vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
CitiMortgage is claiming that they have not received my payment for XXXX. My payment posted to my bank account on XX/XX/XXXX a day it was due. They're also stating that only partial payments have been made for the past several months, but that they see that my full payment was made but is being held in some other account. My bank has sent them copies of my payments. I have spoken to at least 40 different people over at CitiMortgage all who tell me a different story. Nobody can tell me where my money has gone, or why they are telling me that I'm in foreclosure even though my statement say that I am current on my mortgage, with the exception of the missing XXXX payment that they can not find. I recently had a bankruptcy that was discharged, and I had made all of my payments to the bankruptcy court and received final payments have been made to both my first and second mortgage. Citi mortgage is my second mortgage. Multiple people at Citi have told me that the reason that I am in foreclosure with them is because my first mortgage with XXXX XXXX is in foreclosure. However I have called XXXX XXXX and they state that I am not in foreclosure and that my account is current with them. They are waiting for the release of the bankruptcy. I have called CitiMortgage everyday for the past 2 weeks and spent multiple hours on the phone, trying to get this figured out. CitiMortgage just keeps passing me off to the next person and can not tell me anything about what's going on. I am highly disappointed in the level of customer service, and the lack of respect that I've been given by CitiMortgage. Moreover, I do not feel like I can trust that my money is being credited to my mortgage anymore or if it's going someplace else.

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AR

Complaint narrative:
I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc.
State: MI

Complaint narrative:
on XX/XX/XXXX after recieving letter from student loans dept about setting up payment plan., so setup tenative plan was adivsed had 30 days to submit documents needed to approve, said ok and let person on the phone know just started job so would be atleast 2weeks before could get 2nd paystub needed.said ok and then submitted documents to student loan dept with payment and then recieved call on XX/XX/XXXX from collection agency national credit services on my job .advised never gave permission to call me on my job could not recieve calls and to stop all contact. called student loan dept and was advised transferred acct to collections 10 days after spoke to them about pyt plan, advised nothing could or would be done.told them i was never advised could be sent still to collections and filed complaint. still have not recieved any contact back. then today recieved 2nd call on job from collection agency national credit services .again advised already told co can not recieve calls at work and told sorry was never listed as do not call. took caller name XX/XX/XXXX and ext.then adivsed filling again a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/2018 Quicken loans called me on the phone wanting to give me a loan for a home my wife and I am looking to purchase. I explained to them that I was already working with a lender and they ran a credit check on me without my permission. I immediately called the up and demanded it be removed at once. They kept on playing phone tag with me putting me on hold and transferring me with several different individuals. I explained to them that I was going to file a complaint with the FTC and I got the impression that they didn't care. This is the second time quicken loans did this to me the first time was in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have this company call me called XXXX XXXX. The called me on my cell phone and on my work phone. They were trying to collect a debt from Wells Fargo and checking account I had in 2003 they had all my information that I can think of personal. They said they were going to serve me to go to court. When I asked for documentation they said they would provide it for me I gave them my debit card which was XXXX and then all of a sudden they did not want to provide me documentation and refused and when I asked for documentation they took it as refusal of payment. I have recorded them and they hung up on me but I did not tell them I was recording them. I attempted to call back and they hung up on me again. Everybody has the last name of XXXX. But they are harassing me at work and on my personal Phone.

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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I done an extension on the loan and I applied a {$100.00} dollars payment that should go toward the loan balance and make the loan balance go from {$500.00} to {$400.00} dollars, the total amount that was supposed to been taken from my XXXX  account should have been in the amount of {$190.00}, {$96.00} would be the loan interest fee and that {$100.00} dollars would be applied towards the loan balance.The total amount of the loan that was borrowed was {$500.00} dollars and the interest fee was {$96.00}. Someone went and deleted payment for the {$100.00} dollars that was supposed have went towards the loan, and did not send the email for the extension that was requested on the XXXX, they went and changed the loan agreement and redone a loan for amount of {$400.00} dollars.I noticed that online when I had looked at the agreement.When I had called Cashnetusa the reps was unable to see where there was a partial payment in the amount of {$100.00} dollars requested.I was offered a payment plan and I took it, I had asked to be refunded the {$100.00} dollars since the {$100.00} dollars was never applied towards the loan.I explained to them when I had the last loan and requested an extension my balance remain the same, and the balance should have been now at {$400.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I noticed a fraudulent account on my credit report. Prior to learning the correct process to have issue corrected I submitted a letter to Walmart/Synchony please see below : Enclosed is a check for the alleged balance for the above mentioned account. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX & XXXX XXXX and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

Upon cashing this check you have 30-days to comply with the above. 

Notice to principal is notice to agent, notice to agent is notice to principal. 

I mailed check # XXXX for {$520.00}. This check was cashed on XX/XX/2018. Since the check was cashed you agreed to the terms of the letter and the terms written on the check. Please remove and and all derogatory reportings from all three credit bureaus.

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 2018-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I keep getting phone calls saying that I am behind in my XXXX taxes. I was behind by 5 months and called and told them I was making payments and sent the tax bill showing my payments. In XXXX of XXXX I paid the balance of {$1000.00} with ck noXXXX. I was then informed by the company that they had paid {$1000.00} on the same day and I owed them this money. After sending many proofs of my payments they still insist that I 0we them that money. Now they want me to make a conference call with them so they can prove I still owe the taxes or so it seems. How do I know they even paid? 
I can't get the check back, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
Money order in the sum of {$1000.00} dated XX/XX/2016, mailed in the XXXX ( New York ) found to be stolen and cashed at the XXXXXXXX XXXX of XXXX with no legible sender and recipient. 
All efforts to have it refunded proved futile and looks XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX XXXX XXXX, XXXX NY XXXX with the contact XXXX XXXX XXXX not capable of refunding the money for onward payment to the XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX NY 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 non-monetary relief
Consumer complaint received 2018-10-12 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: Clarity Services
State: FL

Complaint narrative:
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX  and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I recently noticed that large payments were being taken from my checking account the last few months from a " MR COOPER '' and thought it I had identity theft. After further research I found out what Mr Cooper is. My normal monthly mortgage payment with XXXX Bank was {$590.00}. I found that beginning XX/XX/XXXX Mr. Cooper began withdrawing {$590.00} then in XXXX they began withdrawing {$790.00}. The only reason I noticed this was thru my bank statement as I have always paid my mortgage paperless with monthly auto draft thru my checking account. 
I called XXXX XXXX company 4 times to get this resolved & supplied them with proof of insurance and continuous coverage. Most recently XX/XX/XXXX speaking to a XXXX XXXX in the escrow department. I explained my concern and he told me my case has gone thru the research department and the decision remains and I can contact whoever I want but it wont be overturned nor will I receive any refund. He also told me that 4 CERTIFIED pieces of mail have been sent to me. I have NEVER received a certified piece of mail nor signed for anything from Mr Cooper. He didnt want to give me his supervisor name, saying that I wouldnt reach him anyway, as he was out of office and they dont have voice mail. 
The letter I received dated XX/XX/XXXX states our records indicate a lapse in coverage between XXXX and XXXX. This is absolutely incorrect and I have provided proof that I made a payment for the entire year! Payment of {$1000.00} was received XX/XX/XXXX which paid for the 1 year renewal thru XX/XX/XXXX! I also have renewed since this time and provided them proof of continuous coverage and declaration pages of my insurance thru XX/XX/XXXX. 
I am requesting a refund for the overpayments. My insurance company has provided proof of payment and continuous coverage however Mr Cooper refuses to fix this and continues to draft out an additional {$190.00} monthly. This is DUPLICATE coverage!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
This is in regards to the Equifax breach in 2017, I am trying to freeze my XXXX year old 's credit. I can not get a copy of his free credit report online because he is under the age of XXXX. I can not file to freeze his credit with the three credit reporting agencies online. I have to obtain on these special documents ( my driver 's license, his birth certificate, my SSN card, copy of my birth certificate, ect ) and mail them into the credit reporting agencies. I do not feel comfortable making copies of all these private documents putting them in an envelope labeled to each specific credit reporting agency. What if someone opens this piece of mail with all my personal information? This is not my fault this has happened. This shouldn't be this hard to put a freeze on my child 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
credit card number was stolen in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is stating they can not located my credit report and credit file by my name, social security, address or anything. I was told to fax them in my drivers license and social security card " to verify my identity '' and call back. I waited 3 days and called them back only be told the same thing that they can not locate me and that " I must not have any credit ''. Then I was told that if I can pull my XXXX credit report to fax or mail that into them so they can look at that. 

I've called my credit cards and they said they report their data to equifax. 

I have 17 years of credit, have 2 mortgages, student loan and 2 credit cards. I have CREDIT. This has been very frustrating. 

What is the solution here?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.

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 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
They call approx 5x every day! Its XXXX XXXX and they've already called 2x. Yesterday they called at XXXX, XXXX, XXXX, XXXX, and XXXX. Everyday since XX/XX/XXXX, I get between 3-5 calls a day. Its harassing me!

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 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I had judgement in XXXX against me with XXXX XXXX. The collection agency Suttell and Hammer is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX  balance from a notice from Suttell and Hammer. I called Suttell to asked them why couldn't I receive a notice that Suttell was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
Since XX/XX/2018 to XX/XX/2018 were made some fraud charges on my citi card, also a call to try to pay it on XX/XX/2018 that I never made or autorized. 
I notified to the bank as soon as received the statement on XX/XX/2018. 
According to the bank statemen the fraud charges were made in XXXX, a Country that I never visited neither my family. 
In that period I travelled to XXXX and informed previously to the bank according to their requirement. 
I notified them that I and my family to be in XXXX from XXXX to XXXX. 
They opened a dispute but already closed it not in my favor. 
I believe that they handled the dispute not very well because I gave them a lot of information and it is obviously that there was a fraud. 
I hope you can help me mi, thanks in advance.

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