vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 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: NV

Complaint narrative:
I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 2017-05-28 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: NJ

Complaint narrative:
I  have asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts 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 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ivy Street Development Corp.
State: NY

Complaint narrative:
XXXX   XXXX   Military  XXXX ,  Veterans Administration are yea rs behind paying medical bills that they are responsible f or. Hospital, and their Attorneys put a l ean against my home. Plus I have partial  XXXX , have had  XXXX  for a short period of time. I have always had  Insurance. It 's not my fault that my Insurance is slow paying this dept, and I should n't be held responsible for this dept in question. Thank you for your time, and your cooperation with this matter. Hope to here from  you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
<P/>
I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 2017-05-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in XX/XX/XXXX 7 ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX  for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
<P/>
I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due t  XXXX   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX  I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
<P/>
I was finally notified the week of  XX/XX/XXXX  via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 2017-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
We purchased our house without any knowledge that the property had issues with severe flooding and have made several attempts to make several of the mortgage companies that we have had over the years.
Apparently severe flooding issues with a property do not matter much. One of our mortgage companies was   XXXX   XXXX    after we provided kondaur with photos of the flooding and at the end of the day we wound up in a forbearance agreement which we completed in hopes of having a more affordable monthly mortgage payment but after we made our last foreberance agreement payment our mortgage was promptly sold to   XXXX   XXXX   and after still having issues with property flooding yet again we are being asked to do another forbearance agreement for 24 months and we would be doing this WITHOUT the knowledge of what happens after the 24 month period. Instead of this company offering us a realistic and affordable way option to get on good terms they have all Of our financial information and are well aware of our financial capabilities. So in short we are interested in some kind of resolve that would be realistic and actually allow a family of five 3 of which are in school from elementary school thru college we also WANT them to come and physically come and inspect the property so they can justify the value they have placed on it. We think that   XXXX   XXXX  l deceived   XXXX   XXXX   when it was purchased we seriously very much doubt that  XXXX  disclosed the flooding issues this property has. And if in fact that is the case that would mean that   XXXX   XXXX   would have a legitimate Compliant that they could pursue with   XXXX   XXXX  . When you view the photos that are uploaded for review we like someone to explain and justify NOT being able to come to A Reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: MD

Complaint narrative:
XXXX  improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in    XXXX    2017   , with the subseq uent three m onths showin g 30-60-90  days late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017  ) showing no amount due and no late payments. The  XXXX   2017  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agenci es (  XXXX , Equifax and  XXXX  ) wa s to remove the single 90 day late for  XXXX     2017  from credit report and not remo ve the 30 a nd 60 days late for  XXXX  and  XXXX   2017  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: MD

Complaint narrative:
XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .

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 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: ID

Complaint narrative:
In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.
I do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: NJ

Complaint narrative:
I have asked Transunion to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Secti on 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosur e. My first request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . My second request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Transunion has denied my right as stated on FCRA. I ask you to step in and demand Transunion to follow the law and provide me a complete file disclosure for the disputed accounts 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 2017-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Sir , Wells Fargo  Bank in  XXXX  recieved until  XXXX  from  XXXX   XXXX   .  (  XXXX   XXXX  ) I asked  Wells Fargo Bank via  Email for acces to my Money.  XXXX   XXXX   from  Wells Fargo Bank gave  me not any Information how i can get acces to my Money.please note i have not account wit h Wells Fargo Bank but   they have taken over Money yet.      XXXX .    Wells Fargo  Bank  XXXX   XXXX   XXXX  Ga  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