vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had my Citi charge card for many years and not had a balance for more than five years. I keep in in the event of an emergency. I have been paying an annual fee to hang on tot the card as well. Earlier this year i discovered i missed the notice for the annual fee as i receive so many solicitation offers from Citi in the mail. Upon discovering i reached out to Citi and they let me pay and told me they would waive the late fee and would not be reported on my credit. Thought the matter was resolved. SInce then i have been charged late fees and interest on a late fee to the total currently of {$280.00} in fees and {$13.00} in interest for zero purchases. This includes the fact that the annual fee was paid so i am paying late fees and interest on nothing more that a late fee that they told me over the phone would be waived when i paid the fee and was not 30 days late so would not reflect adversely on my credit. In addition to this it REFLECTING ON MY CREDIT ADVERSELY. This is the only late reflecting on my credit and has made a drastic difference on my credit score. I discovered this when applying for a mortgage and being quoted a rate. I have reached out a number of times to Citi and spoken with their customer service as well as escalating it to their management with no success. I feel like the fees are excessive and the practices are unethical as well as deceptive. My hope and ask would be that the fee has been paid by me so that the late fees, interest, and charges as well as removal of the late dates reflecting and impacting my consumer credit report. I am open and willing to have a conversation with the CFPB, Citi, or anyone else pertinent to this matter at any time. thank you in advance for your cooperation. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit has called multiple times without leaving a message regarding debt they are not authorized to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
As of XX/XX/2019, my credit score was XXXX. On XX/XX/XXXX my credit score dropped by 12 points  which made my score XXXX. I could not find any explanation on the Experian website explaining the drastic 12 points drop. I called Experian and I spoke to 4 different people and none of them could explain the 12 points drop. The positive and negative information on my credit report has been on my reports for over 4 months. I have not incurred and new credit, debts or anything that would make my score drop by 12 points. Can you please help me with this issue because I truly understand what it means to have a credit score. Thank you, kindly XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I consistently contacted the school about the status of my financial aid. XXXX XXXX who is supposed to be my success coach and financial aid advisor rarely calls, and rarely emails me back. He always replies to my questions with, you have to go search for scholarships ; never provides any real feedback on the entire outlook on my financial aide status as it relates to, having enough funds to graduate. I notified the dean of this exact issue before ; they never resolved it. The school sends most students refunds that are equivalent to XXXX and then I had classmates who complained the year before they graduate, the school drops them from courses because they charged them with not having enough money to complete their last quarter. The cycle needs to end at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Data, Inc.
State: WI

Complaint narrative:
Was in car accident have not received these bills or any information accumulation of over 50,000 $ had insurance at the time and received nothing not even sure if they tried to run my insurance this is the first Ive seen of it and it took place around 4 yes ago

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I'm having the same problem I've had for the last 8 years with my loan servicers. Originally with Litton loan, who passed me to Ocwen, who has no passed me to PHH mortgage. THEY ALL REFUSE TO EXPLAIN TO ME THE {$72000.00} THAT WAS MYSTERIOUSLY ADDED TO MY MORTGAGE BALANCE. No referred to as a " DEFFERED PRINCIPAL BALANCE ''. Been paying on this house now for 23 years 3 months and should be closed to being paid off ... ..they say I owe $ XXXX on an original $ XXXX balance and all I want is for them to show me how this is possible ... .none of them will not. What I need is for them to either explain it IN DETAIL or remove it as it should be. There is no way possible their numbers can be correct!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo savings account and checking account were setup to automatically transfer funds from my savings account into my checking account in the case of an overdraft of my checking account in order to prevent overdraft fees.

( overdraft fee {$35.00} ) The bank changed my savings account to an everyday checking account which could not transfer funds to prevent overdraft charges.

Because of this change from savings to checking ( without my consent ), I was charged over {$400.00} in overdraft fees on my original checking account. ( now having two checking accounts ).

I contacted the bank via phone call to ask the bank about the issue and they claimed their actions were to prevent withdrawal fees from my savings account.

( Withdrawal fee {$15.00} ) The change to how my accounts were set up ended up costing a total of {$450.00}.

The bank claimed to have no record of the overdraft fees on my account although they are shown in my monthly statements.

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 2019-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXXXX/XX/XXXX at XXXX I contacted Navient and requested a copy of the Promissory Note for the loan. I received the first piece of mail with a copy of the XXXX XXXX Application pages 1-3. Pages 4-11 explain the terms of the promissory note and no  promissory note with loan amount, term, interest, repayment and my signature validating a debt owed. 

On XX/XX/2019 I called back requesting for the promissory note copy to be mailed and representative stated it was mailed and the second should arrive the week of XX/XX/XXXX. I did not receive this document. 

I contacted Navient again todayXX/XX/2019 requesting the Promissory Note and representative stated in his system only one request was submitted on XX/XX/2019 and he has submitted a second one today, XX/XX/2019 and expect to receive no later than XX/XX/2019 ( 7-10 Business Days ). 

I asked the representative to pull the promissory note from his system. He stated there are 12 pages including the cover page. Pages 1-3 are the XXXX XXXX Application and pages 4-11 are the explanation of terms of the promissory note. I asked  representative where the Promissory Note that has the Loan Amount, Term, Interest Rate, and my signature and stated there is no document in his system. Representative repeatedly stated the XXXX XXXX Application stated the Loan Amount, the  interest rate, terms and my signature. I stated each page 's information, representative confirmed. Page 1 is the Borrower 's & Citizenship information, and College Information. Page 2 is Reference information, Co-sginer and Cosigner Citizenship. Page 3 is Loan Amount Requested, Loan Options, and Signature. 

Navient is required to have and be able to provide a copy of the Master Promissory Note, the legal document in which you promise to repay your loan ( s ) and any accrued interest and fees and explains the terms and conditions of your loan ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX and I C System Inc are participating in deceptive collection tactics by re-aging a collection account with no proof of debt.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following item from my credit report, which are the result of my falling victim to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DON'T HAVE ANY INFORMATION REGARDING I AM A VICTIM OF IDENTITY THEFT.

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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have multiple credit card accounts with Community Bank ( Two XXXX XXXX accounts, XXXX XXXX and XXXX ). I have been " locked out '' of my XXXX XXXX and XXXX XXXX accounts for the past almost 3 years. I would call XXXX XXXX customer service because I could not log in and they would " unlock '' my account and when I logged out after making a payment I was unable to login again without contacting Commenity Bank again to " unlock '' my account. I have spoken with a representative and manager every month for the past 3 years in order to make a payment on my account and expressed these concerns as well with no recourse. Today, Wednesday, XX/XX/2019, a collections representative contacted me and called me by my first name, then proceeded to divulge my personal balance and information regarding my account. She then threatened to pursue further options in a threatening tone if I did not pay my bill today ( which is 2 days late ). This is a direct violation of privacy laws and collection practices laws. I spoke with a manager named XXXX XXXX who confirmed on a recorded line that the representative violated collection laws and removed one late fee of {$35.00}. I have been charged a late fee every month for the past 3 years, which they refuse to remove. I have also requested XXXX XXXX to confirm the purchase I made on the account as well as a credit and they refused to do that as well. I was informed by a customer service manager named XXXX that I need to submit that request through my online profile, which I was able to login again because I was on the phone with a representative. Commenity Bank also did this with two XXXX XXXX   accounts by locking me out of my online profile. A Commenity Bank customer service manager also did not process proper credits issued on a recorded line from a customer service manager at XXXX XXXX. Then Commenity Bank charged off both accounts without my knowledge or notification and ruining mine and my husband 's credit for no reason and as a retaliation tactic for complaining about damaged furniture. Not to mention, all furniture purchased on the XXXX XXXX accounts were delivered damaged with 8 or more deliveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with WFDS. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is regarding XXXX XXXX account XXXX appearing on XXXX and Experian credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.XXXX sent a letter and CFPB response to CFPB XXXX, basically accusing me of either being mistaken or a liar or a thief.XXXX will find TODAY that " the shoe is on the other foot '' and that maybe it is XXXX who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
XXXX  would doubtfully survive legally and Experian as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. XXXXVERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, EXPERIAN AND XXXX ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following item from my credit report, which are the result of my falling victim to identity theft

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following item from my credit report, which are the result of my falling victim to identity theft

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 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This complaint is related to the other complaint I have filed. I called the number given in response to my complaint by XXXX XXXX XXXX several times and was told only one man was allowed to speak to me and he was never at his desk. He never called back to arrange the payment of {$130.00} as offered. I never received anything in the mail from XXXX XXXX XXXX. The contact info I have is XXXX XXXX at XXXX ext XXXX and later was told to reach him at XXXX. Ive also tried calling XXXX/capital one several times. A woman named XXXX left her number as XXXX ext XXXX. She left the case number XXXX in the message. I have called that number daily, still unable to speak with her. It rolls over to another customer service representative. Twice I was told they have my address incorrect and I informed them of my correct address. On XX/XX/XXXX XXXX stated XXXX capital one had my address incorrectly listed as XXXX, Iowa. She said she was unable to change my address. On XX/XX/XXXX XXXX stated she updated my address to XXXX, Iowa. The last time I called I was informed by XXXX that XXXX capital one had re-purchased my debt from XXXX XXXX XXXX and I was being asked to pay {$390.00} again. On XX/XX/XXXX XXXX stated XXXX/capital one had my address as XXXX, Illinois-again incorrect. The {$130.00} was what I opened the store credit card with and the additional money is from late fees and charges for not paying the bill. They sent the credit card and all of the bills to an address similar to mine but in another city and then passed off this incorrect address to the debt recovery company. I have never received any mail from XXXX  capital one or XXXX XXXX XXXX. Over the course of this last year my credit score has dropped more than 100 points. XXXX  capital one again incorrectly updated my address as Illinois instead of Iowa. I asked them to send me anything just to prove that they had my correct address and show what exactly they wanted me to pay. I was informed by XXXX on XX/XX/XXXX capital one would not send me anything until I agreed to pay a settlement. I had to agree to a settlement that day and then something would be sent to me in the mail. I refused to pay {$390.00} as I am not responsible for their clerical error and continued incompetence. Damage has been done to my credit score and I was told capital one could do nothing to adjust that. I would be willing to pay more than the {$130.00} I owe if there would be some reassurance that my credit score would return to what it was before XXXX  capital one made this mistake. Please help me with this as it is frustrating and disheartening as I have worked so hard to achieve good credit scores in the hopes of obtaining a home improvement loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: TRIDENT MORTGAGE COMPANY, LP
State: PA

Complaint narrative:
I submitted a mortgage application with Trident Mortgage, My credit report was supposed to be access one time. I received an alert with the three credit bureaus stating that my credit report was pulled on XX/XX/XXXX and XX/XX/XXXX from the same company. I verified with XXXX XXXX that Trident Mortgage requested my credit report two time. I was told that the company can only pull a credit report every 30 days. By Trident Mortgage doing this transaction has lower my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I was auto enrolled, without my consent, into a debt protection program with CitiBank. Asked how long it was on my account and the stated since 2002. At this point I asked for a refund. They stated it would take 30 days to " review '' and would send a letter. After 2 weeks I recieved a letter stating my reques was denied. This prompted me to call back and ask for a supervisor. The supervisor said they could review again, which I asked them to do, and would send me another letter. At this point it felt like a scam since they couldnt review with me on the phone so I asked them to send me proof for my enrollment where I either signed or verbally consented to this protection. This was 2 months ago and have not recieved either a letter of review or proof of enrollment.

They removed feature but have not satisfied my request for a refund or provide proof of my consent to enroll in this program, which I never gave.

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