vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX Citibank allowed a fraudulent checking account to be opened using my name and address with someone elses social security number. They have not told me what proof of identification was provided in my name to open the account. This is something I would like to know so I can take action to protect myself. 

Citibank then allowed the perpetrator to cash my stolen IRS refund in the amount of {$6800.00} using this account. They did not require a signature on the check to cash it. 

Citibank refuse to address the identity fraud and close the checking account. They said that the person whose social security number was used must make the complaint, but they have not notified this person. Because the statements are being sent to me at my address there is no way for this person to be aware the account exists. I am the injured party, it is my name and address being used and my check that was cashed. I need your help to get Citibank to take action and close this account. 

Additionally, Citibank refuses to investigate the grand larceny of involving my stolen IRS check. I have completed the paperwork required and provided all the information they requested including an affidavit and a police report. They still refuse to address the matter or follow up with the police. 

The IRS has told me they have reached out to Citibank, but the banks Incident Reporting Unit / Risk & Fraud Operations has told me they have not received any communication from the IRS. Instead of engaging directly with the IRS, they are now requiring me to have the IRS send them Fraud Endorsement Claim. The IRS said this is not necessary, but the bank continues to refuse to act. I hold Citibank liable and expect them to reimburse me or the IRS for the stolen funds but I need your help to get them to engage.

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 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc.
State: NE

Complaint narrative:
On approximately XX/XX/XXXX my wife and myself pre-qualified for student loan refinancing through Sofi. After entering in all of the qualifying questions and criteria we were presented a rate of approximately 2 percent and told that this rate would be held for 30 days, pending a complete application. On XX/XX/2019, I logged on to finish the application by uploading various co-signer documents. Once these documents were uploaded, we were then offered a rate of 4.19 percent, over doubling the amount offered during pre-qualification. On XX/XX/2019, I called the Sofi student loan department to see what the cause of this large increase was and I was told that it was due to " income verification '' ; however, the income stated during qualification did not change when I uploaded the verifying documents. In addition, we did not have any additional debt that would cause our DTI ratio to increase. This practice seems deceptive as they make you go through the whole process before describing your actual rate, which is significantly higher than the rate they initially disclose. In addition, the representative made it seem like our age played a factor in the decision to increase the wage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MD

Complaint narrative:
So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX   from their doctor that they referred me to. XXXX   XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting  with XXXX XXXX  of sending information about the collection

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 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I HAVE MADE ALL PAYMENTS ON TIME AND THIS COMPANY LOWERED MY LINE OF CREDIT AND THEN CLOSED MY CARD WITHOUT NOTIFICATION. 
THIS CLOSURE IS CAUSING ME TO HAVE A BAD CREDIT SCORE AND CAUSING ME FINANCIAL DISTRESS. I CAN NOT GET A LOAN OR A MORTGAGE DUE THIS CLOSED ACCOUNT ON MY CREDIT REPORTS. THIS ACCOUNT WAS CLOSED IN GOOD STANDING WITH NO MONEY OWED. 
PLEASE REMOVE THIS CLOSED ACCOUNT FROM MY CREDIT REPORTS SO ME AND MY FAMILY CAN MOVE ON WITH OUR LIVES. THIS IS POSSIBLE AND CAN BE DONE IN GOOD FAITH. I WAS A GOOD CUSTOMER AND I PAID ALL MY BILLS. 
PLEASE REMOVE THIS OLD ACCOUNT FROM MY CREDIT 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 2019-11-22 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:
I have submitted many disputes for Equifax to deleted my XXXX XXXX. I paid the original creditor and Im not liable for a collection account. I submitted proof of this. XXXX and XXXX deleted immediately. 

I contacted XXXX and after filing a complaint with CFPB with proof they responded that they would contact Equifax to delete the tradeline as it is an error. This response was on XX/XX/XXXX2019. 

I have called Equifax at least two time since this asking them to update my intonation and they have not. I contacted XXXX yesterday and was told the request to delete my tradeline was submitted on XX/XX/XXXX and should have been done now. 

On XX/XX/XXXX I received an email that Equifax closed my dispute and left the tradeline on my report. I have provided plenty of proof for why this needs to be deleted. The collection agency has told Equifax to delete but they still refuse. XXXX refusal isnt taking a major hit on credit score which is making it hard for me to get a home loan. What they are doing is not okay. This has been going on for months and it needs to be deleted immediately. If not done in 15 days I will recontact the attorney general as Im told there have been enough complaints sfo start a class action. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: DC

Complaint narrative:
I am a senior citizen age XXXX recently diagnose with XXXX XXXX and XXXX I have a parent plus loan with Great lakes. I informed to the collector from Great lakes that I am on a fixed income and can only pay {$50.00} a month the person has been harassing me daily and stated that I don't qualify for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I requested via letter 2 months ago that Commonwealth Financial Systems verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed to collect in the state of Georgia and Florida. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I moved to XXXX XXXX XXXX XXXX on XX/XX/2019. This was a Friday. Over the weekend I notice that there were roaches in the apartment. I emailed the office that following Monday morning, XX/XX/2019 to inform them of the roach problem. I explained that I was not comfortable paying $ XXXX/mth and have roaches and I was afraid to finish unpacking my things because I didn't want roaches in my belongings. There was also a leak from the utility area during that time as well. This caused my bedroom floor to be extremely soaked. I gave them the option to move me to another unit. However, they chose to send out pest control to spray and had maintenance to come take care of the leak and had a carpet cleaning company come suck up the water from my bedroom carpet. After pest control sprayed, I didn't see any roaches for maybe 4 days but they definitely returned. I contacted the office once again about the problem. They stated that it could be coming from my boxes that my things were packed in but that was definitely not the problem. I didn't have roaches prior to moving there. They were in the apartment. Due to the fact, that I paid {$1000.00} to move in, a {$200.00} application fee, and {$400.00} for movers, I did not have funds to move out immediately. I moved out on XXXX XXXX because the roaches were a big problem and management made no effort to accommodate my family. I sent a message to management via the resident portal to inform them of my move out. However, the portal doesn't give you a copy of what you submit and there is no record for you to go back to it. On XXXX XXXX, i received an email for a final bill of {$2700.00}. This is absolutely ridiculous. I was barely in the unit 30 days in which I still paid {$1000.00} upfront. I immediately responded to them about my disagreement and asked them to review the final statement. I reminded them again that the living conditions were not good. I didn't ask for any money back, which I should have. I just simply wanted to be moved from the roach problem. So now, I have a balance of {$2700.00} being reflected on my credit report that shouldn't be there. I wasn't in the unit long. I didn't unpack all of my things, and the apartment was not damaged. I am the one that cleaned the apartment because they didn't prior to my move in. The floor was super dirty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have huntington bank, it is XXXX XXXX  on XX/XX/2019, their website can not be reached through any search engine!! I am very upset, I called, and they have NO CLUE, as ususal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: VA

Complaint narrative:
Experian said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

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 2019-11-22 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: TN

Complaint narrative:
My wife and I have been victims of fraudulent activity because the Dept of Personnel Management under President Obama allowed our personal information to be stolen through their negligence. Since that time my wife has suffered additional fraud by someone changing her address at our bank and causing bank account information to be moved to XXXX, FL to a sham storefront business ( 3x )!  I recently received a notice from XXXX asking if I had closed an account ( I didn't ) : " Hey XXXX, It looks like your XXXX/XXXX  account on your Equifax credit report was recently listed as closed. '' I had to do a XXXX search to find out who that was and it was XXXX closing an account they had opened and tried to get me to use but I never did. But their closing of the account lowered my credit score EVEN THOUGH I NEVER USED IT and all my credit agency accounts have been locked! I don't know who reported this as a negative impact, but how can my credit score go down, if I never owed any money on that account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The Company has charged me excess activity fees. They refuse to properly mitigate my closed checking 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 monetary relief
Consumer complaint received 2019-11-22 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: SC

Complaint narrative:
Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.

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 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Credit has continually called my phone searching for someone who owes them money, however, I am not that person. I have spoken with multiple staff members in XXXX of 2019 and specifically on XX/XX/XXXX, XX/XX/XXXX, and with manager XXXX XXXX on XX/XX/XXXX. I continue to get robocalls and voicemails asking for the person who owes the debt to call the number and settle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: VA

Complaint narrative:
Equifax said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: VA

Complaint narrative:
Transunion said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

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 2019-11-22 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: SC

Complaint narrative:
Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.

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 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Thank you for your quick response. However, in the complaint, you have XXXX as the company I am complaining about. See below : " What company is this complaint about? 
Company Information XXXX '' This should be Everhome/Everbank/TIAA. 

As I stated in my complaint. It started with XXXX, but when they transferred my loan to Everbank, Everbank added the {$500000.00}, instead of subtracting it. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: DE

Complaint narrative:
A " company '' called Midwest Recovery Systems in XXXX XXXX, MO ( XXXX ) XXXX, suddenly posted a collection on my credit report on XX/XX/XXXX. They claim to be representing a company called XXXX  XXXX XXXX XXXX XXXX. This collection says I owe {$930.00} on an account that they claim had its first delinquency in XX/XX/XXXX. This account and claim are both totally fraudulent. This has caused my credit score to go down 47 points from XXXX. I never did any business with this company neither have I ever heard of having any debts with them. I immediately disputed this to the credit bureaus. XXXX  investigated and deleted it in two days. XXXX XXXX report just repeats the info of the false claim and suggest I report this to the CFPB. I am very suspicious of these Midwest Recovery Systems people. I have read many people experiencing this same scam and having their credit damaged in the process. I also tried to report them to the XXXX   only to find out that the XXXX  had revoked Midwest Recovery Systems ' membership as a result of too many complaints exactly like mine. You can still pull up Midwest Recovery Systems on the XXXX  website and see the XXXX  grade, revocation, and complaints on them. I have spoken with the company XXXX  XXXX XXXX  XXXX XXXX notifying them of the issue. They reassured me that I am not in any of their systems and that they are familiar with this kind of fraud. They also said they would be pushing the matter to corporate. The funny thing is XXXX  XXXX XXXX XXXX XXXX sends loan offers in the mail to me almost weekly. Why would a company be offering loans to someone who still owes them money from XXXX? How could Midwest Recovery Systems be trying to collect a debt for a company who says there was never a debt to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I started XXXX XXXX at XXXX College on XX/XX/2019. I applied for an in-school deferment before classes even started. It took over 2 months and 15 phone calls to Navient, my student loan servicer, in order to finally get them to apply it to my account. I had to pay 2 months of my student loans while in school and also paying tuition out of pocket because of their negligence. Since XXXX, they have inexplicably removed my in-school deferment 3 times. The first 2 times, whomever put my loans on hold put them on a temporary hold instead of an in-school deferment. This caused late payments to appear on my credit report, and effected my credit score, which I have worked diligently to improve over the last 3 years. The last time I spoke to them, they promised I would be put on an in-school deferment. This morning I received a letter from them that my income based repayment plan was approved and my new amount due would be {$490.00}, due on XX/XX/2019. This is the 3rd time they have made this mistake in the span of 7 months. I called them yet again, and they are trying to tell me they never sent anything to me, even though I literally have the email in front of me. When I asked to speak to a manager, I was put on hold and left there. No one ever came back to speak to me. At this point, I am unsure what is going to happen, and will probably have to call back yet again to make sure they are not going to start charging me. This is unnecessarily stressful, as I have done everything they asked, I have submitted every paperwork needed, and I should be able to be in XXXX XXXX concentrating on my degree, not worrying that suddenly my bank is going to be auto-debited {$500.00} that is set aside for rent, or that Navient is going to wreck my credit again. They are a fraudulent company, and it is unconscionable that they are allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I sent two letters stating i revoked my authorization for them to take money from my account.I informed them I would make my own repayment arrangements. The money was to be taken on the XXXX of XXXX, 2019. The letters were sent on the XXXX and the XXXX. There was no response. They took the {$150.00} anyway from my checking account.It is very difficult to get them on the phone and they dont respond to emails. 

They took my money from my bank account without my authorization,

Company response to consumer: Closed with explanation