vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
About a little over XXXX year I went to my bank ( Citibank ) to do a regular transaction with them while being there they offered me a Credit Card to help build my credit since I didn't have one. I asked that if I could move a balance from another account to this card and they said that it was not a problem. When they offered me that card and that in was interest-free for as long as I paid my balance on time each month. So I received my card, and started paying the balance each month on time to avoid this. To make things a lot easier on me, I decided to enroll on autopay to so I wouldn't forget each payment. For months I saw that the payments was going thru w/o a problem. A few months ago I started noticing that my balance was NOT going down despite the fact that I was paying the minimum amount which was anywhere between $ XXXX to get this balance down faster. Well it turns out that despite me being responsible for this long the bank was charging my a " interest fee '' for having the card and I was never told this. I found out when I checked online that they were charging me around $ XXXX dollars each month for this " interest fee '' even though I had already paid on time every single time. I called the bank and they said that it was an interest for having a debt with the bank which it was NEVER explained to me. Had I known that I would have never agreed to this. I asked their representative since when they have been charging me for this and he said that since late XXXX. I was floored, no wonder my debt never went down even though I was paying responsibly each month around {$90.00} dollars. To me this is completely illegal, I was never informed about this by the bank nor I received a letter or email regarding this. I asked the bank to reimburse me all that money and they put me on hold a few times but the phone call never went thru. So I feel like they are not taking responsibility for this. I would have paid that card basically in full if they didn't charged me all those outrageous fees for so long. Here I am paying on time, being a good citizen, not missing a single monthly payment so the bank can easily rob my money without my consent. I need to for the bank to reimburse me all that money. I appreciate your help in advance. Thank you.

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 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
i have tried to contact these people for over week, and never could speak with anyone. 

i filed complaint the other with you'll and within a few hours someone cll and left me a message to call but of course it was after closing!!! 

i called today and spoke with someone and said i hadn't sent in the information they needed i said yes i had and gave here the dates and time i had. then she said oh let me check then came back and said we don't recognize that bank i said what do you mean, she said that they are not a real bank they don't have a brick and mortar store i said what do you mean the federal government recognizes them that where my Social Security goes and my pension and then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
XXXX XXXX XXXX voluntarily stopped treating my lawn but continued to bill me for months of services that they never rendered and they changed the terms of the verbal contract with the sales agent. They also, reported it to American Profit Recovery ( Due process was never provided by this company. They never contacted me about this debt ) and they reported this debt to collections on my credit report. 

I have contacted XXXX XXXX XXXX  and reported to them that their technician voluntarily stopped treating my lawn and asked that they review their trip report to verify this but they refused and the manager refused to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the account.

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 2021-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have a loan through Mr. COOPER and I refinanced from a 30 year to a 15 year in XXXX of XXXX. I also own another rental property which I sold on XX/XX/XXXX and during closing I learned that they, Mr. COOPER, listed XXXX other properties on the refinance in XXXX which includes the property I was selling on XX/XX/XXXX. They listed a total of XXXX parcels and listed them all as the XXXX XXXX XXXX property. One of these parcels I haven't owned since XXXX and the other is another rental property I own. I was told I have to pay off my mortgage with Mr. COOPER with the sale proceeds of my other rental. This is an error on the mortgage and I have been asking for the past 2 weeks for it to be corrected. They pointed me to XXXX XXXX XXXX who was the closing company Mr. COOPER used for the refinance and said it's their error. They are saying they have to work with Mr. Cooper to get it fixed. My profit from the sale of my other rental is being held up. Mr Cooper is awful customer service and no one seems to know anything. They sent me to a resolution XXXX, XXXX XXXX who can do nothing and stopped responding. XXXX XXXX XXXX also stopped responding. I think they are both fraudulent companies trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCB Investments LLC
State: IL

Complaint narrative:
XXXX I received an alert on my credit report on XX/XX/2021 regarding a debt of {$42.00} from A Alliance Collection that they placed on my report. I contacted them the same day to confirm the debt, and to send me a copy of the debt. As of today, I have yet to receive it, if the debt belongs to me I would like to resolve so they can updated my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is breaking several laws. They have been continually reporting erroneous information on my consumer report. This is not any type of credit agency, Im upset and want this issue handled now they are ruining my reputation and my mental health.

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 2021-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.

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 2021-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called XXXX and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX  it got XXXX XXXX  XXXX XXXX? They had no idea why I am calling I explained they never heard of me. XXXX claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Barclay Bank of Delaware  This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, XXXX 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 2021-10-18 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: CA

Complaint narrative:
I reached out to the credit bureaus documenting several errors on my reports. They ignored my letter and have not fixed the problems.

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 2021-10-18 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: FL

Complaint narrative:
Why I see this negative information on my account? I didn't applied for this. I think someone used my personal information. What should I do with it? My credit report looks so bad now!

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I hired XXXX XXXX XXXX to handle discrepancies within my credit report. Navy Federal was removed XX/XX/XXXX, however, they have since then continued to report. This is causing my inability to acquire credit, and to purchase My Home. Ive asked them myself to please stop reporting, and they sent an email asking me specifically the account number, in which I no longer have because I dont have an account with them, and that they have no idea what Im talking about. But I received a letter from them in XXXX stating that all of the information was accurate, when they provided no amount, no date, and definitely no account number. I paid this company off in XXXX, and they continue to report even when its been removed. So I assume when they see that its been removed, they take it upon selves to re-add it to my credit report, which is bullying, and not fair to myself as the consumer. I have attached the email that was sent from XXXX back in XXXX letting me know that this has been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: LoanCare, LLC
State: AZ

Complaint narrative:
Loancare holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think loancare misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and Loancare had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach Loan care to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on XXXX of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I have no idea what this collection is for - it just showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit score dropped 15 points with no explanation other than reported positive notes. No new inquiries, debts, public comments, missed payments etc. 

Unable to speak with anyone regarding specific report. After calling 5 or more numbers I spoke with someone at Experian. She was unable to provide me with information as to why it dropped. The agent advised me to call XXXX who again could only tell me general information on reporting, nothing specific to me or what information I didnt already have access to. 

For a score that can dictate your livelihood, it should be very clear the reason your score dropped with data/facts as to why to support it not an algorithm! Furthermore, someone at the company should be able to address these concerns, review, and correct immediately if its an error.

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 2021-10-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2021, I had two XXXX XXXX checking accounts linked to my CitiBank XXXX XXXX XXXX XXXX MasterCard as payment accounts. I removed one, intending to use only the other ( my primary account ). 

Thereafter, Citi continually began refusing to accept payments or payment accounts. First, they refused payment from XXXX XXXX from my primary account. Then they refused to allow the primary account to be the payment account. Then they accepted the primary account as the payment account, accepted a payment, then told me they had refused the payment. 

I continually added both my primary account, then the secondary account I has used before, as payment accounts. Citi continually told me the payment accounts have been accepted, and continually accepted my payments, then later told me the payments had been refused. 

I talked to SIX different representative at Citi, and was given SIX different reasons for Citi 's XXXX XXXX, ranging from Citi refusing to accept my primary account as a payment account due to " the float '' on a payment that was not even made until NINE DAYS AFTER Citi made that refusal, to being told TWICE that the problem was that XXXX XXXX Bank was actually controlling CitiBank 's computer screens. I am NOT kidding about that. I made doubly sure the Citi representative was telling me that XXXX XXXX Bank was remotely controlling Citi 's screens, and that's why my payment accounts were not being accepted! 

In any event, I repeatedly gave Citi valid payment accounts, both of which I has used with them before, and repeatedly received acknowledgments that I had added these accounts as payments accounts, and repeatedly received confirmation that I had made, and Citi had accepted, my payments ( and they DID accept the payments ). I also repeatedly received notices from Citi that payments had been refused, due TO THERE NOT BEING A VALID PAYMENT ACCOUNT! 

Now, Citi has closed my XXXX XXXX XXXX XXXX Card account, a card I have held for more than twenty years, due to the refused payments WHICH THEY THEMSELVES REFUSED TO ACCEPT, BECAUSE THEY THEMSELVES REFUSED TO ACCEPT MY VALID CHECKING ACCOUNTS AS PAYMENTS ACCOUNTS! 

In short, Citi continually refused to accept the very payment accounts I had used with them previous, then, because of their error, they refused to accept payments ( after telling me they did accept them ), then repeatedly DID accept my payments and payments, only to once again tell me they were refusing payment due to there not being a payment account. They did this over and over and over, lied to me repeatedly on the phone about what was happening, completely refused to take any corrective action, and NOW HAVE CLOSED MY ACCOUNT DUE TO THEIR OWN UTTER INEPTITUDE AND DECEIT.

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 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
i took out a second loan in XXXX for XXXX with XXXX XXXX the company went bankrupt and i had made payment up until tie company went under in XXXX never heard anything again until this year someone showed up at my foot saying i defaulted and wanted me to pay {$130000.00} and they were threatening to foreclose on my home and have been threatening me harassing me and stressing me out I do not agree with this and the amount they are trying to collect please help me it does not show on my credit and has not it also my first mortgage has no knowledge of this and say they are they only leon holders

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: ARVEST BANK GROUP, INC.
State: WA

Complaint narrative:
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

Avrest Mortgage recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.

Company response to consumer: Closed with explanation