vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My name is  XXXX  and I recently noticed th at Macy 's had rep orted to all  XXXX  of my credit reports that I was 30 days late in  XXXX  of  XXXX  but I was never late and that information is not accurate. I had called the company back then to report that my statements were missing. either lost or stolen or never received and all of the fees were waived an d the manager was very understanding. I remember that they assured me that this would not impact my credit report and I t rusted the managing supervisor on the phone and never thought about it again. Now, I am currently trying to purchase a home and my real estate agent informed me of this late and I was completely shocked and disappointed to see that the changes were not made to correct the inaccurate 30 day late in  XXXX  of  XXXX . I was never late to make any payments, I am a very responsible credit user, the statements never came to my house nor had I received any phone calls regarding a missing payment to even know. Please a sk Macy 's to  make  XXXX   XXXX  current and never late, that would be the correct reporting. whatever appears now is completely inaccurate.     Also, I noticed that they also placed an inquiry on credit report and that is wrong and should not be appearing on my report. I never applied for new credit at macys in  XXXX  of  XXXX  and I have no idea why this is appearing on my credit report via   XXXX   XXXX  . I have always had  a Macy 's Department Store card  and never authorized anyone to reapply with my social security number. I have been a member since  XXXX  so this is very confusing to me. Please have them remove the inquiry from  XXXX   XXXX  as well-that is wrong. Thank you so much

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 monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed all protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section  605B of the Fa ir Credit Reporting Act.

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: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: LEXISNEXIS
State: NY

Complaint narrative:
three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
X/XX/XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , TX  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account #  XXXX , which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed.     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 you.      Pl  ease also be aware that any negative mark found on my credit reports ( including       XXXX   XXXX   XXXX   XXXX     ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within  XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I   will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Neglige
nt Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to   the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I  may be detailing any potential issues with your company via an online public pre ss release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XXXX   did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a  XXXX   XXXX   XXXX  child who happens to have many diagnosis,  one of  which is  XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called  XXXX  to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my  XXXX   XXXX   XXXX  son to verify his information, realizing at that point they were dealing with a  XXXX   XXXX   XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my  XXXX   XXXX   XXXX  on the computer using his name and a false social security number. My  XXXX   XXXX   XXXX  son has the mentality of an  XXXX   XXXX   XXXX  and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The debt collector called me saying that I was going to be served either at work or at home for a debt that was closed on in   XXXX  . He had my social security number and my address. He had correct information on the old debt and said that I could pay it or have a judgement filed against me. He offered me a deal where I would only have to pay 30 % of the debt if I agreed to pay it over a 6 month period. He also said If I paid right then he would reduce the debt from {$4100.00} down to {$750.00}. I gave him my devit card information and he processed half of the  XXXX  right then and said he was going to process the other half on  XXXX   XXXX . I believe this was a scam and need to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: FL

Complaint narrative:
On   XXXX   XXXX  , I Initiated a hardship request because of an unforeseen medical situation.   Expecting that payments may be late or missed for  1  to 3 months or some time between   XXXX   XXXX   and   XXXX   XXXX  .      360  Mortgage,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX ,  (   XXXX  )  XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations.     The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist  XXXX   XXXX  after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in  72 h ours. Replies never occurred, all contact information was initiated by  XXXX   XXXX .      2.  When speaking with  Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360  Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service  Rep  make that claim?   3. The  Document Checklist  list for the Hardship Application had  25 d ocument requests, 21 had a box with an " x '' and  4  had a box that was empty. Assuming the " x '' meant required documents, they were sent to  Ms   XXXX  only to find out  one  day before the doc deadline  XX/XX/XXXX  that all docs would be required I furiously gathered a re-faxed docs on   XXXX   XXXX   the date of the deadline, only to find out  360 F ax was down that day.   *Ms.  XXXX   denied  the request and the hardship application was pulled on   XXXX   XXXX      3.  While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While  XXXX  and  XXXX  were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained.     I 've requested  360  mortgage to remove these derogatory items and they have declined for   XX/XX/XXXX   and  XXXX  of  XXXX .     Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage  Origination, Servicing  and  Cusotmer Service  with 360 mortgage.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
N  avient has not placed my loan on Forebarence as part of the Defense to Reoayment program. Navient has b een sent the documentation twice by the Department of Education since   XXXX   XXXX    . Navient is unwilling to discuss issue as their employees are not educated in handling the  Defense to Reoayment claims, often asking multiple times if I 'm asking for a forevarence request as if   pushing me to take a forebarence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank  of America  offfered free checking because they were my mortgage servicer so I opened an acoount. Bank  of America tran sferred my mortgage to a new servicer on their own and breached the account terms and now illegally charge me {$25.00} for my account which should be free. Also, they charged me {$35.00} overdraft this month because the illegal monthly fee they charge me made my account go negative and they refuse to stop the monthly fee or refund the {$35.00} overdraft. I have also incurred expenses since they switched my mortgage servicer since I have to send the payment each month with tracking to Texas instead of just going into a Ban k of America branc h.

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 monetary relief
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: Atlantic Credit & Finance, Inc.
State: NJ

Complaint narrative:
Atlantic Credit &amp; Finance has be en 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,  Atlantic Credit &amp; Finance,  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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I got unauthorized charges from  XXXX  on m y Chase Visa c redit card totaled {$9000.00}. I disputed these charges with my credit card issuer. the fraud personnel established a  XXXX  XXXX -way call with me and  XXXX  representative and he confirmed that these charges are fraudulent, and he also confirmed that i do n't have an account with  XXXX . However, the  Chase dec ided to keep the fraudulent charges on my account and concluded that it is my responsibility. And they neglected the " zero reliability '' rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section  623, subsection ( 7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FCRA  623 ( 8 ) ( E ) ( iii ) e stablishes a time-frame for these issues, and that section  621 of th e FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.

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: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...

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: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MS

Complaint narrative:
I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.

Company response to consumer: Closed with explanation