vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX, i've banked with Citibank for countless years. I've spent several weeks and countless hours trying to get to the bottom of the account this complaint is in reference to, the account number is XXXX. The account is a closed credit card opened XX/XX/XXXX and last active XX/XX/XXXX. I have received not one piece of mail regarding a remaining balance on this account and had no idea it was effecting my credit until I recently went to get a mortgage and a loan officer discovered it. It has been near impossible to get a hold of the department managing and collecting the debt. After several hours of phone calls on different days, I've finally gotten a hold of someone and they are essentially telling me they're unable to deliver any information on the account to me in writing. I've sent them a money order check for {$330.00} because that's what my credit report stated and now they're telling me it's short XXXX cents. 1. i never received in the past several years one piece of mail regarding this debt and what the balance is. 2. i mailed in a check for the amount listed on the credit report and they are now telling me over the phone that there is a XXXX cent balance remaining and I have to mail in another check to pay the balance - there is no other option. 3. they will not provide me with a written statement with the account information. I feel powerless and a slave to the bank and unable to resolve an issue that in hindering my ability to get a mortgage loan. All I want is a statement from the debt collector expressing who is collecting and the amount. I am been exercising every possible method I can to accomplish this and am completely frustrated and powerless. This is a bank that has my money and is effecting my credit score. The ID number of the individual that has attempted to help me 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 explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A-1 Premium Acceptance, Inc.
State: NM

Complaint narrative:
king of kash keeps calling my work and have been told our company does not accept these type of calls and I am going to lose my job because of it. constant harassment when told to stop calling place of employment. they said they could call whomever and tell them about the debt, calling at all hours and interrupting work. I have asked repeatedly to stop calling my place of employment and they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
Dont understand how a utilities s bill can be placed on credit reports. It has nothing to do with credit. I never obtained a loan or a line of credit. Never received notice that I had a delinquent XXXX bill. I was recently paying on my XXXX bill so the amount they claim I owe can not be correct whatsoever. XXXX never tried to contact me about a past due amount and when I checked my account awhile back I was up to date. So Bonneville Collections needs to remove there collection against my credit reports unless they prefer to pay more in a court trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: AZ

Complaint narrative:
I submitted a dispute with Netspend and they only pad 3 of the charges disputed as part of a lost card others were denied without explanation and their customer service was unwilling to connect me with there dispute team just explained they concluded fraud did not occur when it was over a lost card and if they believed me and disputed some after and in-between why did they not believe me for other claim XXXX they denied. They also added my last valid charge i made on account for XXXX to dispute which wasn't even connected to my lost card and added it as well to dispute when i explained to their customer service multiple times that it was my last purchase and i wasn't disputing it and also informed them via email to there dispute team this same information.

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 2019-07-17 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: MD

Complaint narrative:
My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : 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 2019-07-17 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: MD

Complaint narrative:
My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : 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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was contacted by the following number, ( XXXX ) XXXX-XXXX, stating that I owed over {$1000.00} for a bounced check. 
The Wells Fargo bank account they referenced has been closed for over 5 years. 
They did reference my social security number as well, however, they could not reference where the charges stemmed from. 
The person on the phone was dodging questions about who her company was. 
The person on the phone said that I am being charged with a XXXX  by the State of California for not paying something, and my options were to pay the amount up front to close the case, or to go to court.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During a breach in XXXX, my personal information was potentially hacked. The breached company offered free credit bureau 'locking ' services which I took advantage of with Equifax . Now that I am applying for a mortgage, the lender needs access to my bureau. After unsuccessfully attempting to reset my password through Equifax 's website, on XX/XX/XXXX, I called customer service. I was barraged with questions to identify me ( which I understand ) but the questions were very vague and open ended, such as " who have you had a car loan with? '' Well, I am XXXX years old and have had a dozen cars between me, my ex-wife and XXXX kids ( now adults ). Customer service would not clarify what timeframe so I just named all of the cars I had ever had. Apparently, I got that right, so she then asked me the amount of the payment. " For which car? ", I asked. She would not specify. This is but one example of many frustrating questions I had to answer without specificity. I was further infuriated by the fact that I was clearly speaking to someone overseas and who knows where all of my information is now. I must have answered all of the questions more or less correctly because she unlocked my bureau for 5 days. I asked why I was unable to reset my password on-line. She said that system has not been working. " For how long? ", I asked. " For over a week '', she answered. Now, on XX/XX/XXXX, the lender needs to revalidate my information. I just tried my password, it didn't work, clicked the " forgot password '' link, and response is a reset link has been emailed. ( Same scenario are earlier in the month. ) Again, I have not received an email and have to call Equifax again to go back through the earlier drill. Hopefully, I will remember the amount of my car payment on my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I contacted SunTrust to refinance my mortgage. The loan officer informed me that I could take advantage of their portfolio  loans, which do not have mortgage insurance, but have very stringent requirements to obtain the mortgage. You need to have a salary in excess of {$150000.00} and {$100000.00} in reserve assets, among other items. I told the loan officer that my salary is less than {$150000.00} and I had less than {$100000.00} in reserve assets, but he assured me SunTrust could work around the requirements. He then billed {$940.00} to my credit card for a home appraisal and to obtain condo documents. Several weeks later, the loan officer told me I do not meet the requirements for the loan and asked for more than {$20000.00} in additional cash to post as reserve. As I stated from the beginning, I do not have such extensive liquid assets and so can not qualify for the refinancing. SunTrust has refused to refund my money that it charged for loan product that I did not qualify for from the beginning. Perhaps I am naive for believing the assertions of the loan officer, but he told me repeatedly " not to worry '' and that they would " figure it out. '' Now I have lost nearly {$1000.00} and the loan officer says he can not help 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 monetary relief
Consumer complaint received 2019-07-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days. 
On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office. 
I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX. 
Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time. 
Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved. 
A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation. 
To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

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 2019-07-17 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: FL

Complaint narrative:
XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems keeps calling me ( over 10 times now ), leaving me voicemails stating this is an attempt to collect a debt, to call ( XXXX ) XXXX. 
I return the call every time and speak to a different agent. Every agent asks for my phone number which I provide the same one every time. They look it up then inform me they can't find my information in their system, sometimes questioning me if I'm providing the right number. I inform them I keep getting calls & they need to stop disrupting me at my job & residence. The issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of this year, I used a promotional balance transfer check for my Chase credit card account in the amount of approximately {$1400.00}. I used a second balance transfer check for {$400.00} in XXXX. These checks offer a promotional 12 month 0 % APR for any purchase they're used for, with the stipulation that you lose your interest free period for any normal charges until your entire card balance is paid off. 

On XX/XX/XXXX, I used my card to make a purchase of {$1300.00}. Once I got paid 2 days later ( XX/XX/XXXX ), I made a payment of {$1300.00} to my card. I made this payment promptly because I knew I no longer had an interest free period on normal purchases, and did not want such a large charge to accrue interest. 

Over the next few billing periods, I noticed my statements now included an interest charge, even though the only balances remaining should be my 0 % APR balance transfers. I assumed this was interest accrued during the few short days I had made purchases before paying them off, even though the interest charges seemed high for such a short time. By my XXXX statement, the interest charge had more than doubled even though I had made only a few small charges and promptly paid them off. 

After going to my local branch, calling the support line, and emailing customer support through the Chase app, I finally figured out that the payment I had made on XX/XX/XXXX of {$1300.00} had been applied to my promotional 0 % APR balance instead of my {$1300.00} purchase, and that this purchase had been accruing interest ever since then. From my understanding of the Credit Card Act of 2009, my entire payment should have been applied to my highest interest balance before being applied to any other balances, as I had already made my minimum payment earlier that billing cycle. 

When I pointed this out to a Chase customer service representative, they told me that payments are applied to previous statement balances before charges made during the current cycle, regardless of interest rates. This seems like a violation of federal law to me, as the Credit Card Act doesn't differentiate between statement balances and new balances. My purchase began to accrue interest the day it was posted to my account ( XX/XX/XXXX ), and therefore my payment on XX/XX/XXXX should have been applied to it before any lower interest balances. Their policy means that I would have had to wait for the statement cycle to close and interest on my purchase to be calculated and charged to my account before I could have a payment applied to that balance. 

I am now stuck with a large balance on my card accruing high interest that I currently don't have the means to pay off, while my 0 % balance transfer has been paid off by funds that legally should have been applied elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months. 

I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit. 

I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved. 

I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible? 

I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.

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 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My husband had lost his job, so I was unable to make some payments on my loans. I was aware that at 90 days overdue the account would be reported as delinquent to the credit agencies. As I wanted to avoid this, I intended to make a payment or request a deferment or forbearance before the 90 days passed. When it came near the 90 day mark, I logged in to my account online to check the status and see what my options were. I was surprised to see that there was no overdue balance, only an amount of, if I recall correctly, {$53.00} due by XX/XX/XXXX. I was skeptical, so I checked again over the course of several days, and my account continued to show the same, not overdue, only {$53.00} due XX/XX/XXXX. I thought since my husbands loans are going into repayment status, that this had affected my account. A few days later I was surprised to receive an email stating that my account was 90 days overdue and it was reported as delinquent. When I logged back on at that point, the online account did reflect an overdue balance. 
Since I had every intention of keeping my account from going delinquent, and it did only because of an error on Nelnet 's website, I feel that I was not at fault. A correction should be made to remove this negative mark from my credit report at any and all agencies that they report to. I called and was informed by one of their reps that there was in fact a technical error in their systems around this time.

Company response to consumer: Closed with explanation