vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: NC

Complaint narrative:
My Equifax credit report of XX/XX/XXXX. 
Reports a XXXX account Opened XXXX XXXX XX/XX/XXXX Address of XXXX XXXX XXXX deleware On my Equifax report of XX/XX/XXXX Reports it is a changed name XXXX XXXX XXXX DELEWARE Not XXXX XXXX I reported fraud and identity theft in XX/XX/XXXX to  XXXX/Equifax. The accounts were supposed to all be closed but this changed name account within 6 months were reported 2 different ways on the same company Equifax XXXX opened XXXX XXXX XX/XX/XXXX shows it remained open thru XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX senior and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Company did not provide notice required by California code 1788.52 ( d ) ( 1 ) when it posted a transaction on the account under the auspice of an adjustment. The company is attempting to change the statute of limitation on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanUnited.com, LLC
State: TN

Complaint narrative:
Loan United solicited me by mail and phone calls about the VA Interest Rate Reduction Loan in XXXX after reviewing my loan somehow. I was told that my interest rate was too high 5.25 % and that I could skip 2 months payments and also receive a refund from my escrow account. 

I provided all necessary loan documents and waited and waited ... .meanwhile I was receiving phone calls from my current loan company XXXX XXXX XXXX XXXX and I informed them about my refi. 

Meanwhile I had to dip into the two months payments for my small business and car repairs. The last week of XX/XX/2019 I was contacted by phone that I was DENIED! Due to a SEASONING REQUIREMENT? I was mad as a hornet and immediately contacted XXXX XXXX XXXX XXXX to apply for the IRRL and told the loan officer my situation. 

We also tried a HELOC on my second home which has XXXX in equity but I was denied because of the missing payments. 

Now Im even further behind because of this mess and facing a Foreclosure Aauction on the XXXX of XXXX even though I have already submitted documentation to XXXX LOSS MITIGATION and the VA HOME GUARANTEE SPECIALIST in MINNESOTA! 

I have received letters and knocks on my door to include people talking to my neighbors about my pending foreclosure. If this home is foreclosed on because XXXX FAILED TO PROPERLY REVIEW my information I will sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I have a cash app card and someone tampered with the account so I had it closed and a new card was issued but the {$70.00} I had in the old account didn't appear on the new account, after 3 days I was able to reach someone thru email but they cut off communications, there is no customer service number to call, they won't respond to the email address that was given I then did a little research and reached out on XXXX   I immediately received a text that they found my account and someone will contact me and that's a lie, I can't get anyone to reach out about my money. This company should be shut down they are stealing money and nothing is being done I've read many stories croon people who have flel prey to cash app and they're the same as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: KY

Complaint narrative:
XXXX continues to report to all XXXX credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX  and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. 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 2019-10-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's is reporting false information on my credit report. They say an account was open with my personal information and that i am responsible for this account. As of today i am only XXXX  years old and at the time the account was open i was XXXXyears old. The address used to open the account is ours except the apartment number is different from our apartment number. Please close and remove this account from all of my credit reports immediately Department Store National Bank is responsible for this false information. 
Macy 's is not my account. I am requesting that the item be removed and correct information be placed on my report. I HAVE ENCLOSED MY BIRTH CERTIFICATE AS PROOF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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: IL

Complaint narrative:
To Whom It May Concern : I XXXX XXXX recently pulled my credit from XX/XX/XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX I wrote to the 3 credit bureaus XXXX, EQUIFAX, & XXXX   informing them of the information the Bankruptcy Court gave me about them not performing any activities with the 3 Credit Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX//2018. I received a letter from XXXX AND EQUIFAX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to XXXX AND EQUIFAX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I used my bank 's quick pay service ( By XXXX ) via my XXXX checking account to purchase football tickets this morning ( XX/XX//2019 ) that were advertised on XXXX. I transferred {$150.00} and the tickets were never delivered and communication then ceased. The phone number that was communicating with me was XXXX and stated their name was XXXX XXXX. The phone is an internet phone # that you are unable to call ... wish I would have tried that to begin with. Their email that I used to send the money was XXXX. I filed a complaint with XXXX   as well but my bank simply told me that there was nothing that they could do. This is a bank certified service allowing the transfer of funds from different institutions and there is nothing that they can do? I thought that I was protected here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i keep telling them that debt that they bought from other company is bad debt and the account was closed because of fraud charges were made and the account was paid in full but they won't work with me and remove that debt from my name they keep reporting false information to the credit bureau and it's affecting my credit score very bad, i sent them pictures of payments but they won't  accept it and remove the account/debt from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MS

Complaint narrative:
This is a letter that I just sent Americollect. I am enclosing all of the attachments that shows the bills and the other correspondence. 

Americollect, I am enclosing all of the attachments that You requested.I called the other day to pay a {$160.00} and a {$150.00} bill that is showing up on my credit reports. I agreed to pay it because the dates of service are different from the dates of service that I have charity for. I am enclosing these charity letters.The girl that I talked to on the phone took a payment of {$310.00} over the phone. What I did not know is that she did not include the {$160.00} on this payment, but switched it to the other small bills, that I have charity for. I want the right bill ( {$160.00} ) credited, and I want both of these bills that I paid taken off of my credit reports.I also want you to review my charity letters, and close my file.Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
Received a letter from Caliber Home Loans of payments changes without given explicit explanation of the payment changes. If the change is because of escrow or taxes, they should provide the possibility to pay that adjustment. I believe to just notify changes without explanation is a really bad practice of the mortgage company, which can allow making any changes potentially illegal charges. As a matter of fact, I will pay interest for that amount because of this bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
We were awarded {$100000.00} by the Nevada XXXX XXXX XXXX on XX/XX/, 2019, Quicken Loan advised us that they received the funds on XXXX XXXX, 2019 however the company still has not connected us regarding recast or how the {$100000.00} has been applied to our account, Quicken has not sent any letters stating that the foreclosure process has been stopped, we have emailed and called several times since XXXX XXXX, 2019 requesting to know what our new mortgage payment will be, on XX/XX/, 2019 we receive a letter in the mail from Quicken stating that our mortgage payment has not increased but has now increased to {$1900.00} from {$160000.00}, no explanation has been given as to how the money that we awarded has been applied to lower our monthly mortgage payment, we can no longer wait to hear from Quicken because we received a letter earlier stating that foreclosure proceedings will continue unless the past due amount on our loan is brought current, there is no way that we can pay {$1900.00} when we struggled to pay {$1600.00}, we keep calling and writing and Quicken keeps sending us letter about their Application for Success program, no told Quicken twice that we only want to move forward with the Nevada XXXX XXXX XXXX, our mortgage appears to now be on the dual track towards foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I XXXX XXXX recently pulled my credit from XXXX XXXX XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the UNITED BANKRUPTCY COURT XXXX DISTRICT OF ILLNOIS ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX,2018 I wrote to the 3 credit bureaus XXXX XXXX & EXPERIAN informing them of the information the Bankruptcy Court gave me about them not performing any activities with thXXXX 3 Credit   Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX/2018. I received a letter from EXPERIAN AND XXXX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to EXPERIAN AND XXXX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank student loan Citiloan? lied about my graduation date which I wrote repeatedly and called reporting it's wrong in their documents, they charged extra interest fraudulently XXXX, XXXX, XXXX, XXXX, XXXX  ( date of loans about XXXX- XXXX ). They sent my loan to a collection agency, I was hounded daily by threats of lawsuits by email, phone, and postal mail. My XXXX XXXX XXXX in XXXX and I broke apart visibly. I suffered injuries to my XXXX XXXX because of Citibank 's refusal to acknowledge the U.S. Dept. of Education and XXXX University documents of my real true graduation date and my pleas for help. I paid huge amounts I starved for and lost my XXXX  XXXX to have a XXXX for in XXXX   XXXX XXXX  to Citibank 's demanded moneys I justifiably did NOT have to pay some of that by laws. The predatory school XXXX University XXXX XXXX XXXX XXXX lied I would have employment " {$100000.00} to {$500000.00} '' Financial Aid Officer said in front of staff, administration, the XXXX XXXX XXXX, and others to me. I was unemployed for 4 years after graduation. Twice trying to start a position, told I was unprepared, and let go, fired from internships, etc. because the predatory school faculty and staff didn't respond to emails for documents required to graduate by training over 2 years of unpaid unemployed training XXXX before the 4 yrs unemployment after degree, so Citibank refused to acknowledge in writing {$8000.00} payment I made, citibank refused to acknowledge that amount in document claiming they sent the loan to collection agency, so my paid amount Citibank refused to acknowedge to me, loan collection agency, and in the lawsuits against me threatened me, put me in their collection agency lawsuit threat, demanded I pay a huge percentage all at once which no one could do, so my mom emptied out credit cards, lost her retirement savings, and our health suffered paying it. I want my money back from citibank as refund and forgiveness, although they forced documents signed about us not suing or they would sue us for ALL the WRONG INFLATED loan amount falsified by them against me. I was terrorized in their financial fraud. I read you sued Citibank for such illegal private student loan practices, but I never heard from your people about your won lawsuits. PLEASE HELP ME immediately. they will fraud collections ( i.e, XXXX XXXX   XXXX ) has the loan so they can't do anything but it is a con set up of frauded loan amount to start with.

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