vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have tried to dispute this unverified account with National Credit Systems. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
staHello. I moved end of XX/XX/XXXX from XXXX XXXX, Florida to XXXX, XXXX. I rarely write checks from my checking account. Maybe one or two a year. In XX/XX/XXXX had written a check to a mover company. That may have been the only check I had written in XX/XX/XXXX. I have been with citibank for 18 years. After 18 years, they should have known my banking habit. Citi encourages the consumer to do online banking, They also encourage people to uses paperless bank statements. They are suppose to email every month reminding the consumer that their bank statement was ready to be reviewed for each month. I do not remember receiving any email from citibank ever. Being extremely busy with my move I am not sure if I checked my account statements. XX/XX/XXXX, i saw someone had taken money out of my account. Called Citibank right away, Talking to a fraud department we have realized they have been pilfering money from my account every month. Almost 10K. All of this was happening ensuing months after my move. They started pilfering money as of XX/XX/XXXX. The only people knew about my move was this movers company. Citi reimbursed me for {$6700.00}, They are refusing to pay the rest, {$3200.00}. Their reasoning is I failed to inform them about the irregularities within 30 days. They do not mention that Citi has failed to protect my account. I trusted them my money. They should have noticed the irregularities happening to my account. Also, they never emailed me reminding me my monthly bank statement was ready to be reviewed. They have abdicated their responsibilities. I trusted them my bank account. Apparently, they can not protect accounts. They should have noticed some thiefs were robbing me. If I had not noticed it, these thief have probably stole more money. I am a XXXX years old man. Often times it is very complicated to download paperless statements online. Please help me. 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 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
JSZ Financial CO XX/XX/2015 balance showing on credit report : {$2900.00} This is NOT a valid account. I have reached out to this company with no resolution. The original debtor does not exist any longer as a property manager, and can not contact after many different attempts even looking them up via social media streams. I have attempted multiple times to have this company send me written proof of this debt and they can not provide.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: AZ

Complaint narrative:
I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: LA

Complaint narrative:
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

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 2018-04-04 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: LA

Complaint narrative:
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a credit card ( XXXX ) with Chase bank. For more than 7 years I have been charged a " overdraft fee '' of almost {$200.00} a month. I have asked Chase on several occasions to provide the date, the amount, and origination of the overdraft without success ( most recently via telephone week of XX/XX/XXXX & via email XX/XX/XXXX ). I have been told the entire monthly payment has been to service the fee. I rarely use the credit card, until recently and want to take advantage of its offering. I AS of XXXX I am now being told that I must fax or write the request ... I am getting the run around so they can continue to charge me this fee. I have several issues with the situation : 1. The inability and unwillingness to provide what I have requested ; 2. The amount over the years is significant ; 3. The overdraft % rate is something like 23 %, paid greater than 7 years is predatory. I am desperate to have some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.

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 2018-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION : Attempt to place credit freeze on XXXX. 
. 
Transunion didn't tell me the difference in charges between credit lock ( {$19.00} recurring /month ) and credit freeze ( one time charge of {$5.00} as per Maryland State Law ).

Discovered this through their confirmation email. I then cancelled the service and phoned them. They began processing a fee refund but told me that the refund may not show up in my checking account for up to 30 days depending upon my financial institution. Hence either Transunion or my bank gets the use of my money for up to 30 days without paying me the interest they earn using my money & I don't have the use of my money during this period.

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 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this  account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed. 

after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i  received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING. 

The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this. 

the only response i get from M & T Bank is " we looked into the matter and believe the reporting 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 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.

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 2018-04-04 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: AL

Complaint narrative:
For the past few years I have tried contacted the credit bureaus to dispute several accounts on my credit report that belong to my twin brother. I was responded to with saying those accounts are mine. My equifax report has mine and his name on it. It should just say XXXX XXXX. I also have several collections, a car note, and a personal loan being reported on my equifax report that belongs to my twin brother and not me. I have not cosigned for anything for him as I can not get any line of credit because of the mix up of our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account. 

TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee. 

With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online.

1. TD falsely advertises access to online banking and telebanking.

2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge.

3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking.

4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking. 

The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I requested that this debit collector validate that this belonged to me that I never received information from them that validate I had to pay. I did not have a contract with my signature with the collection agent to entitle me of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is regarding my XXXX Inquiry on XX/XX/2017, this complete unauthorized inquiry and not have my permission, please look into issue and remove it from my credit report from Equifax as soon as possible. they are not responding to my inqury.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I contacted Wells Fargo ( WF ) Home Mortgage in the XX/XX/XXXX to discuss my options to drop my PMI because I had made structural improvements to the home. I originally put down 10 % so I have to get below 80 % LTV to get the PMI cancelled. This done by ordering an appraisal through WF by a third party company, XXXX XXXX, to avoid any conflict of interest. WF incorrectly informed me that I had to wait two full years before ordering the appraisal which would be XX/XX/XXXX. I had a feeling that this was wrong so I called back again in XX/XX/XXXX and was told that there is no waiting period so I told them that I would like to order the appraisal. I told them about my experience and they agreed that I was given the wrong information so they agreed to pay for the appraisal cost ( {$550.00} ). The instructions to drop PMI through increased home value said that I was required to provide proof of structural improvements to appraisal company, which I did. We made structural improvements to the kitchen, bathrooms, fireplace, and patio. To get my loan below the 80 % LTV, the appraisal needed to be just under {$380000.00}. The appraisal was submitted to WF on XX/XX/XXXX at {$450000.00} which brought my LTV to 69 %. Wells Fargo informed me at the beginning of XX/XX/XXXX that they will no longer reimburse me for the appraisal and that they are not removing PMI because the appraisal company did not provide proof of structural improvement costs.

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