vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
XXXX Hello. In the response the mortgage company did not send me an escrow account activity since XX/XX/2018 to XX/XX/2018. 
Please send me escrow activity for those month. 
Sincerely XXXX XXXX. 
PS- they were my first mortgage company and they are responsible for escrow activity for this period

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 non-monetary relief
Consumer complaint received 2019-11-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i ordered something via XXXX a week ago and for four days, XXXX  like address dnt exist, so i called amex to disoute and cancel and they were no help, going only XXXX can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Card violates false allegations, false statements, customer privacy laws. Discrimination. Customer rights. 

1. After the old card expired, Citi Card Company refused to issue me a new card for violation of customer rights. 
2. Citi Card falsely accused me of being " bankrupt. '' violation of false allegations, and false statement. 
3. Citi card company intentionally, maliciously intent to block my online username and password, preventing me from paying the remaining {$290.00} which I can pay immediately. violation of customer rights. 
4. Without my consent or authorization, Citi Card Company submitted a balance of {$290.00} to the credit reporting company ( s ). 
5. Damaged my reputation, character and career due to false allegations and false statement violation of customer privacy, and consent act.

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 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EULER HERMES UMA, INC.
State: FL

Complaint narrative:
The company representative have been calling our business, threatening us all the time using abusive language, talking to employees about the debt which they don't have to know about the financial situation of the business. we have tried to reason with him but it's impossible to deal with him. We wrote him and email about reporting him for abusive language and his response have been that we have to pay, which we want to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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:
Early in XXXX I began to receive mail through the XXXX saying I was behind in payments for my XXXX Account associated with my address of XXXX XXXX in XXXX, FL. I contacted them and told them I HAVE NEVER APPLIED FOR AN ACCOUNT WITH XXXX. FURTHERMORE I HAD NEVER LIVED ON A XXXX XXXX IN XXXX, FL. I have owned my own home in XXXX XXXX, FL since XX/XX/XXXX. Equifax began to report this account as delinquent a little bit after they were hacked. I was successful at removing the initial account but now it is with XXXX XXXX, and I have informed them that the account was a fraudulent account and is NOT mine. I have disputed this account over and over with Equifax. It IS NOT my account. I have NEVER lived on XXXX XXXX in XXXX, FL. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have a debt and the collector has begun to call family friends given personal information about the debt and why they are calling leaving detailed messages. Contacted many family members demanding locations and money even thought the collector already has my number and address for them to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This account was opened in XXXX, 2019. It was used only once to purchase {$45.00} worth of mulch at XXXX XXXX 's XXXX, MA location. The account number is XXXX XXXX XXXX XXXX. 

After having not received a bill or the card itself, I called and notified XXXX XXXX that the card was lost or stolen and that no bill had ever been received. 

I subsequently learned that the statements and card had been sent to a wrong address. Despite several calls, at least four, over the next few months, the address was never corrected properly and statements, or the card, were still not received. 

In each of these calls I was told there would be no finance charges or fees. While credits have been put on the account they do not keep up with the finance charges and fees charged which are being levied on finance charges and fees. That should be illegal. 

I paid the bill in full for the amount of the goods purchased on XX/XX/2019. Their representatives take notes. This is all in their records and was so acknowledged in conversation with me. 

The last call was one month ago to point out that the address was still wrong and the interest and fees still on the statement. Again, I was told they would be removed. 

I also asked that they correct the information being sent, wrongly, to the credit rating agencies. The response was that I should call each of them and dispute the account. When I pointed out that it is their responsibility to fix their errors I was put on hold for a supervisor. I am still waiting. That is the second time that happened, the first was when I called and offered to allow a direct debit to a bank account to pay for the initial charge. Their representative could not tell me what that amount was and put me on hold to wait for a supervisor. I am still waiting. 

I have endured inept service, a lack of common respect, harassing calls and damage to my credit score. I would like written confirmation that all of this has been corrected, including rectifying the credit bureau reporting. 

I also sent a letter last month. The answer was non-responsive.

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 2019-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I first opened the credit card I had a higher limit. They dropped my limit which caused my credit to drop as my account appears now maxed out. They said I have to do another credit check in order to increase it again. Now I had a fraud on my account and card. I called to change the bank account. My account was passed due and they never told me on the phone. I have a bank account set up to take it out every month its NEVER LATE!! My auto pay was not set up. Im not working I pay only {$30.00} min payment. The account is over the limit. $ XXXXThey expect me to pay double the min payment plus another {$85.00} to make the account not over the limit. When they dropped my credit limit to begin with. They are not going to correct their incorrect credit reporting unless I do this. I spoke to supervisor on the phone. They have no courtesy to fix for a customer who has never been late. The calls are recorded. I called to make sure my new account has auto pay set up. They didnt do it over the phone. Now my credit shows 60 days past due. Plus late fees!

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 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/29 I was charged a NSF fee of {$35.00} I called Bank Of America to get the fee refunded and was unsuccessful. This is an account that is used to pay my grandmas 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 2019-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I tried to freeze my credit reports XXXX times using Experian 's website. Each time I submitted the online form with correct information, the website displayed an error message saying that my request could not be completed and that I had to mail in documentation. 

I had no issues freezing my credit reports with XXXX and XXXX on the first try during that same time periods. 

Based on the consumer complaints, this has been a known issue for almost two years, ever since freezes became free. 

There is no excuse in this day and age for a financial firm to have inadequate security and technology 2 years after a major breach and new laws being inplemented. Experian seems to be willfully skirting their legal responsibilities by making it difficult for people to protect their identities using the most convenient method ( the internet ).

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a Best Buy Visa Credit Card and am constantly receiving promotional offers for balance transfers only to be declined when applying for this feature. The customer service representatives flat out lied and denied that this offer was available on my account on one occasion. After running my credit they disqualified me for having to many open accounts, which defeats the whole purpose of the balance transfer, because if I transferred all my balances to that one card I would only have one account. The problem is that coerced me into a credit pull, which I normally wouldn't have granted permission for, in order to market they're low interest product only to tell me that I don't qualify. My account with Citibank is in good standing and current. Not only did they violate my privacy by doing this, but they also discriminated against me based on criteria that does not apply to this account. They claim to be compliant and that they are not enforcing another banks policies. This sounds to me like antitrust.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to get my credit report from XXXX, XXXX  or Experian, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!

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 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I recieved a letter from an attorney named XXXX XXXX XXXX in XXXX county regarding Southwest collection services. This is the first I have ever seen from this creditor.It claims I owe a debt. However the Debt is Time barred and has never been collected on before today. I was under the impression that this debt didn't exist as I had returned the Merchandise and then the company XXXXXXXX XXXX XXXX went out of bussiness. I never had any debt with this company. I have not had any open accounts with XXXX XXXX XXXX since XXXX. It is now XX/XX/XXXX and I am receiving a letter from an attorney threatening me to pay something that is far to old to be collected on or I will be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unable to get my credit report from XXXX, TransUnion or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to get my credit report from Equifax, XXXX  or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/2019 I financed a mattress from Matress Firm via Synchrony credit. I never received a card in the mail. My payments were due starting in XX/XX/XXXX. I have had to call each month to request a card. XX/XX/XXXXI called and they said a new card was issued. I am unable to set up an online account because without the physical card they say they can not provide that information over the phone. It is now XX/XX/2019 I still did not receive my card. I called again and the rep said a card was issued in XX/XX/XXXX. So every time I have called they have done NOTHING. I cant see any information about my account and I feel like they are running a scam because its been 4 months and as the consumer I cant see anything thats not right

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
[ Before speaking about my situation, let me say that there are what I believe to be some genuine citibank employees trying to rectify what is going on. This is a very time sensitive situation due to my wife and I needing to close on a home we are purchasing by XX/XX/2019 - possibly sooner. ] My wife and I secured a 3.250 % ( no points ) jumbo mortgage with Citibank ( loan officer XXXX XXXX NMLS # XXXX ) on XXXX XXXX. Days before the scheduled closing date He/They decided to add 1.75 % points to the loan ( approx. {$8500.00} ). we have been to the bank, have made numerous calls, including a message into citibank 's executive response unit ( no response to date ). We have outstanding credit always have, own two homes ( no mortgage ), make 6 figures tax free ( XXXX ) plus rental income of {$7900.00} per month. This extra fee has been explained as many things to us - from " problem w/debt to income '', " you did not disclose home we own '' ( untrue ), " we bought the rate down '' ( untrue ). Every time they gave a reason, we explained them inaccurate - they then would change the reason for the added points. All of citibank 's conversations are recorded including us disclosing our properties. Nothing was every said to my wife or I about the possibility of points being added for any reason ( check phone recordings ). I believe this is occurring because they feel we would not object ( being so close to closing date ). By law, we will have to close. And, we will, but trying to recoup money that is due to us is going to be more difficult after the closing on our home purchase.

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 2019-11-30 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: NY

Complaint narrative:
Not my accounts showing on my credit 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 non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was browsing the Internet for a monetary exchange for an in game currency called coins and I came across this guy. After a short chat he seemed trust worthy and wished to exchange XXXX XXXX coins for {$100.00} ( 99 euro ) and I sent it to him using goods and services on PayPal ( offers buyer protection ). He told me that I needed to send it over Friends and Family ( no protection ) because there was some kind of hold on his money so I did because I have never had any problems with sellers in the past. So I sent 3 payments, XXXX, XXXX, and XXXX and after Id sent them, he kept stalling and did eventually ceased contact with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30 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: NY

Complaint narrative:
Not my accounts showing on my credit 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 2019-11-30 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: NY

Complaint narrative:
Not my accounts showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've been paying my mortgage from XX/XX/2006 and it us not currently reporting to my XXXX  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 2019-11-30 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: NV

Complaint narrative:
There are accounts listed that aren't mine. Please have them removed.

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 2019-11-30 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: NV

Complaint narrative:
There are accounts listed that aren't mine. Please have them removed.

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 2019-11-30 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: NV

Complaint narrative:
There are accounts listed that aren't mine. Please have them removed.

Company response to consumer: Closed with explanation