vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: RI

Complaint narrative:
I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I DISPUTED THIS WITH  XXXX  CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO  XXXX  AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Open account with CitiMortgage  XXXX   XXXX . Account went Delinquent in or around  XXXX  or  XXXX   XXXX , which was reported to all  XXXX  major Credit Bureau pe r CitiMortgage. CitiMortgage is not r eporting the correct information to all Credit Bureau, yet ; reporting it as  XXXX . I have calle d CitiMortgage and re quested they correct this wrong information &amp; send payment history from    XXXX   XXXX  -  XXXX   XXXX  .  It would not have taken me 2 years to be or become delinquent in payments. House was foreclose and sold  XXXX   XXXX . At the present, I am in the process of having a reinvestigation submitted on my behalf and waiting the outcome of the decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on  in 2014. T his debt is past the statue of limitations and over  XXXX   XXXX   XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to your insisting that a verification was made, I further researched this matter with my attorney. It comes to be that you lied on the last response. All you did was turn to a data furnishing company such as  XXXX   XXXX  or  XXXX , reading information off of a website and held that information to be verified and true. Since you said that you have verified the information, it should be easy to produce a few facts so I can personally go down to the courthouse and verify YOUR process wit h the county clerk. Please provide me with the following information : 1. The date and time you made the call 2. The name of the person you    spoke to 3. Verifi cation documentation referencing the call and the outcome.   Should you not provide me with this information within 15 days, my attorney and I are ready, willing and able to file a lawsuit against your company. I am going to publish the response you gave, that you have verified the information, to a public website whereby anyone reading it will file a suit against your company as well. I am also filing a complaint with the attorney general to prove my case.   What interests me the most is the fact that on the attached credit report, in the space where it says " court '' you left it blank. Which means you are providing false information. Remove this bankruptcy immediately to avoid embarrassment and monetary loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I dont have the original case number. I did the online dispute about a year ago and they removed the derogatory remark, it has now reappeared and when I try to log into the system, it says they dont have info for me. The dispute is with alimony and child support, we had ongoing litigation, during which time I continued to make payments, yet they report no payments made a nd 6  payments 90 day late. Because of the litigation and settlement on matters inclusive of support and alimony the reporting is biased against me. Also there is a matter  XXXX  state tax liens that were paid within abou t 2 we eks of being recorded, eqifax has removed them from  XXXX  separate disputes in the past but they now reappear, they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I sent on  XXXX   XXXX   XXXX  my first letter to  XXXX   XXXX   XXXX  of Experian by certified mail  XXXX  asking him about the validation and provide me with copies of any documentation associated with this accounts. On  XXXX   XXXX   XXXX  Experian sent the report number  XXXX  saying that if I do n't send them additional relevant information to support my claim they will not investigate my claims. But they never sent me any documentation regarding my letter dated  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I send a letter replying the results on report number  XXXX  by certified mail  XXXX  requesting again that they failed to provide me copy of any viable evidence regarding the account claimed .Experian never answered my letter dated  XXXX   XXXX   XXXX  .On  XXXX   XXXX   XXXX  I sent my last letter by certificate mail  XXXX  giving them a follow up to my original letter dated  XXXX   XXXX ,  XXXX  regarding an inaccuracy in their credit reporting. On  XXXX   XXXX  Experian sent report number  XXXX  saying the same argument like last report number  XXXX  that they need additional relevant information to start an investigation.   I requesting Experian as they violated Federal law by not property investigating within the required time frame and I have evidence of such via certified mail receipts that remove all the items disputed in my l ast 3 letters  sent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Sent a letter with my drivers license, social security card, and utility bill for verification of my correct address and requested removal of old addresses as they are inaccurate and there are ones I have never lived at. My response from them was a phone number deleted on  X/XX/XXXX   . My credit report has inaccurate information and I would like to get this resolved. It still has my ex wife as my spouse. We were divorced  XXXX . As well as phone numbers I never had. I included the report I got from Experian. Thank you for your 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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I started my application with CrossCountry Mortgage  XXXX  of  2016. I thoug ht I was working with Sales Manager  XXXX   XXXX  but I was instead passed off to other sales assistants that were not properly trained and did n't have answers. I was given incorrect information, ignored and disrespected to say the least. This would 've been my first home loan and I had lots of questions. When I was able to speak with the loan manager, she was rude, loud and unprofessional. Although I sent in everything I was suppose to, I was told that I threw them curve balls and that I should find another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear  Officer  I am filing a new complaint against   Bank of America.
Bank of America promised me by giving me a nu  mber to call (  XXXX  ) to have its higher management to look into my case. I called every day and left the voice box of this number numerous messages. However, the owner of this phone has never talked to me.   This action of Bank   of America is not professional at all. This action of Bank of American is cheating.
Please ask Bank of America to explain why they should cheat their customers.     Thank you!    XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient increased the payments that I ca n't afford. I applied for low income payments. But they refused to approve it. They are selfish. They need to read my pay stubs and hours that I work right now very hard. Please tell Navient to pay off my balance. I wo n't pay. Navient is n't honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX   XXXX / XXXX / XXXX  DOB   XXXX   SSN Report #  ( r eport enclosed ) Attention :  XXXX ,  XXXX ,   XXXX   I have recently acquired my Credit Report. After carefully reviewing its contents, I have found some inaccurate information that the credit report details.   Item Disputing :  XXXX   XXXX   ( REF  #  XXXX  ). This is not nor has ever been my account. This has caused me financial harm, please delete immediately.   Please investigate the accounts listed, under the provisions of the Fair Credit Reporting Act  ( FCRA ), 15 USC section 168li.  A period of 30 days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Failure to verify the above information within the 30 day time period constitutes " non-verification '' and the accounts in question must be immediately removed from my credit file and credit report according to  15 USC section 1681i ( a ) Also, 15 USC sections 1681i ( d ) and 1681j o f the Fair Credit Reporting Act require that I receive written notification of the updates, an up-to-date credit report ( at no charge ), and that an up to date credit report be sent to anyone who received my credit report within the last six months.   If you have any questions regarding this matter, or, if you are having any difficulties completing this task, please contact me using the above information.     Please take note and govern yourself accordingly. Thank you for your cooperation.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The collection agency is trying to collect the debt I did not own despite my dispute to the debt.

Company response to consumer: Closed with explanation