vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I WAS SOLICITED BY CITI BANK CARD TO OPEN AN ACCOUNT. I NEVER OPENED AN ACCOUNT WITH CITI. SEVERAL MONTHS LATER I NOTICE CITI ADDED UNFAIR AND ILLEGAL FEES CLAIMING THAT I OWE THEM AND I DO NOT OWE THEM ANYTHING I NEVER APPROVED OR AGREED TO OR PURCHASED OR CONTRACT. 

I HAVE CALLED THEM SEVERAL TIMES AND I EVEN HIRED AN ATTORNEY XXXX XXXX XXXX TO SEND THEM LETTERS TO REMOVE THEIR INACCURATE INFORMATION AND TO CLOSE ACCOUNT. I KEEP GETTING SOLICITED BY THEM AND I ASKED THEM NOT. 

I AM BEING DAMAGED DUE TO CITI REPORTING FOR WRONG AND INACCURATE INFORMATION. 

RE : ACCT ENDING IN - XXXX FOR- 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 2019-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On and before XX/XX/2019 repeated calls began form XXXX XXXX XXXX , XXXX ( XXXX ) XXXX. Threatening voicemails and even choice words conversation spewing from the attended operating the phones. As I only stated that I did not owe any debt nor did I know of the company she claims I was in debt too. She started to speak about my race and said " Are you mad that you didn't get enough food stamps, go back to XXXX! '' This company prides it self on harassing and trying to intimate American Citizens. 
I have provided a list of complaints I have against this company : 1.Collectors are threatening me with violence, a lawsuit, or arrest 2.I are receiving multiple calls per week from third party collection agencies 3.I 'm being threatened with negative credit reporting 4.A debt collector attempts to intimidate me 5.Criminal accusations are being made towards me 6.Use of obscene language during an attempt to collect 7.Automated robocalls are being made to my phone in an attempt to collect I have saved all voicemails from this company. Before ending I do not owe any debt nor have I ever heard of the XXXX XXXX  XXXX. I pride myself on always staying away from payday loans or and money borrowing service. So I no that all accusation that have been so aggressively made are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
two fraud and inaccurate accounts ( XXXX XXXX / XXXX AND XXXX XXXX XXXX ) are reporting under my equifax credit file, i have tried to dispute these two inaccurate accounts from equifax but they have not been helpful at all, i have send them my police reports and the FTC report as well, but they are not helping me wit this stressful days and situation., i will be attaching these paper work that i have in my possession. 
hopeful you would not be ignoring me and be helpful appreciate thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: NC

Complaint narrative:
I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one auto loan that does not belong to me has been reporting under my equifax credit bureau and they have not been helpful at all, i had tried to dispute and delete this inaccuracy from my credit file, but they are not helping, each time they are either not disputing or trying to get rid of me for not answering the security questions right, please you are my last hope they are screwing my credit by reporting inaccurate information and i have been very much stressed as a single mom, please have e to get to the bottom of this. 
appreciate you cooperation in this matter. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Case number XXXX Bank Of America NA In XX/XX/XXXX I received a XXXX XXXX gift card for enrolling and meeting certain requirements for a Bank Of America credit card sponsored by the XXXX XXXX XXXX. In XX/XX/XXXX I tried to use the card and was told by XXXX that the card was never valid. I then contacted Bank of America who insisted the only way to get a new card was to mail them the old card first. I explained to them I could do this but then would have no proof that I owned the card. Instead I suggested that they take the serial number of the card and check it for themselves, they refused. I than suggested they email me or send a letter giving me directions as to an address. They would only give me an address over the phone. I than agreed to send the card but only by registered mail which I expected them to pay for. They refused. I then contacted the XXXX, they were able to contact BOA and arrange a new card sent. They were given an address to give to me to send the old card back after I received a new one. While I did get my card it was not without many phone calls various agents and managers and what bothers me most is I do not have one shred of documentation that this activity took place. If I died tomorrow the entire episode would die with me. Worst of all it seemed like the Bank felt they could do and say what they wanted. Thanks

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 2019-04-16 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: NC

Complaint narrative:
I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We are doing a short sale and the Mr. Cooper Mortgage says they have canceled the foreclosure sale until after the short sale.

They did an appraisal and it came to {$720000.00}. The appraisal company did not take into consideration the {$170000.00}, repair estimate to remove the leaking Septic Tank and other repairs. 
We received an offer for {$700000.00}, They refused to accept it, but says they will try to sell it for more at an auction, but if offer from the auction is not more than this buyer 's offer, they will revert back to this buyer who is already in escrow for months. 
The highest price at the auction was {$660000.00}, and I am asking them to revert back to the buyer that has a higher offer of {$700000.00}, but they say they would rather foreclose and I have never seen such unfair policy and decision before. 

I want them to give the buyer with a higher offer to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
My name is XXXX XXXX. I am writing about a problem my wife and I recently had with Syncrony Bank thru a Walmart credit account. The account is in my wifes name XXXX XXXX. The issue we are having is a payment of XXXX dollar was deducted from our joint banking with XXXX XXXX. In XX/XX/XXXX we made a agreement with Walmart collections to make a monthly payment in the amount of XXXX and we have paid that amount since by recurring payment without incident until now. On XX/XX/XXXX I became aware XXXX XXXX  released a ACH payment to them in the amount of XXXX. My wife and I both spoke with Syncrony Reps regarding why they withdrew a additional amount and we are not satisfied with the answers they gave because none of them make since. 
Also, we had stop payment reviews set up by XXXX XXXX and I can not understand why they released the funds in the first place without notifying either my wife or me. 
In closing, we would like our payment deposited back into our account because neither one of us authorized a additional payment of XXXX be released from our checking account. ThankYou!

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Both of my parents XXXX in 2017. They are the mortgage holders on the property at XXXX XXXX XXXX XXXX, WI XXXX. Mr. Cooper is the mortgage holder on my dads property. I have sent in the necessary documents and mads many attempts to talk to a supervisor n the account. They keep saying that didn't get my email when it shows that it was received. They keep sending my payments back to me. Mr. Cooper has started the foreclosure process on the house. I keep getting different answers from different representatives. I am currently in probate court. There is no state law or statue that states you have to a become " successor of interest '' through the court system. Mr. Cooper is requesting court documents that show I am the successor of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I never knew of this debt until it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one collection has been reporting under my equifax credit file, i have disputed several times but they come back and say it has been verified, an d i am sure they are not even disputing this inaccuracy, cause many times they have ignored my and my request. please have this inaccuracy removed from equifax credit agency. only they are the ones who are reporting this fraud account. 
please you are my last hope i call the collection agency they dont even have my information in their data base, not even my social or my name, they checked many times an i even know that i dont have any collections. i will be attaching my police report and the FTC report which i provided. thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: PA

Complaint narrative:
XXXX XXXX XXXX reported me for 3 late payments. XXXX, XXXX, XXXX 2019.They charged me late fees and interest which continued to elevate my bill. I found out my bills were late through XXXX XXXX and immediately called XXXX to get this straightened out and get my account up to date. 
I have made at least 5 attempts to have them remove the derogatory remarks on my account. I paid off the account after speaking with customer service, they assured me the fee would be waived and update my credit report. 
Now they are saying I need to prove I didnt receive my statements, even after they have record they were returned to them! 
Please help get my credit report updated!

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 2019-04-16 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: AZ

Complaint narrative:
My TransUnion credit report has absolutely no record of any reporting on my 2 credit card accounts with XXXX XXXX. I have made many phone calls to both XXXX XXXX and TransUnion over the past several months but this problem is still not solved. 

TransUnion says that XXXX XXXX is not reporting. XXXX XXXX says they are reporting. TransUnion tells me to contact XXXX XXXX. XXXX XXXX  tells me to contact TransUnion. Nobody is willing to take action to solve this problem. 

I wrote a letter to TransUnion to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, TransUnion has violated my rights under the Fair 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 explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Ditech was contacted in XX/XX/XXXX after trying to collect on a paid mortgage. My home sold on XX/XX/XXXX. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called Ditech 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a business credit card account holder with Chase Credit Cards. There was an agreement with a company called XXXX in which they were supposed to furnish me with QUALIFIED leads for my business. We handled business over the phone. I made great emphasis in the fact that these leads needed to be approved by XXXX and my XXXX, they told me repeatedly that they were. One of the features of the service was that I would be able to use a very specific booklet along with the leads provided, along with the leads, they are suppose to provide all information needed so a consumer can make an educated transaction. 
After taking this booklets and leads to my XXXX XXXX, I learned that not only these leads were not approved, the booklets were not XXXX approved. I immediately tried getting in touch with the company several times without much success. 
XXXX finally got back to me on XX/XX/XXXX and they claimed that they can't do anything to help me as they have no " sway '' with my compliance department. Since then, they stopped responding despite several attempts to get in touch. 
On XX/XX/XXXX, I made a call to Chase to report what had happened. They started the claim process and claimed that will get back to me once the issue is resolved. On or around XX/XX/XXXX I received a phone call from Chase claiming that XXXX had answered to the claim and that they have provided a signed contract which was odd because all communication with them was over the phone. They sent me the contract I supposedly signed via mail and after a brief inspection I found out the area were my signature goes was an odd looking scribble. I immediately went back to Chase and explained the situation and they asked me for my IDs along with other documentation that can show my signature ; which was sent to Chase on XX/XX/XXXX. 
After phone confirmation of receipt of the email, I traveled over seas for less than 3 weeks. Upon my return, I followed up with Chase twice over the phone and they confirmed that the documentation was being reviewed and they will get back to me. 
Finally, sometime on XXXX I notice that the temporary credit they placed on my account was gone. I called Chase to inquire about the result of the investigation and they claimed that the time frame in which I was allowed to make a claim had passed and they can't do anything else for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
For the past 2 months I have tried to fix my online account to check the status of my Freeze Accounts. When I log into my profile it states under the dashboard selection as " UNKNOWN ''. When I sign onto my husbands profile it brings up two yellow boxed selections : Remove Freeze / Temporarily Lift Freeze. Eventually a TransUnion representative gave me a new File Number which removed the " UNKNOWN '' status but no options to remove or lift a freeze. It was recommended that I speak to the Fraud Dept regarding two error codes on my account. I called that Dept and they stated that there were no errors/no multiple files and suggested that I speak to the Online Support. I called that Dept and they said I had to speak to the Fraud Dept because I had an error on the account. And the beat goes on ... and on ... and on. I patiently followed there instructions but all I get is here is the telephone number ; you need to talk to them! Here are all of the numbers I was told to call : XXXX ; XXXX ; XXXX ; and XXXX. I called these numbers over and over again and each rep has their printed out responses/procedures that do nothing to correct my problem. When you try to explain the situation ; they simply state you need to speak to THIS DEPT AND HERE IS THE NUMBER! It would be very beneficial if all of the Departments were on the same page.

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 2019-04-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Received my Experian, XXXX and XXXX Credit reports dated XX/XX/XXXX Two account are reporting inaccurately 1, XXXX XXXX # XXXXxxxxxxxxxx * Reporting I was 30 days past due in XX/XX/XXXX. This is not correct, I have never been 30 days late or more with this account. 
* Balancer being reported is inaccurate. Reporting a {$180.00} balance, I paid this account off, there should be a XXXX ( XXXX ) balance, Please update. 

2. XXXX XXXX Acct # XXXXxxxxxxxx ; Reporting the balance as {$960.00}, Balance is actually {$810.00}. Also reporting I was 30 days late for XX/XX/XXXX. I was not late, have never been late. Please update correctly.

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