vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: MO

Complaint narrative:
InXX/XX/2018, I entered into a settlement with XXXX XXXX XXXX on behalf of Citibank, N.A for {$10000.00} I agreed to pay {$1000.00} up front and {$250.00} the first month and {$250.00} for the following 11 months. The bill was paid automatically with my debit card. In XX/XX/2018, Citibank took back my account without contacting me. XXXX also did not contact me. No money was taken from my account and I didn't pay attention. Citibank then hired XXXX XXXX to collect a debt and the rest of the debt of {$8000.00}. All parties claim this is not their fault. No one will honor the original settlement even though I paid on 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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have had multiple attempts to contact me, every 4 days, robocall. I contacted them today, XX/XX/2019 for a previous call left on my voicemail. 

The lady said they were a debt collector for XXXX XXXX, who apparently had my cell phone number before me. I have gotten other calls for her as well. I told the lady the same thing and asked to be removed. She said she understood, and would remove me but if a report came up with my number I would be contacted if it was regarding the original phone owner. 

They then called again on the same number and robocall. 

I would like them to quit harassing me. They have called me 7 times since XX/XX/2019. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CA

Complaint narrative:
I've requested to have accounts that were previously in dispute to have the dispute language removed so that I can close on a loan. I've requested that the dispute be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2019 and the company REFUSES to remove the dispute language. I'm requesting that they be contacted about their willful noncompliance to remove my account out of dispute.

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 2019-10-08 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: CA

Complaint narrative:
I've tried on several occasions to get an account listed in dispute to have the dispute removed. Equifax REFUSES to remove the dispute language on the account and is causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the account removed but they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Says that I need to update Wells Fargo security account. I do not have a Wells Fargo account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
the complainant file a dispute with its bank ( wells fargo ) several weeks ago concerning an overcharge and/or a fraudulent charge by XXXX / XXXX car rental. on or about XX/XX/2019 XXXX / XXXX or/and wells fargo charged my account causing my account to go negative and in addition, they took nearly {$600.00} dollars from my account. The remaining {$600.00} was money allocated for school books and etcc, as the complainant is enrolled in XXXX XXXX college. Due to wells fargo action I will not be able to purchase the required books for my class which may result in me failing my class. I will be filing a civil lawsuit against well fargo for this action.

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 2019-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Regarding complaint responses XXXX ( XXXX/XXXX ) and XXXX ( Select Portfolio Servicing, Inc. ( SPS ). XXXX responded, " As referenced in our XX/XX/2019 and prior response letters, XXXX is not seeking a judgment with respect to the outstanding loan nor did XXXX file the Assignment of Mortgage that Mr. XXXX references. Therefore, XXXX is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding SPS 's actions ''. If that is in case fact, then how do they explain why XXXX is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, XXXX continues to fabricate and is evading the truth, or SPS has used XXXX unknowingly/unwillingly/illegally! In addition, SPS continues to refuse to answer my questions regarding the gross and misleading errors in the XXXX which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by SPS and XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've tried on several occasions to get a few accounts listed in dispute to have the dispute removed as I'm no longer disputing the accounts. Experian REFUSES to remove the dispute language on the accounts and it's causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the accounts removed but they will not remove the disputes.

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Prior to my mother 's death, I was paying a home equity line of credit that was in my father 's name. After she passed, my father called to arrange to have the payments taken from his bank account. Citizen 's Bank via XXXX Payments indicated they had completed the change, but they are still taking the money out of my account. I called them on XX/XX/2019 and my father called and followed up the next day. They had indicated they made the change. 

I had to go through my bank to dispute the withdrawal on XX/XX/XXXX and was able to get the funds back ; however, they debited my account again on XX/XX/XXXX, and I am having to go through the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: TN

Complaint narrative:
I called the debt collector and asked them to send me a bill so that I can pay off the debt. They asked if it was okay to call me on the number that I was calling from ... and I said, " no. '' Before their bill arrived in the mail, they called to harass me about the debt. They called my cellphone - on the number that I had explicitly told them not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Every year I try to access and print my credit reports from three credit reporting bureaus. I go online at XXXX. I can always obtain, online, reports from XXXX XXXX and Experian. Each year I can not obtain my Experian report online and have to mail in a request with documentation. This difficulty appears to be an intentional policy on the part of Experian to make acquisition of their free credit reports difficult.

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 2019-10-08 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: Block, Inc.
State: MI

Complaint narrative:
A fraudulent merchant kept trying to charge my card, Cash App would not stop them from trying to charge my account and closed my account instead of correcting the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Have been getting several times a day from a Company called XXXX XXXX XXXX. In regards to old Credit card debt from Citibank. This has happened before using a a different name of XXXX processing. I filed a complaint prior to this and Got response from Citibank which stating that did not work with XXXX. Now getting calls from XXXX company on Citibank and when notifed them they never heard or deal with company. I am at my wit 's end on how to stop the calls. My family also getting these calls looking for me. These are following number 's that are calling. 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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
In XX/XX/2019 my wife and I were taking proactive measures to ensure we could meet our mortgage payments despite her having become XXXX and no longer receiving employment income. We considered refinancing our 15 year loan but had heard of loan modifications, which seemed easier and cheaper. We called Union Bank and asked if that could be done for us. I admit now that I did not know all the facts of such a program and depended on Union Bank for advice. I submitted some paperwork and was approved and advised to make 4 Trial Payments that were {$210.00} less a month. I assumed the loan modification would be a similar arrangement resulting in our 15 year loan having a reduced interest rate to match the current market rate. The final modification changed our 15 year loan to a 40 year loan, not at all helpful considering we are both over 60. We signed the agreement anyway, assuming it would buy us time to shop for a better 15 year loan. 

On XX/XX/2019 a local bank notified me that I did not meet the underwriting requirements to be the contractor of record for building a residential home for my customer. The reason given was negative credit reporting for the 4 months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/2019 for " delinquent '' mortgage payments. These were the months we paid Union Bank the Trial Period payments, on time, as instructed. We were never notified verbally or in writing that the trail period payments would be considered delinquent even if paid on time, or we would never have agreed to the mortgage modification plan. We would have refinanced the loan. The Trial Period contract states " Please note that except for your monthly mortgage payment amount during the Trial Period Plan, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the Trial Period Plan ''. In what universe should that have caused us concern if we had never been late on payments?

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 2019-10-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again

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 2019-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Control Technology, Inc.
State: NY

Complaint narrative:
Account Control Technology , Inc., has not honored my cease and desist telephone communications requests. Several times inXX/XX/2019, specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by ACT, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. ACT collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing ACT with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019, I again received several calls from a number that ACT called from on XX/XX/2019. On the XX/XX/2019, call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, today XX/XX/2019, ACT sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if ACT was collecting on their behalf and the XXXX  representative said " no, '' which increased my suspicion of ACT. ACT began each call with me by stating that " they've been hired by XXXX  '' to collect, which caused me a lot of stress.

I ask that all the calls connected to the account on which ACT is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that ACT not call me ; - My communications with ACT reps were abusive ; - ACT reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - ACT used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - ACT may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.

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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In the process of submitting a refinance application I became aware of a delinquent account with SYNCB/STASH that had been sold to a debt collector, XXXX XXXX XXXX, XXXX ( XXXX XXXX. This was a fraudulent account that I had not opened and was not aware of. I attempted to reach out to SYNCB/STASH to make them aware that the account was fraudulent but they referred me to deal with XXXX. After months of going back and forth XXXX acknowledged that the account had been fraudulent and that it would be deleted. 

After rechecking my credit it came to my attention that the account was still reporting, but that it was now a delinquent account with SYNCB/STASH. I once again reached out to SYNCB/STASH in order to have them remove the account from my credit. They refused to do so and said I would have to re-initiate another investigation with them that will take months to resolve. 

I am reaching out to you for assistance because SYNCB/STASH unwillingness to deal with this matter seriously and expeditiously is delaying my ability to refinance my home and will result in having to pay thousands additional in discount charges in the process.

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 2019-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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:
I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses 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