vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
URGENT. THIS IS NOT A DUPLICATE COMPLAINT. TIME IS OF THE ESSENCE. MY HOME IS SET TO AUCTION ON XX/XX/XXXX THIS IS A SEPARATE AND URGENT ISSUE. FAY SERVICING HAS CAUSED A NOTICE OF TRUSTEE SALE TO BE RECORDED ON MY PROPERTY. AND AT THE SAME TIME FAY SERVICING HAS STATED THAT THEY ARE REVIEWING MY LOAN FOR A FORECLOSURE ALTERNATIVE. This complaint supplements CFPB Complaint no. XXXX filed and sent to Fay Servicing onXX/XX/XXXX. On XX/XX/XXXXI spoke with Fay Servicing representative XXXX XXXX. And although he seemed a bit confused by his company 's processes. He informed me that my application was deemed complete and was forwarded to the underwriting department for review and a decision. He also said that the scheduled sale date was now for XX/XX/XXXX. This is in contrast to his previously telling me that once the loan modification application was deemed complete that the foreclosure process would be stopped until the outcome was determined. On XX/XX/XXXX however, XXXX said that the foreclosure process is never stopped because, " what if the loan modification does not go through? '' To which I told him that Nevada state law prevents a mortgage servicer from continuing the foreclosure process while reviewing for a loan modification or other foreclosure alternative. On XX/XX/XXXX Fay Servicing caused a Notice of Trustee Sale ( NOTS ) to record on my home. Copy attached. I called back in - XXXX not available, left message. He has not returned my call as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was denied credit on  XXXX / XXXX / XXXX  by  XXXX   XXXX   XXXX   XXXX  due to Bank of America reporting inaccurate information on my credit reports with  XXXX ,   XXXX   and  XXXX  credit bureaus.     Bank of America reported late mortgage payments for the months of  XXXX ,  XXXX ,  XXXX  of  XXXX  ( 60 days late ). I disputed this with the credit bureaus and they replied by stating that the information was verified as correct.     I supplied bank statement copies from my credit union to thes e (   XXXX   ) credit bureaus as well as to Bank of America ( complaint dept ) showing that these payments were  made within the months they were due. The transactions were ( ACH ) withdrawals by Bank of America out of my checking account. The dates and amo unt ( s ) were pr ovided on the statements and highlighted.     This incorrect information remains on my reports and I will continue to be denied credit for a new mortgage until it is corrected.     Thank you.    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 2017-05-31 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Our XX/XX/XXXX Statement from Citibank Did NOT Show a Payment of {$1100.00} to Pay Off Our Previous Months Balance in Full. We Contacted Our Bank ( XXXX XXXX ) and Asked them to Fax PROOF of The Payment to Citibank on XX/XX/XXXX, and Mail Us a Copy of The Front and Back of The Check as a Hard Copy. The Check Showed Our Bank Paid {$1100.00} on XX/XX/XXXX, and Citibank Endorsed The Check on XX/XX/XXXX. I Have This Documentation. I Mailed The Hard Copy of Payment to Citibank on XX/XX/XXXX, to : Citibank, XXXX. XXXX XXXX , XXXX XXXX, Mo. XXXX Today, XX/XX/XXXX - Citibank is Still Telling Me They Show No Receipt of This Payment, My Banks Fax, or My Submission of The Hard Copy of The Payment/Endorsement. To Make Matters Worse, Citibank Has Sent Me a Refund of {$970.00} with No Explanation of What Happened to My Original Payment or Why There is a Difference Between the Two Amounts. They Obviously GOT MY PAYMENT, or I Would n't Have Got a Refund. I Have CLOSED My Account With Citibank, as I Have Spent HOURS of My Time, Trying to Get an Explanation From Citibank, and Have Them Acknowledge My ORIGINAL Payment. I am Now Sending Another Payment by Certified Mail/Return Receipt to Protect my Credit Rating. Can You Get an Explanation For 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 2017-05-31 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: GA

Complaint narrative:
XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''   XX/XX/17 .   Photo  copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus Equifax,  XXXX , and  XXXX  on  XX/XX/17   . All  XXXX  have responded as "  Verifed  '' account information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n   XXXX   XXXX     2017 to  my mortgage company in a timely manner ( 9 days past the closing d ate )   XXXX   XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment.     I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on  X/XX/17   . Auto email sid  wait 5 business days. Its been 10 and I  clled today and was told Id receive a phone cLl today. I did not.     Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 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:
In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I received your correspondence regarding the debt with the above creditor. I contacted them to report unauthorized transactions placed on my account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX and at that time I advised that I wanted the card blocked and to dispute the transactions and request that no further transactions to be placed on that account. I received a new card in the mail which I never activated. I explained that I did have a rental car with XXXX on XXXX/XXXX/XXXX and that the charge of XXXX placed in XXXX was authorized. XXXX XXXX choose to pay the unauthorized charge despite my dispute and since I did not authorize the charges I am not responsible for that amount or any charges incurred based on the payment of that charge. I explained that I will not be paying any of these fees because as I stated I did not authorize these charges and did not owe XXXX this amount. I have already filed a complaint with the BBB due to the poor customer service and unwillingness of XXXX XXXX to process my dispute. I explained that In reviewing my account you can see prior to this I paid my balance in full and had intended to pay off my account until they processed these charges. My XXXX Statement shows clearly that I reported the card lost and yet XXXX XXXX continued to pay charges that were made with the lost/stolen card. The XXXX and XXXX charge both came in on the lost cards account number and yet they paid both transactions. I explained to XXXX that I believed that my card was left at their location and an employee there used that card to post additional transactions to that card. As you can see as of the XXXX statement that card was never used again except by XXXX and that is because it was no longer in my posession. When I brought this to their attention they stated that the employee had been fired who processed those payments and told me to dispute it with XXXX XXXX which I did and still the charge was paid and I was charged the associated fees. Additionally there was no proof of my signature authorizing either transaction placed on XX/XX/XXXX or XX/XX/XXXX which I did request from both XXXX and XXXX XXXX and have yet to receive. Additionally I am requested that this item be removed from my credit file immediately until I am provided with written verification of my authorization of these charges in addition to written verification of my acceptance of XXXX XXXX 's Terms of Service to include my signature. This correspondence was sent to the creditors attorney in XXXX of XXXX and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
In correspondence dated  XXXX  -2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation