vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-14 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: CITIBANK, N.A.
State: NH

Complaint narrative:
CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.

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 2017-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The company told me that I owed a debt from  XXXX  insurance from  XXXX     2014. Since  I am trying to keep good credit I just decided to go ahead and pay the amount, however the representative I spoke to on the phone told me I could pay I lesser amount and they would consider the debt resolved. The representative also assured me once I paid the amount it would be removed from my credit report. I upheld my part and paid the amount and after several weeks the account was and is still being reported. I called the company and the person I spoke with told me it had n't been deleted because I did n't pay the entire amount, which was only a difference of {$20.00}, that I would have gladly paid in order for it to be deleted. The company mislead me to pay an amount less than what was owed and continues to refuse deletion, even though they promised to delete. I do n't even recall having insurance with   XXXX   i n 2014 a nd only paid to salvage since it was n't very much otherwise I would have disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: GA

Complaint narrative:
I had a tax lien placed on a property I no longer own back in  XXXX . I paid the lien in  XXXX . It is only showing on Transunion and I have asked them to remove this from my credit report and they will not.

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 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have a current mortgage contract for a fixed 2 % loan and the lender arbitrarily changed my interest rate to 8.625 %. My monthly payment has been {$540.00} and the lender has now raised it to {$2000.00}.   I have contacted the lender by phone several times to resolve this matter but they are unable or unwilling to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: FL

Complaint narrative:
Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.

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 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN

Complaint narrative:
I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is  XXXX   XXXX , and my bank number is :  XXXX  I have visited a website called  XXXX    XXXX   XXXX   XXXX  . It says : " free counseling online '', while in fact, it is a lie. It deducted {$150.00} from my debit card  three d ays after since I entered my bank account. I found the information about refund after being shocked at my bank account :  XXXX  :  XXXX  However, before I enter my bank account, I am not informed of it at all. I pretended I am a new customer and visited the website again. I found the member agreement does not mention the policy that is described in this website at all! I did n't know I will be charged after three days if I do n't cancel it and I can not get the refund because this website receives the customer that it 's free and does not mention the policy at all!   This company is :  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,    XXXX   Virginia

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: NH

Complaint narrative:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

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 2017-05-14 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: NH

Complaint narrative:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3  failed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: NH

Complaint narrative:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility  for 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

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 2017-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I re-applied for  a Loan Modification f or the second time in  XXXX   XXXX  and was denied on  XXXX   XXXX ,  XXXX . I appealed that decision and received a letter dated  XXXX   XXXX ,  XXXX  ( see attached ) confirming that denial. Chase continues to assert that no error has been made.     I followed up with a QWR request ( see attached ). A lady from the Executive office called back after 10 days, and I have not heard from her since.     Chase has denied me a loan modification citing that my condo in  XXXX  is not my primary residence and hence that disqualified me from all HAMP programs offered by  XXXX   XXXX . I was also denied because  XXXX   XXXX  does not give forbearance since the condo is a rental condo now. Basically I was denied all and every loan assistance base on high  DTI  but primarily was never considered for loan assistance because my condo is a rental condo. I beg to differ.     I occupied my condo   XXXX - XXXX  . When I did not get any loan assistance, I was compelled to look for a job in another city. The fact that I relocate for a job does not change the status that my home is my principal residence and is still being paid for, maintained by me. Under HAMP guidelines, if I relocated for employment does not change the status of my principal residence. Ever since I relocated for a job and being under prolonged unemployment, I have not been able to purchase another home in another city either. I am a displaced homeowner after the recession o f  XXXX - XXXX .      This is an ongoing issue of continuing negligence on the part of  Chase in processing a HAMP. Chase  refinance my loan at  XXXX  in  XXXX   XXXX . However, I made an additional investment of $  XXXX  with a family loan to gut and renovate the condo. This resulted in the  Condo Valuation  of {$240.00} when Chase refinance the loan in  XXXX   XXXX . The valuation of the property did not go up with market forces from purchase to refinance in just 5 months. Chase abused the inflated valuation of  XXXX , and chose not to do a valuation when I applied for a loan mod in  XXXX   XXXX  because the effect of the recession would have impacted the valuation and if they sent me a valuation then, I would have had an opportunity to point out that the high home equity that now was far above  XXXX  of the mortgage basically included a separate investment to gut and renovate the condo.     Chase deceived me and preferred to use an inflated valuation of  XXXX  instead, and used my Home Equity percentage to deny me a loan modification in  XXXX . I bring this up to demonstrate a continuing pattern of negligence and receipt.     I have been denied access to cheaper credit that was offered via a Federal program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
When I realized I was struggling to pay off this loan, I attempted 3 times to contact the company regarding the issue. I was informed that they got my email, but they refused to talk to me further about ways to resolve the issue. Instead, they continue to charge me finance charges every 15 days, now almost doubling what I currently owed. Another loan that I received have worked with me in resolving this issue, b ut Big Pictures did not, and refuses to. I am now working with a credit resolution in an effort to try not to file bankruptcy. Big Picture L oans is a company that is impossible to contact and does not respond to my emails except with form letters. They do not allow you to pay off your loan but instead implement a new application each 15 days with a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I rejected the response fro m Wells Fargo  on  XXXX   XXXX   2017 to c omplaint #  XXXX  and WF closed the case before I could respond to their response. I would like CFPB to forward this rejection to WF for the original complaint To  XXXX   XXXX  at WF, I DO NOT once again accept your explanation and response of  XXXX   XXXX   2017. FINALL Y, you have provided the fee schedule that I have been asking for the last 6 months. It now confirms my long standing issue that in addition to the {$16.00} fee for an incoming international wire ( per the fee schedule but waived for me as a premier customer ) there was another {$30.00} deducted from my  XXXX  transactions each that is NOT in your fee structure and thus UNAUTHORIZED and UNACCOUNTED. You again claim ( like   XXXX     XXXX  and   XXXX   XXXX   from your department ) that I should contact the intermediary bank.  XXXX  IS THE INTERMEDIARY BANK. You three " Senior Correspondence Specialists '' might learn from your junior colleagues a t WF (  "  XXXX   XXXX , my Branch Manager at the  XXXX   XXXX   XXXX  and a person in the wire department that clearly understand that WF is the Intermediary Bank and owe me an explanation ). On top of that, the three of you do not want to call me to clarify and instead keep sending me long winded responses in irrelevant and inaccurate self -praise of customer service hoping to bury the real issue. You could call  XXXX   XXXX  to understand what I am asking for! But you do not want to do. So I have to believe there is a definite intentional effort not to respond to this issue of transparency by WF. You will not tire me out in pursuing this. I want to make sure this is not systematically happening at WF. With thousands of wire transfers thru WF per day, this charge could amount to millions of unauthorized collections from unsuspecting consumers. I am now going to contact main stream media watch dogs to pursue this further.  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 2017-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted, and my  credit score i ncreased. The very next week, all of the inquiries were reinserted to my credit report without prior written notification in direct violation of Sec  611 of the Fair Reporting Credit Act. I a m requesting that the reinserted inquiries be permanently removed from 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 2017-05-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On   X/XX/17     at  XXXX   XXXX  PST, I calle d Capital One  Credit Card fraud dept. to report a fraudulent pending transaction of {$16.00} at FASHION OPTO on my account right after I received a phone alert from Capital One Wallet app. The person who took my call did not immediately reverse the transaction or did anything to stop it. Instead  Capital One  let this fraudulent transaction through to have it posted on my account. Today,    XXXX     , I called the fraud dept. back and was told by the fraud dept. rep that I must wait for  30-90 da ys in order to resolve this transaction.     Why should a victim, like myself, must pay for the transaction first then wait fo r 30-90 da ys whereas  Capital One  fraud dept. could have done something at the moment they got my phone call to prevent the transaction from going through the approval process? How could customers, like myself, trust   Capital One in protecting us from fraudulent activity?
I would like Capital One to quickly resolve this transaction so I can get my money back. I also would like Capital One   management to re-evaluate their process and procedure in investing fraudulent activities to improve and ensure customers ' best interest. Lastly, I want to bring it to other customers attention and awareness so they can be more informed in their decisions should they be interested in using ( or continuing using  ) credit cards issued from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     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 2017-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX

Company response to consumer: Closed with explanation