vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our  apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours.

Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles. 

it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner? 
i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
CONSUMER FINANACIAL PROTECTION BUREAU. 

I am banking with HSBC in the California.XXXX.Brances. 
I have a Saving.checking, creditcars, debit card with HSBC. 

I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC. 

HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow. 
Also HSBC is not provided XXXX pc compatible mobil software solution. 

LISTED ERRORS. 
1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX  cant find the server www.services.online-banking.us.hsbc.com. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found. 
XX/XX/XXXX. 


I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX. 

I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau. 
I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a Citibank credit card for 20 years and the last month I paid the payment twice in a single month. When I got my next statement I was charged a late fee simply because the second payment didnt fall after their statement date. 
I spoke with them and they acknowledged they see the two payments but refused to remove the charge.

This is simply forcing me as a consumer to fall within the limitations of their technology to recognize I am NOT late and I paid them two payments. You would think logic would play a role here but no, Citibank like the rest of the financial institutions has no regard for customers or common sense. 

I as their customer and an upstanding member of society am now punished for paying too quickly. This is not to mention this will appear as a 30 days late on my credit. This is just plain wrong and dishonest.

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 2019-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have filed numerous complaints with Navient, my lender on behalf of the loan service practices. in XXXX of 2011 my loan originated at {$10000.00}. 
I have paid over {$18000.00} and my Private loan is STILL at {$9800.00}. I contacted the Ombudsman office and received a letter Case # XXXX from the Navient office of the Consumer Advocates XX/XX/XXXX Stating that my Borrower defense to Loan repayment loan I have been filing for Discharge because the school was shut down has been put on administrative forbearance until XXXX for my Federal loan. I spoke with XXXX XXXX on XXXX about my Private loan which is apparently accruing {$3.00} /per day interest. As she repeatedly said " The documents you signed '' through Sallie mae / now Navient with a 11.25 % rate Variable of course is the reason of the loan not getting paid off. I am 100 % sure this is why Sallie Mae was shut down. XXXX stated I can get a loan with an outside company to pay this off and pay on that I start all over again I know this is preditory lending and I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: OH

Complaint narrative:
Fraud : XXXX XXXX XXXX Fraud : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX Fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Did not inquire this company : Fraud XXXX BRANCH VIA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION

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 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: Innovis
State: NY

Complaint narrative:
You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: TX

Complaint narrative:
This company Joseph Mann & Creed is trying to collect {$97.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Joseph Mann & Creed with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Joseph Mann & Creed. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Joseph Mann & Creed. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I have a capital one credit card. 
I paid the total statement amount 2 days before the bill was due. 
I received a email today that my account is past due. When I contacted them they said they payment was returned and so they are refusing to even consider waiving the late fee and interest they slapped on. I spoke with a few people and they all where not helpful. I also dont want this going on my credit report as I paid this bill on time and did my part. Thank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
XX/XX/19 PayPal didnt do anything Fraud for {$230.00} Of someone in a different country. 
There was no option to stop payment quickly or cancel transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my account in XXXX and refuses me access. I have been trying again the last few months with XXXX XXXX branch and I have to chase them down and they respond cant find account when I literally give Citibank papers with account number. They LIE.

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 2019-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
My problem is with Freedom Mortgage Co. XXXX XXXX XXXX,. XXXX, Ind. XXXX I have sent additional monies to be used for principle only but they always apply the payments as regular payments with most of the money going to interest. Many phone calls and I never got satisfactory results. I was told I had to send my money to another address but the results were the same. Finally after getting very rude and ugly, I got one lady that helped me. There was approx. {$4800.00} and six payment over a two year period. One payment of {$600.00}, check # XXXX written on XX/XX/2017 was not reversed and applied to principle as should have been. I was told they could not change a payment that far back because there was a Federal Law that prohibited them from making a change to an account with a payment that far back. Many phone calls to Freedom mortgage and I could not get any satisfaction. These people are dishonest. I followed their guidance of writing for principle only on my check and even highlighted it but they always applied the extra money to interest. Can you help?

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 2019-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAP ONE AUTO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
WSFS Falsely charging me on an overdraft after my accounts have been closed

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 2019-10-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In the first dispute letter I sent to Equifax I stated : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Equifax never validated the debt, now they're saying they will not be conducting further investigation into this particular account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation