ever was requested was delivered within two days time. At the end of XX/XX/XXXX, we received an email from TD Bank stating if they don't receive an insurance certificate form our condo association they will deny our mortgage. They already had the certificate. I called the regional manager who said he would look into the matter. He called back saying the certificate they have is on my insurance. I became very irate, explaining I never applied for insurance, and won't until we have a closing date. I believe the regional manager and the mortgage processor entered false, misleading and derogatory information in my file. I also believe they were reluctant to approve the mortgage because of my age. I was XXXX at the time. There was no other reason for their actions. My complaint is that I want a copy of whatever information is in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX Reported an amount of XXXX balance owed. 

XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. 

As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. 
I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. 
In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. 
I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. 
I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. 
I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . 
In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. 
I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. 
I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. 
So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.

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 2018-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX between XX/XX/18 - XX/XX/18 several unauthorized trans actions took place on my account using my debit card # and home address. All fraudulent transactions were done online or by phone. No signatures or Pin transactions were used. The amounts were : {$450.00}, {$38.00}, {$75.00}, {$150.00}, {$130.00}, {$220.00} {$300.00}, {$47.00} {$26.00}, {$31.00}, {$39.00}, {$35.00}, {$40.00}, {$150.00},. All these transactions took place while the debit card was in my possesion. I used my debit card almost every day at the gas station, grocery store, coffee shop etc. but when you go to the corner store it does not tell you the balance after the transaction and I did not go to an ATM to make a withdrawal or deposit to check my balance Until XX/XX/18 when I noticed money missing out of my account. I immediately made a claim that day. A credit was was put in my account for all the fraudulent transaction Approx. 2-3 days later. I then continued to use my account. 3 months later I received a letter dated XX/XX/18 stating that my claim was denied and a reversal of the credit given to me would be subtracted on XX/XX/18 ( {$1700.00} ). It did indeed take place leaving my account in the negative. I have made several calls and written letters to Bank Of America, They  have not replied. can you please help me rectify this problem. 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 monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
Paul Michael Marketing reported 2 debts which I do not owe to my credit report without any previous written notice or giving me the right to dispute. Now my credit score is low.

I sent Paul Michael Marketing a certified letter demanding proof that I owe this $ and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
Well, I was scammed by some one pretend to be a loan company

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I submitted to the company that I denied the debts and any portion thereof they responded with another collection notice and a bill from the original debtor stating that I had a XXXX balance and the charges of the XXXX had been paid yet when I called them to inquire as to why they were still collecting on a debt that had a XXXX balance they refused to allow me to speak to a supervisor and hung up on me.

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 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can 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 explanation