vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Hello, I assumed and modified a loan with Nationstar Mortgage aka Mr. Cooper in XX/XX/XXXX. Through that process, the lady I was working with told me that the first batch of documents were lost and I needed to send out another copy, she informed me that I should not pay until the assumption was completed. I sent in a new batch of documents and placed the mortgage payments in a savings account for when the loan was completed. I was told several times that once I make the payment all late payments would be forgiven. The assumption/modification was completed, and I made a lump sum payment. I am currently in good standing with my mortgage, however they are reporting that I had this mortgage since XX/XX/XXXX. Which would place me at 11 years old with all the late payments. I am requesting them to fix their reporting and they have failed to do so. Please help. I am now trying to refinance and I can not due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX Account number : XXXX Issue with Citibank XX/XX/2018 Monthly Service Fee {$25.00} After calling them multiple times to have them change my account package for the monthly service fee, they sneaked me this fee one more time. This is like the 4th time they have done this to me since the first time I called in.

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 2018-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
1 : I applied for the XXXX XXXX Prepaid Plan. After reviewing that I have signed the payment completion order, XXXX XXXX will not send my order to various issues. Also limited my 2 : I opened PayPal 's PayPal credit account, when I bought a very smooth shopping ready to complete the payment order, waiting to send my phone 's verification code to verify my personal information, I enter the verification code verification result verification is wrong, I The customer service staff who had called and consulted answered the verification code again. I repeatedly asked the customer service staff to confirm the verification code and enter the verification code. The last error was inconsistent. I think the paypal card is actually just a fake digital wallet. Unable to use, PayPal deceives consumers. Because I consult customer service, customer service can not answer, transfer topics, and finally hang up. 
I can't use PayPal credit payments, PayPal cheats consumers, and my credit report doesn't show that I open a PayPal credit account. 
I must complain about XXXX XXXX and paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have Complaint Number XXXX against Bank of America, now has their denied as : When a transaction is made in person, the consumer has the opportunity at that time to inspect or reject the merchandise. If the merchandise is later found to be unsatisfactory, defective, or incomplete, credit is at the merchant 's discretion. Without a credit slip, we're unable to assist you further. 
When a company try to scam you, there's no way we a senior consumer will aware and know we have to inspect before we left, also the tour 's guide rushing us back to bus and left immediately. 
XX/XX/2018 I also try to contact merchant again but fail. Please see all attach as ref. 
When I get fails for reply, I even try to give merchant XXXX email than XXXX, maybe XXXX has no XXXX. But I am unable to get hold with merchant, and BOA can not use this to against me and force transaction go through to get me as victim for this sales.

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 2018-05-12 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: FL

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My load was sold to Specialized Load Servicing in co. Ever since the transfer, back in XX/XX/XXXX they have called every month about my loan. My loan is due the XX/XX/XXXX of every month, and late after the XX/XX/XXXX. I was on auto payment, and they did not call. I removed that service, and now they are calling everyday. They are complete XXXX. They seam to ignore the terms of my original XXXX XXXX Loan, which by law they have to follow.

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 2018-05-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
AMEX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit 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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Debt was written off by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Absolutely no attempts to collect this debt have been made by company since then. In XX/XX/XXXX company mailed a XXXX Cancellation of Debt to me which I did not receive until approximately XX/XX/XXXX, to late for me to include it on my XXXX tax forms, because they mailed it to the wrong address. Company discharged debt in the amount of {$1000.00} but have continued to report on a monthly basis a " Not Paid '' amount to credit reporting agencies in the amount of {$1800.00} ( I believe the discrepancy is their fees and interest ). I have been forced to pay hundreds of dollars in taxes and fees on this amount because they didn't provide the required tax documents to me in a timely basis and because they failed to attempt collection for more than 36 months this XXXX should have been issued for XX/XX/XXXX not XX/XX/XXXX.  Furthermore, because of the XXXX XXXX XXXX for their decision to no longer pursue collection of this debt the " Failure to Pay '' code should have ended at the very least in XX/XX/XXXX if not the actual 36 month period of XX/XX/XXXX. As a consumer it is extremely inequitable that the company gets all the benefits of their tax write offs and to basically do whatever they want while I am forced to claim this as additional income and pay taxes on it while still being expected to pay the debt and placed in a position to pay thousands of dollars extra for my mortgage loan and car loans and substantially effect every aspect of my life by continuing to report this on my credit. I have disputed this multiple times with the credit reporting agencies along with a copy of the XXXX and always get the same answer that the debt is " confirmed ''. And still every single month the amount of {$1800.00} is reported monthly as not paid driving my credit score down. It wasn't doing this until I filed a complaint with the credit agencies, now I feel almost like i'm being retaliated against for filing a complaint they are making sure my credit score goes down every month because of a derogatory payment report. These are unfair credit reporting practices that benefit the business at the extreme detriment of the consumer. Their issuance of the XXXX cancels the debt, that should have been the end of credit reporting.

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 2018-05-12 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a XXXX XXXX Credit Card with Wells Fargo Bank that was closed by Wells Fargo without notice. The account was opened in XX/XX/2016  and never had a balance because it is a credit card that is used for medical expenses. Fortunately, I did not need to use it. When I went on the Wells Fargo website to pay my mortgage and other Wells Fargo Credit cards I noticed that the XXXX XXXX was closed. I never received any e-mail, letter or alerts that the account was pending closure. I called up and asked why the account was closed and WF informed me it was closed due to inactivity. I asked why I was not notified and was told someone would contact me in a few days. About a week later I received a letter stating that they do not notify the customer if the account is closed and I would need to go to XXXX XXXX if I wanted to reopen the account. I do not want a new inquiry on my credit report and do not want to have an account showing as closed by the creditor. If I had known the bank was planning on closing the account I would have paid a doctor bill with it to keep it open. I would like this account reopened and I will make a payment to my doctor when I get my annual physical.

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit 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 2018-05-12 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX I noticed on XXXX XXXX that Amex had reported my closed account as being late. That same day I contacted Amex and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that Amex would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted Amex again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an American express Platinum card, it was opened on XX/XX/XXXX and during the course of using this card i was not informed that i have to pay all my bills when its due. So during the due date i called the customer service representative and told them i had no idea the full balance was due immediately. The representative i talked to said that if am able to pay a certain amount that it will not be considered a late payment. I paid more than the amount agreed and on the agreed date i paid the remaining balance. So weeks later i found out that they still reported my account as late even due we came to an agreement that if i finish paying my balance on the date agreed it will not be considered late payment. I contacted American Express on the issue, told them of the arrangement i had with the representative but they kept sending me to different departments every time.I didn't know what else to do so i closed the account on XX/XX/XXXX but the late payment is still there and it is hurting my credit score. I hope you can help me resolve this dispute. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Submitted a complaint with Equifax using their online tool. Received an email from Equifax saying that the complaint was investigated and I need to log into their system to view. They asked for some personal information to confirm who I was. I provided it all accurately and received a message saying " The information you have provided does not match our records ; therefore we are unable to process your request online. '' There is no phone number to call them to discuss it so I can't resolve it directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: GA

Complaint narrative:
On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: MS

Complaint narrative:
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

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 2018-05-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles.

To this day the account is still reporting to the credit bureaus as 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: MS

Complaint narrative:
On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

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 2018-05-12 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XX/XX/XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation