vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I received a call from my Citibank ( XXXX XXXX Branch ) relationship manager Mr. XXXX XXXX that there were some KYC questions that he wanted me to answer. 

I answered those questions and Mr. XXXX informed me that the would make the necessary changes at his end. 

Later on XX/XX/2020 I tried to make a withdrawal from my Checking account with Citibank using my ATM/Debit Card but was denied. I contacted Customer Service at Citibank and learned that a " Block '' had been put on my account by Mr. XXXX. The customer service agent informed me that they had sent Mr. XXXX an email about this. 

On XX/XX/2020 in the morning, Mr. XXXX called me to let me know that he would have the " Block '' removed by the end of the day. In the evening, however, when I tried making a withdrawal, I was once again denied. I was also informed by a vendor that a check I had issued to them last week had been returned. 

The following are the bank 's details : Citibank XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, NY XXXX Relationship Manager : Mr. XXXX XXXX Tel : 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 2020-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 Lord and Taylor Submitted a hard inquiry on my credit report without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX we closed on a refi with our title company. With the closing of the refi, we were paying off the balance of {$9400.00}. The title company overpaid by {$1700.00} so the check total was for {$11000.00}. 
Barclay received the check, cashed and cleared by XX/XX/XXXX. 
I called Barclay and was told it can take 7-10 business days for the payment to be applied to our account. It never got applied to my account. 
I was then informed it would take another 7-10 business days to find out IF Barclay actually received the payment. In the mean time I was advised to SEND ANOTHER PAYMENT so I won't get hit with a late fee!!! So not only do they have my money, they have the overpayment of {$1700.00} AND they want me to send them another {$230.00}. 
I feel like I have been taken for a ride and I have been stolen from. All I want is my money back, to pay them off and get them out of my life and spare anyone else the headache and time spent trying to get them to just do the right thing.

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 2020-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
My prior loan company XXXX withdrew my XXXX payment on XX/XX/XXXX for XXXX payment. A new loan company Heartland ECSI is now charging me for the XXXX payment. They state that their billing period starts on the XXXX of each month. I have paid XXXX in FULL through the prior loan company. Therefore, my next payment should have been due in XXXX. They say they are charging me a prorated amount for XXXX. Why? XXXX was paid in full to XXXX. They also informed me that they are charging ALL of XXXX student loans the same way. Thats ALOT of loan overpayments! How can I owe them for XXXX when Ive paid XXXX to XXXX? Pro rated or not, XXXX was fully paid. 

I have paid XXXX through auto bank withdrawal for a few years. Ive NEVER been late and I pay a few days early. Now my credit will be affected due to over billing from XXXX. Student loans are expensive enough without having to make a payment TWICE. Thanks for any guidance you can offer. This is just wrong on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: AES/PHEAA
State: TN

Complaint narrative:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING 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 2020-01-16 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: FL

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to change my residence address and employment information on my credit report. I tried to get my credit report online so that I could change my residence address and employment information, it needed to be updated becauseit has changed and what Equifax has on my credit report is incorrect. I went through, XXXX to get my annual report. 

Equifax would not give it to me online, XXXX had me fill out a form and send it to them along with my driver 's license and social securitycard, which I did. 

On XX/XX/XXXX, I receiveda letter from Equifax stating they wanted me to send them the same XXXX asked for, which was my identifying documents, which I did. I sent them a letter to change my residence address and employment information, along with the info they requested. They still did not honor my request. 

On XX/XX/XXXX, I receiveda letter from Equifax reiteratingthe same letter they sent to me on XX/XX/XXXX, excludingmy change of address and employmentinformationand sending me verification that the change has been completed. I want my residence address and employment information changed to the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with Bank of America and in that face to face process explained i can not use my street address and not comfortable to give it out. Where i live the people on the street take mail from mail boxes, break into cars amongst many forms of vandalism and theft. I explained it is imperative that my account be noted to 'NOT MAIL TO THE STREET. ' Because I am FORCED to give a street address I am at risk. 

This complaint is to exemplify that all the double text codes and call codes, passwords and verifications FORCED upon people are null and void ... nothing short of pure harassment that is only protect for the banks and little to zero protection for the consumer. I was trying to view last years downloadable spreadsheet format for 2019 tax purposes and the online system is not easy to use. ( ALL BANK AND CREDIT CARD ONLINE SYSTEMS SHOULD FOLLOW EXACT SAME FORMAT SO PEOPLE CAN NAVIGATE EASILY ) _. So i called in and asked the bank be sure to cancel any mistakingly ordered paper statements in my trying to figure out how to get a download version. 

The statement being mailed to the POB would have been ok and something I could over look ... that the bank didn't head my request to NOT mail paper. But no, my statements were mailed to the street address that i have more than once, verbally and in writing, have requested DO NOT MAIL TO THEW STREET PEOPLE ON THE STREET USE IT FOR TOILET PAPER OR ID THEFT. But Banks do not care ... they say that the FEDERAL GOVERNMENT " requires '' they only use a street address. IS THAT SO?

So the government is on the band wagon to terrorise consumers and put our personal credit at risk? Not only are consumers FORCED to divulge our complete social, mail address, phone numbers, birthdate to people in other countries but now our government is making banks use street addresses that are given solely as reference when someone live in a high crime area?

XXXX XXXX XXXX!!!!!! you guys i am calling the bull  XXXX card on this one. Are you on the consumer 's side at all? Who the heck is supposed to protect us? 

We have no one and you guys are allowing the banks, insurances and even foreigners in foreign countries more rights over our own private information than ourselves. 

LAYER UPON LAYER of security in texts, codes, emails and passwords for everything we do and you will FORCE us to jeopardize our credit files over something so prehistorically ignorant as a street address? 

XXXX XXXX XXXX!!!!!!!!!!! 

This must be rectified ASAP

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 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked XXXX, XXXX & Transunion to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document,these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this  debt as being valid and verified. 
I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.

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 2020-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked Equifax, XXXX  & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified.

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
We submitted three individual checks for deposit by mail in the total amount of {$9100.00}. The bank, Simple Bank aka BBVA Compass Bank, notified us that they were unable to deposit the checks on XX/XX/19 and stated that we would be sent the checks, along with a statement explaining why they couldn't be deposited. 

The checks were paid to us from the State of California for XXXX  XXXX, so we were surprised that there was even an issue with the checks. 

We have yet to receive the checks and the bank is claiming to not know where they are and are refusing to do anything about it until the checks show up somewhere. 

We have tried numerous times to get any news from the bank but they have repeatedly been stonewalled and given no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
For the last ten years, I have faithfully made each of my student loan payments while following all of the prescribed guidelines to fulfill the requirements to qualify for the Public Service Loan Forgiveness Program ( PSLF ). After successfully completing the required 120 payments, and submitting the proper paperwork to FedLoan servicing I have received non-answers or have been given conflicting information regarding the status of my application for forgiveness. Since XX/XX/2019, I have been working with FedLoan to have my loans processed and forgiven. For four months, it appears that no meaningful work was completed and only as of XX/XX/2019 was my information sent to the Department of Education for further processing. The lack of clear communication between FedLoan and the Department of Education is beyond frustrating. And to add to the frustration, when speaking to representatives with either FedLoan or the Department of Education ( Federal Student Aid ) they say that the other office/department is responsible for the processing of my application for PSLF. This whole situation is extremely frustrating, for 120 months I have done my part and lived up to my end of the bargain regarding PSLF and now that I have surpassed the 120 payment mark, I have been left to hang out in the wind. I can get no information as to the status of my application and when I can anticipate a payoff date. I am trapped in my current job because, due to the requirements, I have to remain employed by a non-profit organization to receive the payoff via PSLF. This entrapment is now having a financial impact on my longtime earnings potential. I need to know when my loans will be forgiven!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I was a customer of XXXX for many years. Upon completion of my last renewal period I decided that I no longer wished to have their service. I had completed my last 24month commitment by a year and " per my contract '' I paid in full the remainder of the month in which I cancelled. XXXX began sending me bills for an additional {$100.00} for an additional month that my contract did not require. I contacted XXXX on numerous occasions to explain this and their response was that since the XXXX XXXX XXXX buyout their policy had changed and I now owed this additional amount. My w/XXXX  contract had no such clause and I refused to pay it. After many more calls to XXXX I finally talked to a gentleman that seemed to understand and assured my that he would get it " taken care of '' and I need not worry about it anymore. 
After several months I started receiving collection calls from a third party requesting payment for this debt that was not owed. I again spent many more hours trying to straighten this out but they were not interested in the fact that this debt was not owed in the first place. I have not had a late payment on anything in over 20yrs and these people apparently have the right to send my credit to the sewer over a debt that is not owed??? Something needs to be done about this. It is not always the consumer that is fraudulent. Add XXXX XXXX XXXX to the criminal list ... ... Am I supposed to hire a lawyer over a {$100.00} fake debt????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: NV

Complaint narrative:
This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of 2020. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Experian with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through mail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the balance on the account which is actually XXXX. There is stuff that is inaccurate that Experian has had two chances to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # 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 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

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