vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 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: FL

Complaint narrative:
On XX/XX/2018 I went into a payment arrangement with Citi Cards on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.

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 2018-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXX, the loan servicer for XXXX XXXX, received my loan payoff via wire to their bank on XX/XX/XXXX. The payoff amount was given to me on XX/XX/XXXX by a different representative. The online activity statement shows the payment posted to my account effective XX/XX/XXXX.Their call center representative and supervisor said they posted the payment effective XX/XX/XXXX and therefore charged me 2 extra days of interest ( XXXX and XXXX ). They attempted to rectify this by offering to adjust for one day. I communicated that was unacceptable. Then the supervisor offered to take the full adjustment for approvals, but that wasn't certain. I'm concerned they are post dating loan payments and unwitting students and parents are over charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) XXXX has not marked the account on my credit report as " Disputed  '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX  account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax Credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, your credit limit was reduced to a total of {$200.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/XXXXto notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter. 

I never applied for an increase so the nothing should have been reported from any credit bureau. I never agreed to having a credit limit of {$200.00} and would like my card increased back to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have spoken to company, XXXX XXXX XXXX XXXX XXXX. about this incorrect information on my credit report on or about XX/XX/XXXX also sent an email on the dated XX/XX/XXXX.This information was  sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
XXXX XXXX XXXX stating that the company has decided to make XXXX XXXX XXXX XXXX., ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/XXXX. XXXX has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, 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 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bayside Capital Services, LLC
State: MA

Complaint narrative:
I have received several threatening calls, my employer received them as well as family and EX family. I have repeatedly told them if they have something for me to feel free to mail it to me certified mail and I will be happy to respond but to never call me or anyone involved with me again. They have continued to call. When i confronted them they asked m in a laughing tone if I was sure I knew the law regarding what they were doing and I said I did. They mocked me and laughed and said they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
continuing from complaint XXXX. I don't know if you guys know I am a a victim of identity theft and im already registered through XXXX as a victim. Thank you.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank  account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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: NC

Complaint narrative:
I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.

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 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Went to apply for a job and was informed I owed XXXX for an account that was opened with Bank of America. I don't understand why I would owe when I am part of a class action lawsuit against bank of America I tried reaching out to the bank and which they informed me they couldn't locate the account. This balance were fee accesses

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 2018-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, my compliant is regarding XXXX XXXX, Loan Processor with City Worth Mortgage. During my working with XXXX XXXX there has been several mistakes ( not completing employment verification in a timely matter, not following up with landlord for documentation, not explaining how overtime would effect the home purchase process and not returning phone calls ) that he has done throughout the mortgage process of trying to purchasing a home. Tuesday, XX/XX/2018 around XXXX my Realtor who has been working with to closing on house ( XXXX XXXX XXXX XXXX, TX XXXX ) called to inform me that XXXX XXXX told him the deal cant close because of my overtime. This angered me because he never told me that my overtime was a factor into me getting this home. Also, he talked about needing to have 1 year of overtime history without my knowledge. My agent told me that XXXX told him that him and his processor overlooked a form that supposed to be filled out by my place of work but they overlooked. City Worth Mortgage with the many errors and delays by XXXX XXXX has made me lose my Earnest Money {$2100.00}, Option Money {$150.00}, Inspection {$450.00}, Appraisal {$600.00}, missing about 4 days of work to make sure everything is completed without any problems. Also, I am paying month to month because I was told by XXXX that we were on schedule to close for XX/XX/XXXX. 
Below are everyone who was involved in trying to close of my home that I really wanted but due to miscommunication, lack of information and no follow up I have lost the home and I have to start all back over in looking for a home again. Please help! I can be reached at XXXX XXXX XXXX, Loan Processor XXXX XXXX XXXX XXXX, Closing XXXX XXXX Ext : XXXX XXXX XXXX XXXX, Processor XXXX Ext : XXXX XXXX XXXX XXXX, Mortgage Banker-Team Lead Cell # XXXX Office : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, a phone call from the number XXXX XXXX XXXX, a woman says she is form CITIBANK, without the verification of the identification of the phone-caller, she asked me about my mother 's work. I replied her that My mother works for the government in XXXX and I could not tell you the detail now, I need to ask my mom, and we met an agreement that she can give me a phone call later in the next day. They didn't call me later at all and list my mom as dangerous person, then they locked my account ( debit and credit ) without informing me, which is unreasonable. I am angry! The CITIBANK CHECKING ACCOUNT is the only one I have in US and I am on my road trip, I couldn't even fuel my car.

Yesterday I have already replied them and they tell me there should be another 4 business days to process it. I have more than 17 thousands dollar in my account and I could not do anything including pay for my CITIBANK CREDIT CARD, AND THEY WILL CHARGING ME IF I DIDN'T PAY IN TIME. 

There should be not rights for them to ask my privacy such as my mom 's work. It's very nice to agree CITIBANK to give them my mother 's working information.They not only collect my information illegally but locked my account illegally. 

If The CITIBANK just want to collect my information, why don't they give me a phone call first and then give me an email or a URL to fill-out a form at the beginning? That would be clear if you really want my information in detail.

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 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A female who refused to give me her name but claimed to work for Wells Fargo Bank Fraud Department called me out of the blue & asked me to " verify myself '' ( give her some SENSITIVE personal information on the phone ). After I explained that SHE NEEDED TO VERIFY HERSELF FIRST ( I asked her to send me a SECURE EMAIL so I would know she really was with Wells Fargo Fraud Dept & include her name and call back info ) THEN I would be  happy to answer her questions. SHE DID NOT object to that at all she just said ok and hung up ... so then when I went to LOG INTO MY ACCOUNT to READ My secure emails their computer would NOT allow me to log in it said " online access is unavailable ... call bankers 24x7 '' so I called a banker and spent an HOUR on hold speaking to a Banker and a SPERVISOR both who said the account was LOCKED and they could NOT UNLOCK IT ... only the fraud dept can do that. So then I tried replying to an UNSECURE email I had got from wells fargo but I got a return message that they would NOT EVEN READ that since it was not secure ... I should LOG IN FIRST then send them a SECURE EMAIL ( since I was LOCKED OUT NOW I could NOT DO THAT ), so I tried calling the number in my caller id which the lady called from and asked for a supervisor there ( said his name was XXXX ) ... and after i explained all this to him HE REFUSED to send me a SECURE EMAIL like I said to start with ( to VERIFY HIMSELF - as I explained any SCAM OPERATOR could have got me LOCKED OUT simply by logging into my account multiple times then demanding I give them my sensitive info to open back up ... so HE STILL NEEDED TO VERIFY HIMSELF as a bonafide Wells Fargo employee ) so in the end he said go to a bank & verify myself to get the account un-suspended. I demanded that he send me a letter, so we'll see. The worst problem is they NOT ONLY SUSPENDED me online access to my account but they ALSO SUSPENDED use of my debit card and CHANGED MY PERSONAL PREFERANCES from ONLINE Stmts to PAPER STATEMENTS ( this means Wells Fargo will CHARGE ME MORE/Higher account fees ) so if this was NOT a hacker/scammer to start with it sounds like a SCAM by WELLS FARGO to make UNAUTHORIZED changes to customer accounts & charge them MORE FEES. They MUST BE REQUIRED TO VERIFY themselves FIRST before DEMANDING Sensitive information from customer, blocking access to their accounts, blocking access to CASH, and making unauthorized changes that generate MORE FEES for their banks ... ALL by the way when there is BEEN NO FRAUDULENT ACTIVITY on the account ( I just logged in a few days ago and I saw NOTHING looked wrong at that time ) ...

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 2018-06-19 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: PA

Complaint narrative:
spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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 reached out to XXXX XXXX and asked for proof to show this account was mine, they didn't provide proof. From there a letter was sent to them asking them to please remove this account from my credit report. I explained to them the account wasn't mine and that I live in a rooming house and with the turnover in.the property I coupdnt file a police report because I didn't know I who it was. Midland has failed to provide proof of ownership.

Company response to consumer: Closed with explanation