vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The foreign customer service representatives for Citibank credit card refuse to activate our credit card. The foreign customer service representatives do not speak nor understand english and read from a script that does not answer your questions. When confronted with their lack of english language skills they simply hang up the phone. 
Citibank needs to be fined another XXXX XXXX dollars for their continued credit card fraud, SCAMS. They issued my spouse and I ( joint account as authorized user ). Both cards have the exact same account number and security code. We called to activate and the foreign representatives were unable to activate. They tried to send text to both our phones as listed when we applied but the said there system would not allow it. I tried to activate online but their website was not functioning properly. We told the foreign representatives to close the account but they refused to close account. HORRIBLE foreign customer service or I should say that Citibank is committing consumer fraud by BAIT AND SWITCH tactics by issuing credit cards only to not activate them. We received the welcome kit in the U. S. Mail as well as an email congratulating us that we are now members of Citibank thank you preferred credit card. Citibank is corrupt and a complete joke. As soon as we pay off the XXXX XXXX credit card we will close it since Citibank has something to do with it. Also, we no longer shop at XXXX since Citibank screwed up their credit cards. Please fine Citibank another XXXX XXXX dollars.

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 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Continue to receive robo calls from a company named Navient they claim to be a student loan servicing company. Numerous times they have pretended to be Doctors, Attorneys, and law enforcement officers. To collect private and personal information such as : ( date of birth, social security number, old account numbers, income, etc ) Information they do not have and can only acquire through false pretenses.My number is on the do not call list, I do not owe a student loan debt with Navient, or any of their service providers. I've sent cease & desist letters to their company, blocked their many numbers, some of these numbers they're calling from are XXXX hotline numbers during XXXX hours. I will be filing a harassment lawsuit against this company for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX  'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX XXXX out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2018 requested hard inquires be removed from Transunion Consumer Relations. dude to me not being aware of the following inquires on my credit file. which transunion Consumer Relations stated they cant remove the items after I've stated I'm unaware of these inquires.

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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. 
Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. 

-COMMONWEALTH FINANCIAL SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: SLM CORPORATION
State: PA

Complaint narrative:
I graduate in 2015. I didnt start paying my student loans cause i want working i own then XXXX that my private loan debt. When i did get a job they wanted me to pay XXXX monthly but i can afford that i try to reason with them but they wasnt trying to help me. With my private loan i do have a co signer but the person wasnt gon na help me with it so now im on my own at the point theres nothing i can do because they be sending me threating letters and phone calls and i wan na pay then i just dont have to amount that they want because i work part time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Sir, Wells Fargo has doubled my mortgage payment and raised my rate and railroaded me to pay taxes and insurance when they had already been paid. 

I have fought them for over a year to correct this with no result. At one point they were going to foreclose on my house. 

Im a XXXX veteran with limited income ; can you help? 

Thanks, 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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made out a check for XXXX to a credit card company. I deducted from my check register. A week later I received 3 alerts from Chase bank, which I have if my account goes under XXXX. The first said I had XXXXless than what i had calculated. The next day was an alert was a charge for XXXX which I did make, but still lower than the amount in my calculations. The third alert came the next day, that it went up to XXXX in my acct, with no transactions or deposits made. I went to the branch with my concerns over these glitches plus the fact that it seems im being charged twice for the XXXX check. I was told to come back today after impending transactions could or would make the account current. Today the bank stands by their calculations that I only have XXXX in the bank. And I stand by my calculations that I am missing XXXX. I have checked and rechecked to find my error and I do not find one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
12 CFR 706.3 - Unfair or deceptive cosigner practices. 
The fact that I was deliberately or mistakenly placed on this loan as the primary borrow, by the underwriter, means no proper disclosure was provided to me at the time of refinancing this mortgage. I should have not qualified to be Cosigner, since I was not on title had no legal interest in the property. Secondly, I had no legal binding relationship with the owner : no kids, no marriage, no distance relative, never reside at said property. I own owned my own homestead residence and still do. 
Today I am otherwise married for 8 years and has no relationship with the said owner of the property, I have no access to the property as it's located in a gated community, I do not know who resides on the property. 
I have no other blemish on my credit, but it is unrealistic to expect anyone to pay monthly mortgage payments of over {$2200.00} per month to prevent their credit from being ruin. 
Again, I was not given the proper disclosure since I was placed on the loan as the primary borrower.

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 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX called me in aggressive tone about contacting XXXX about a debit I owe. I was going to do that as soon as I get money together, but shes calling me some aggressively, Im afraid of calling her back to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: LEXISNEXIS
State: FL

Complaint narrative:
My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I received a late report on my credit, I contacted the company Santander consumer USA they indicated that I cosign for my sons car which I did and he was rejected. 
Then I requested copy of the contract which I received on XX/XX/2018 I reviewed and my signature is not my. So I ask to speak to the fraud department and the have send me a form to fill. 

I never received notices that my son was late on payments I would had a conversation with him, I believe that XXXX XXXX falsified my signature and that is fraud. 
I have a E-Mail send by my son to describe what happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Some lady calls and says I owe money on a debt. wont ID themselves or company and says I must call back today or legal action will be taken. They call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported a XXXX XXXX XXXX on my credit. I never signed nor did I authorize this company to put this car on my credit or in my name. I called to dispute the matter and was advised by XXXX, with XXXX XXXX XXXX XXXX that the car would not be removed from my name until the payments were brought current. I explained to her that the delinquent payments have nothing to do with me and it's not my responsibility to pay them. I then spoke with XXXX himself and he apologized for the inconvenience and agreed to remove the car from my name. He went on to explain that the car is only on the paperwork in their office which he agreed it shouldn't be. After reviewing my credit report this car is still showing under my name. I asked XXXX to correct this and she advised me I could go online and dispute this with the credit bureau 's myself. This was fraudulently done and I am asking for your assistance to have it corrected.

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX., had my mortgage servicing from XXXX XXXX XXXX. , in XX/XX/XXXX. As per the original amortization schedule my PMI comes under 78 % which qualifies for Automatic Termination of PMI, the date is XX/XX/XXXX. I reached this 78 % on XX/XX/XXXX. My loan was modified under HAMP in XX/XX/XXXX. I did not miss any payment. On XX/XX/XXXX, XXXX XXXX XXXX., now XXXX XXXX. , has removed XXXX dollars from the XXXX  dollars PMI and still collecting even after XX/XX/XXXXwhere my LTV was 71 %. Now I am at 66 % LTV. XXXX XXXX XXXX., now XXXX XXXX , is still collecting PMI of XXXX dollars every month.

I wrote to XXXX XXXX XXXX XXXX to stop collecting PMI to my account No. XXXX.

I want the mortgage company namely XXXX XXXX XXXX., now XXXX XXXX. , and XXXX XXXX XXXX XXXX  to stop collecting XXXX dollars every month and refund and credit towards my unpaid principal balance the excess they have collected as per Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a co-signer on a loan # XXXX for my daughter with Navient. Her name is XXXX XXXX. It is a college loan. For some reason, she was 60 days past due. 
I was not aware of this until Navient reported it to XXXX. My score ( have excellent credit ) dropped from XXXX to XXXX. I feel that this action is unwarranted and unfair to me. 
I am being penalized because she as an adult failed to make the payments.She is a XXXX and this is her loan. I have contacted Navient ... they will not correct my credit score.This has been extremely upsetting to me and my husband died in XX/XX/2017. 
I am going to need this higher score to purchase a car. 
What can be done about this ... .I really need your help to clarify this situation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OH XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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:
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX  account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.

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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. -SENEX SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: GA

Complaint narrative:
I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
Russell Collection Agency stated that they had updated my credit bureau with the removal of two collection items from XXXX XXXX  for XXXX and XXXX. They stated that I needed to contact XXXX XXXX  because their information was inaccurate. I reached out directly to the credit bureaus and the accounts are still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX  XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. 

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.

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