vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there. 

Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX   complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
re Citi Thank You Preferred Card master card via Citicards - account number ending XXXX ( now ending XXXX ) on XX/XX/18 a charge was posted to our account for {$140.00} by a company listed XXXX ( out of XXXX XXXX ). My husband 's XXXX " froze up '' that day and the company called him, saying " ... our virus protection had expired ... '' and we needed to buy this protection right away from them, because it could affect the other XXXX and the XXXX, all XXXX products. My husband was wary of the salesperson 's authenticity, so the sales person said our credit card company would call to verify the charge - and, sure enough, our land line rang instantly saying they were Citi cards verifying the charge. He felt that was ok, and ok 'd the charge. He was alone and worried about the equipment, so gave this company our cc #. 

When I got home, I knew instantly it was a scam - we've NEVER purchased virus protection for our XXXX products. You don't need to. But to be safe, I called XXXX and told them all that had transpired, they switched me to the fraud section and were very concerned a company was doing this so cleverly, especially having the presumed cc company call, because XXXX acknowledged no such virus protection is necessary with their products. 

The next day, knowing this was a fraudulent call offering a product under false circumstances, I called Citi for a chargeback. The CS Rep said no problem, we'll do that and send you a new card, because it appears the XXXX XXXX company made three attempts to put it through and now had the number. 

It's now XX/XX/XXXX and no chargeback or further communication from Citi - so, I called today to see what was going on. One CS Rep sent me to their " fraud division '' in XXXX, the second call resulted in the rep saying, basically, nothing could be done because " ... you can't just take money back from a company. '' She switched me to a " manager, '' who said she was going to check into it and put me on hold while I was trying to talk with her. And no one from Citi has called back. I explained what transpired over and over again, even with XXXX response but nothing.

Speaking with Citi is an exercise in futility, and I'm furious at the way we've been treated by several of the reps - with NO RESOLUTION! We've been a cc holder for 20 years and average $ 3-4,000/per month in charges. We're solid customers. They owe us their allegiance, not some unknown company that's shilling false sales information to unsuspecting people. 

We need help from an outside agency for this unresolved problem with Citi cards.

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 2018-04-30 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: GA

Complaint narrative:
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Experian address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts :  Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX   Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX  Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : PXXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA 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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XXXX I have applied for a modification. I have been asked for my paperwork over and over again and then some more. Then asked again for the same documents. All the while threatening me with a sale date which is contrary to federal and state law.. I am a nervous wreck

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: PA

Complaint narrative:
I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute. 

This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XXXX through XXXX, there was fraud on my bank business and personal bank accounts. I had checking accounts, saving, credit cards and a couple other accounts. The fraud took thousands of dollars from my accounts. Which I reported, because I did not recognize transaction and or withdrals. I did not authorize any of the fraudulent transaction. Bank however offered to help me in the beginning but eventually decided it was me and I couldnt do anything about it. I was forced to pay off thousands of dollars.I asked to copies of statements and other forms of all my accounts, including previously closed accounts due to fraud. However, I never received anything. eventually wells fargo representatives ignored me and or claimed all of the transactions were done by me. I asked for proof but was denied. Wells Fargo claimed I was responsible for every and all transactions on all of my accounts, Including {$800.00} cash back transactions at an out of state XXXX. I argued that when you request cash back, there is never an option or possibility of more than {$200.00}. Atms only allow you to withdral about $ XXXX {$600.00} per transactions. There were also withdrals made at a branch every other day, which I never withdral cash. It was a business checking account used for my business expences ( pay bills, vendors and other business needs ... not to use as a personal account where one usually makes deposits and withdrals ). The individuals involved in the fraud had access to my accounts online. They would pay off credit cards using any and all of my other accounts and max credit card out with in a couple of days, and pay it off again.

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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I get repeated calls from XXXX. Multiple calls per day for the last month. 

They leave a message asking me to call back XXXX. 

The voicemail is vague, saying they are from XXXX XXXX XXXX or United Collection Bureau with an attempt to claim a debt. 

It's very suspicious. I talked to a rep once and asked them to mail me the information. They just kept repeating generic info and were trying to get personal info from me that I was not willing to provide. 

I asked them to mail me and stop calling as I do not believe this to be a legit debt collector. 

I would like their calls blocked as it is harassing. Please also look to add this number to your radar of suspicious/fraudulent/criminal callers. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
The lender stole my principle and charge ridiculous " lend paid expenses '' without any notice during both XXXX and Mr.cooper transferred loan service. I have tried to contact for 3 weeks. they stated they investigate each other for long time. I have required Mr.cooper to correct the mortgage statement ( XX/XX/XXXX ). 
I did Loan modification on XX/XX/XXXX. 
new principal balance : {$280000.00} include ( Interest Bearing principal balance : {$220000.00} + Deferred Principal Balance : {$600000.00} ). Pl. see attachment ( loan modification ) I had paid the principal {$46000.00} to XXXX from XXXX. 
Pl. see attachment ( XXXX XXXX page1-9 ). 
Actually all principal were deducted to Non-interest bearing {$60000.00} ( deferred principal turned to advanced principal ). 
XX/XX/XXXX reversal to {$14000.00} to Bearing Principal balance ( {$240000.00} ) Pl. see the attachment /XXXX  page 9, bottom line. 
We have paid the principal {$230000.00} from XX/XX/XXXX to XX/XX/XXXX. 
Pl. see the attachment /mr.cooper. 
Until XX/XX/XXXX we have {$9900.00} balance. add {$60000.00} ( see attachment New file ) New principal balance : {$280000.00} - {$46000.00} ( XXXX XXXX ) -  {$230000.00} ( Mr. Cooper ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$9900.00} Due they don't response my email and answer my call. I require pay off letter by online. 
I got pay off letter on XX/XX/XXXX. {$60000.00} turned to Lend paid expenses ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
Receivables Outsourcing is calling from XXXX and leaving messages for a personal friend. ( Most recent call XX/XX/2018. ) He does not and has never lived at our address. This is not a coincidence, but a deliberate tactic to embarrass him into paying a fee or debt. I have no idea whether he owes something or not but I have no intention of raising the subject. It is neither legal nor ethical for them to call us. My privacy was probably breached for this company to obtain my phone number to make these harassing calls. As a retired bureaucrat, I would much rather let them experience my wrath than involve a dear friend. Please ask them to stop. 

If you need the recording the company is leaving, let me know. My husband and I are retired and are happy to talk with your staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: U.S. BANCORP
State: WA

Complaint narrative:
US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2016, shortly after XXXX XXXX XXXX merged with XXXX, I was provided the opportunity by XXXX XXXX XXXX to combine the billing of our XXXX Account with our XXXX XXXX XXXX XXXX Internet and XXXX Account at a reduced cost for our XXXX service. Since our XXXX XXXX XXXX XXXX account was in my name and our XXXX account was in my wife 's name, the XXXX XXXX XXXX representative said she would need to change our XXXX account from my wife 's name to my name in order to combine the billing of the XXXX account with the XXXX account. Instead of using my new XXXX account to combine the billing, the XXXX XXXX XXXX representative mistakenly used my wife 's account to combine the billing. This caused the XXXX payments to continue to go to my wife 's account and the new account, which was set up in my name received no payments. As a result, the account set up in my name became delinquent and XXXX sent my account to a collections agency. The attached documents show the efforts I have made to try to correct this problem with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. 

When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations.

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 2018-04-30 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: Clarity Services
State: MS

Complaint narrative:
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called XXXX XXXX XXXX for an alleged payday loan. I have never had a payday loan from any company yet Clarity stated that it had been verified without providing any tangible and legal proof. My contact at Clarity is a lady named XXXX and her number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
The problem that I am experiencing is that I am unable to apply an economic hardship or forbearance option without first paying {$50.00} up front to Navient, the current loan servicer. This flies in the face of what the forbearance or deferment is supposed to offer which is temporary payment relief. My current payment is ~ {$70.00} per month so I am actually paying Navient back, almost, for at least one month of the forbearance or deferment. This practice does not seem to be in the interest of the consumer but rather an opportunity to exploit a hardship, especially for those whose monthly payments exceed the up front payment amount, making this almost a ransom for use of deferment or forbearance. I may be wrong here as none of my government loans or other private loan holders impose this fee. Any information or investigation into this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased a pair of products online on XX/XX/2018 for {$27.00} each. The company provided the wrong kind of product, so I contacted Bank of America to open a fraud claim for " products not as purchased. The investigation by BoA found no wrongdoing by the company, even though I have documented evidence of the company 's mistake. Bank of America has now withdrawn the provision credit they provided and it has overdrafted my 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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
The subject debt was incurred on XX/XX/XXXX for a XXXX XXXX. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California XXXX tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in New York inXX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX, XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The XXXX XXXX, XXXX XXXX, XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}

Company response to consumer: Closed with explanation