vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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 — Problem with personal statement of dispute
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. 

On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. 

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. 

On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. 

On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. 

I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Primary cardholder died on XX/XX/XXXX. I notified Citi-Bank by telephone shortly after - and the account was summarily closed. I requested a final statement. I began receiving phone calls from XXXX XXXX  which I did not answer - as did other family members - nor did I respond to their letter. There is no probate estate - there is a living trust - I am the surviving trustee and administrator of the estate. 

I called Citi again - explained the trust and requested a statement so I could pay the final bill. I was told they could not provide one. 

I wrote a letter to Citi on XX/XX/XXXX requesting a statement and received a " we'll get back to you '' letter dated XX/XX/XXXX. There has been no further communication from C

iti - but I now receive daily calls from Client Services - which I have blocked. In my opinion it is Citi 's responsibi
lity to provide the statement which I am quite sure these collection companies can not do and it is reasonable to request the details of the final account statement. I would like the harassment to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The medical debt collection agency calls at least once a day, sometimes twice. sometimes they are robo calls, sometimes a live person. the number they call from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: OH

Complaint narrative:
XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.

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 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove 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 2018-04-06 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove 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 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: MA

Complaint narrative:
My name is XXXX XXXX. 
I visited Mt XXXX XXXX center on XX/XX/2015 to get stiches on my forehead in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, Nationwide recovery systems from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with Chase Bank on on or before XX/XX/XXXX where I transacted a couple of times. I received a letter dated XX/XX/XXXX stating that my account could no the opened due to my credit score. I question the motive behind the closure of my account since I had already received in the mail a welcome letter which included my debit card. I'm in the XXXX XXXX for 28 years and do believe that banking institutions have regulations you are here to uphold as e do in the XXXX XXXX XXXX. Why would they open my account which I asume all relevant due diligence was conducted during my application process, a credit report take s 2-5 minutes to run by man hands, in the event they uses and automated process takes seconds. I question the moraine when Chase bank sends me a letter dates XX/XX/XXXX in response to my complaint call on the XX/XX/XXXX same month. The letter states " The agreement between us either you or us may close the account for no reason. later in the letter they state we are not required to give you a reason for the decision to close your account. when you state originally that the reason for the closure of my account was my fico score which you could have known or did know at the point of my application, why then wait till I used the account, close dry XXXX XXXX XXXX account to leave me with our my money or account. I believe this requires further investigation in your part. I will respect your funding positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Today XX/XX/XXXX a debt collector agency contacted my family members and told them for which company they worked, and how much was owed on my account. I am unsure all the details but they called my family in looking for me with a number I was given XXXX which said they were American Express and the amount they stated was actually above the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX {$1600.00}. XXXX off and on for years Wrong addresses Hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy. In the agreement, I was told that Navient would roll my loan with XXXX XXXX XXXX that they bought into the agreement that they gave me with Navient. I was to have a 71 % discount on the loan, and receive a 0 % interest rate. Navient told me that they would implement this once they switched over the XXXX loan once it was serviced by Navient. Currently I filed 2 complaints with Navient because the loan was transffered over. Their lawyer XXXX XXXX, said that they would be implementing this on the Naveint website.

This was to be done at the beginning of the year and the balance was supposed to be reduced to around 9k, and to be shown at a 0 % interest rate and paid over 30 years. However this did not happen. 

Now this is affecting my credit with Navient, and they are about to charge off the loan and can't find the agreement. On a previous complaint with CFPB Navient stated they would be implementing the 0 % 71 % discount once the loan was transferred over. 

It was never. I can not pay this outrageous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I was forced to use private loans to pay for college in XX/XX/2004 with XXXX XXXX XXXX. The loans were sold to Transworld. I have defaulted on the loans and I, along with my father who co-signed, am now being sued by XXXX. They have harassed me over the last couple of years, threats to my father and myself to take our property. We have received robo calls non-stop which even continued since the court papers were issued. XXXX had several cases against me, 4 of which have been dismissed due to their failure to appear in court. The 5th case is due in court this month after being continued several times at the request of their attorney. I'm trying to research the complaints against XXXX because I believe I am a victim of false documentation and falsified affidavits along with being sued past the NC Statute of Limitations. According to their paperwork, my last loan payment was in XX/XX/2009 and XX/XX/2011, court papers were filed in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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:
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account with Chase bank was hacked and 21 unauthorized ACH transfers were made in a 51 day period totaling almost {$10000.00} without the fraud department contacting me once even though fraud alerts settings are active on my account. Here are the dates and amounts : The transaction description showN on most shows : XXXX XXXX  XXXX XXXX XXXX XXXX WEB ID:XXXX. C XX/XX/XXXX : {$32.00} XX/XX/XXXX : {$78.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$4.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX {$900.00} PENDING : {$900.00} Total : {$10000.00} CHASE stated they will not cover the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
On XX/XX/2018 I was constantly contacted by XXXX XXXX 's law firm with XXXX XXXX XXXX. XXXX XXXX told me that she is collecting a debt for XXXX XXXX, but was very rude on the phone. Told me I need to hurry and send money the today or I will be sent to court. She told I will be charged for breach of contract and writing a fraud check. I needed the money for a funeral and fell on hard times in which I couldn't pay the loan off immediately. She told I have to pay court cost, attorney fees, and including the loan. She told me to pay half the loan in order to get it settled. The people are very rude and told me I need to learn how to pay my bills on time or this wouldn't be happening to me. I know in Tennessee, payday loans can not aggressively send you to criminal court in which she told I could get charged for breach of contract and fraud checks. They constantly kept calling my mom and other family members. She told she will not stop calling my family until the debt is paid for which is a form of abuse. When I asked for the name of the Law firm the secretary, XXXX told me none of my business, and wouldn't spell out the name of the law firm in which XXXX XXXX uses, and told me I need to learn how to pay my bills on time. Extremely rude people and aggressive! They also known for talking over you while you trying to ask them important questions. I had to seriously tell them to let me speak so I can understand the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: GA

Complaint narrative:
I filed a dispute with Experian and XXXX ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX   deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked Experian and XXXX to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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:
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

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