vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In the month of XX/XX/2018, while on a XXXX XXXX flight, an attendant announce to passengers that we could take advantage of getting more miles by applying for a credit card account. When several passengers questions this, the flight attendants told ALL of us that if we didn't want the card, please tell Bank of America when they called. As I return to my origin, I check my credit report and score and noticed boa already pulled my credit report. I did not want a credit card and called BOA and explained this. I shared with them this was a deceptive practices and this is how they got in trouble not to long ago. The personal assured me they would remove this inquiry. It has been over 30 days and it has not been removed.

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 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 I received an email alert from American Express stating my account was cancelled and closed. I immediately looked online to my account and saw over 10 payments returned as NSF. I then went and checked with my bank account which I had already had to dispute transactions with and saw none of those accounts had those payments trying to show as coming through. I started to look further and saw my other cards were compromised I then looked online at my credit report and saw many inquiries and I confirmed that my identity had been compromised. I then contacted American Express and let them know of the issue and was told since this has just started or that the account was just closed it would be more sufficient to wait 24-48 to appeal the closure and send in supporting documentation. I wanted to dispute the cancellation of my credit card as this mess was created due to identity theft. Not only with fraudulent payments being made but also fraudulent charges were also added to my account. I have attached the police report, FTC Affidavit and I printed the statement for the past three months and marked off the disputed activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I talked to experian and they refuse to help through their customer service telephone system. I have several inquires and a bankruptcy listed on my report that I have no knowledge of and tried to dispute these but they apparently did not want to take the necessary time to help me file a dispute. Under the FCRA I am allowed accurate information on my report and wish for these items to be deleted so that my report is accurate and not causing me harm.

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 2018-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
1.- On XX/XX/2018 received at my address letters from Pressler, Felt & Warshow L.L.P . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of XXXX XXXX : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX   3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/2003. They represent XXXX XXXX purchaser of these debts from XXXX and XXXX ( XXXX XXXX ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/2003 ) I was not resident of the state of XXXX XXXX .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that PRESSLER, FELT and WARSHOW are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: HI

Complaint narrative:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from Experian is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with Experian

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 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was going through a modification with my previous servicer XXXX XXXX. I applied for the modification a year ago. The communication was horrible. I was lied to several times and told the modification would be completed the next month. I would call the next month and was told it was still processing and to call again the next month. Recently I found out that my loan was transferred to Shell point mortgage and XXXX reported late payments to the credit bureau. I was told during the modification process, no late payments would be reported. I was entered into the modification due to the hurricane in XX/XX/XXXX and falling behind on my bills because I had to evacuate. My payments were deferred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I resumed making payments. The communication about the deferremenr was terrible and never explained to me properly. I was eventually sent paperwork to modify my mortgage payment in XX/XX/XXXX and completed it. All of XX/XX/XXXX I was given the run around. Never a straight answer on when it would be completed and at what stage in the process it was in. Now my loan was transferred to Shellpoint mortgage and I'm being told that they aren't accepting my payment due to the stage it's in and returned my payment. I was told nothing would change when transferred over but that seems to be more false information given by XXXX. I'm fearing that shellpoint will report late payments or that this will cause an even further delay with the modification That has been in process at this point almost a year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: CA

Complaint narrative:
Subject : Dispute fraudulent charge on a card closed for over 2 years and fix credit report ASAP Case details : a ) Card Issuer : BARCLAYS BANK DELAWARE b ) Account id : XXXX c ) Last 4 of  card number : XXXX d ) Type of Card : XXXX XXXXr MasterCard e ) Card Closed on XXXX XX/XX/XXXX f ) Unauthorized charge details $ Amount : {$100.00} + late fees Merchant : XXXX XXXX date : XX/XX/XXXX ( after 2 years of closing the card ) g ) Reported to Barclays agent : XXXX. Barclays refused to give me a case number I need help urgently. I closed my Barclays card on XXXX XX/XX/XXXX. My account was in good standing and I have paid on time as you can see from my past record. As I was applying for home loan, I was told that there is late charge on my credit history and my credit score is down by XXXX points. Now I am not getting Home loan. 

I am surprised that a card that was closed in XX/XX/XXXX can be charged in XX/XX/XXXX two year later by a merchant for a new transaction. This is a clear breach of trust and miss on Barclays fraud system. This was reported to card bureau as overdue by 30 59 days without giving me sufficient notice to dispute this charge. I also got repeated calls ( at inconvenient times ) from XXXX XXXX XXXX claiming to be calling for Barclays. 

This has negatively impacted me and my family and created mental and emotional stress. I request you to a ) Please help close my Barclays Account and all cards associated with it I thought I already did this. Please ensure no merchant can charge my CLOSED card. 
b ) I request you to please get my record corrected with the Card Bureau ASAP I need my score back and have to cancel my home buying plans c ) I would also request compensation for the stress and challenges it has created for me. 
d ) I would also like you to fix the Bank system, which I am sure has impacted other customers and will continue to impact more in future.

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 2018-11-23 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: HOVG, LLC
State: GA

Complaint narrative:
My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a copy of my FTC identity theft report to all credit bureaus to remove items that were fraud and not submitted by me. XXXX & XXXX investigated and removed those items. Equifax investigated and did not remove anything. This is causing negative effects on my life. 

{$1000.00} collection, I disputed with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with 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 2018-11-23 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: HI

Complaint narrative:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX  is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
A company called XXXX XXXX  XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. 

Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX  and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX  use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
All activities occurring between XX/XX/2018 to XX/XX/2018 on my business credit card account are fraudulent activities. 

I informed Citibank of the fraudulent activities as soon as they were noted on XX/XX/18, prior to several of the transactions posting to the account allowing enough time for Citibank to freeze the account but they did not. 

I contacted Citibank on numerous occasions over the phone in regards to the fraudulent activities as well as talked on the phone with a representative from Citibank, the car rental company posting a charge, XXXX, and this charge was reversed but I was never given any information as to why it was reversed. 

Citibank reversed several other charges that was disputed during this time period, but would not reverse other charges that occurred during the same time period. 

I have requested on more than one occasion that Citibank provide me with all the details of their investigation into this matter including the phone conversation regarding a car rental transaction that Citibank later stated was fraudulent, all discovery and any information that they obtained during their investigation. They will not supply me with any of this information. 

I have discovered that I was a victim of identity thief during this same period and I had fraudulent activities on this account similar to other fraudulent activities noted on my other credit card accounts during the same period of XX/XX/2018 to XX/XX/2018. There were even 2 credit card accounts opened in my name during this period of time. 

I have filed a police report in regards to all the fraudulent charges made from XX/XX/2018 to XX/XX/2018 on this account but Citibank is not assisting in any way with the matter. 

This account has been closed to prevent any further fraudulent activities.

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 2018-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.

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 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi credit account was recently closed due to returned payments made within the last 6 months. 2 payments were made using the wrong checking account number. An amount to XXXX and XXXX. An payment of XXXX cleared before closer and was made over the phone use the correct account number. 
I don't feel I was treated fairly by the Citi Bank. I spoke to the department in charge of the closer as well as the Supervisor. I  was told the account can not be reactivated. I wasn't given a reason. I again was treated unfairly. The amount that remains on the account is 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 2018-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loans were with XXXX my interest rate was very low All of a sudden my loan was taking over my navient which I never authorized. Now am stuck with them and about a year my loan is 10k more then I owed. Monthly payment is so highly I have to defferred every year or I will be sent to the credit bureau. I want to know can navient take over a student loan without the student signed consent?

Company response to consumer: Closed with explanation