vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.

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 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I  have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told me.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc.
State: CT

Complaint narrative:
I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!

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 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX Unauthorized Transactions and 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 explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I have a student loan with EdFinancial services and have been planning on getting PSLF loan  forgiveness. When I consolidated my loan I told the lender that I was planning on this and I asked which plan would work. They put me on the Graduated Repayment plan. I just contacted my lender to verify that I have made 120 qualifying payments and they told me that the payment plan that I am on does not qualify. As a result I owe a large amount of money that I was expecting to have forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 submitted a complaint with Experian for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, experian is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

XXXX also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.

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 2017-11-28 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I reported unauthorized charges on this account and Barclays is billing me for this fraud charges that occurred on this card. LUXURY CARD ... XXXX. 
The balance should be XXXX. I have been on the phone with Barclays and I have been passed to department after department with no help on this matter.

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 2017-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My mother XXXX and has an outstanding home equity loan. 

We have been making attempts to pay towards it. 

The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? 

If they could just work with us, and stop the threats.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting in XXXX 2017, Citibank changed the way they handle payments on their credit cards. In the past, if you paid more than the minimum payment before the due date, it automatically cancelled the minimum payment autopay feature that I had set up. Starting this XX/XX/XXXX, even if I pay more than the minimum payment, Citi will still charge the amount of the minimum payment on the due date. 

It is my belief that they changed this rule to make it harder for consumers to complete a monthly payment and not be charge a fee. For example, if I take autopay off, I risk missing a payment and being charged a late fee and an increase in my APR. But if I keep the autopay, forget that I will be charged again after paying more than the minimum payment before the due date, and do n't have enough money in my checking account to cover the minimum payment, I will be charged a fee by both Citibank and the bank where I have my checking account ( because of NSF ). 

This is unfair and I hope Citibank reconsiders changing the payment process. I have submitted a complaint via a customer service representative, but the company has not followed up.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened new XXXX Simply checking account in XX/XX/XXXX with account # XXXX. I made my first two bill payment on XX/XX/XXXX for {$29.00} to XXXX bank and {$25.00} to XXXX. On XX/XX/XXXX I got call from XXXX that my payment has been rejected due to inactive account. I said my account is active and has {$20000.00} balance. Upon further review they said they have paid both bill out my old account ending in XXXX rather than ending in XXXX. I said I only have one simply right checking account ending in XXXX. ( XXXX ). On XX/XX/XXXX bill pay account was corrected and both XXXX bank and XXXX were paid correct amount. However, XXXX charged {$25.00} returned fee and XXXX charged {$50.00} for returned fee ( {$25.00} twice ). For your review I have attached the {$75.00} charges statement. XXXX have credited {$25.00} fee however XXXX is not crediting {$50.00} that was charged by two times of {$25.00} charges on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: FL

Complaint narrative:
There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: GA

Complaint narrative:
I submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.

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 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I HAVE TOLD THEM NUMERUS TIMES TO QUIT CALLING ME AND THEY KEEP CALLING ME ON MY WORK PHONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: FL

Complaint narrative:
I made a dispute with Equifax and XXXX XXXX regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX of 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: OR

Complaint narrative:
Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}

Company response to consumer: Closed with explanation