vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: SC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Barclay shows payment due amount, and when I make the payment, they use it to credit the month I already paid. This is not the first or second time they did this to me, this is done to take away my 9.99 % Fixed interest rate. The first time they did this, I didn't catch it until I saw they said I didn't make a payment last month, and raised my interest rate to some super high amount, and put me to a Variable rate instead of a Fixed rate I had. I contacted many Officials that couldn't help, but XXXX XXXX XXXX Office got involved and said if I pay the three months of payments I owed ( While I was arguing with Barclay ), they would put everything back as was. I immediately made the payments and all was good ( for one month ). After that month Barclay decided to XXXX up my interest rate again, and put me back on variable rate. I once again contacted XXXX XXXX XXXX   XXXX and the again got it straightened out. I had to watch online to see when a payment due amount is shown, before making a payment. Once again it had shown an amount due, so I made the payment, and once again they credit it for the prior month ( on purpose to remove my low interest rate? ). I called and asked them to change it for the correct month, and they said they couldn't, and I had to pay a second payment that month to correct it, or ask my bank to request the money back, witch could take more than 25 days. I had the same problem, and Barclay said they can't fix it. Barclay has no logical reason for doing this, and should be stopped. This time I have taken a screen shot before making the payment to prove what they are doing.

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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX had an OPEN LETTER OF CREDIT account, BY ACCORD & SATISFACTION with Bank of America, and which XXXX XXXX XXXX XXXX. CORPORATION CEO issues Signature Dollars in United States Currency Notes, that Float freely, that are EXCHANGED INTO THE FEDERAL RESERVE PROMISSORY NOTE CREDIT, to XXXX Balance account of any Debt/Debit but Bank of America, act not in Honor of my qualified Signature upon their Application to lay on my Signature Dollars in United States Currency Notes, that are swapped into Federal Reserve Promissory Note to Settle any Debt/ or Debit of my Dollars in United States Currency Note. I mandate that Bank of America honor the Closed Account debiting and crediting sum totals to XXXX Balance any Account from the ISSUING OF SIGNATURE DOLLARS IN UNITED STATES CURRENCY THROUGH THE CLOSED ACCOUNT.

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 2019-09-10 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: Colony Brands, Inc.
State: UT

Complaint narrative:
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: SC

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-10 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: SC

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Over the past 4-5 months, I have received 2 phone calls from what seems like different/separate entities, saying that I have a civil suit against me by Wells Fargo Bank, for apparently an NSF check that I never paid. The amount of check is {$890.00}, and both the entitites said that I will be served papers if I don't take care of the amount. 
The first caller said that they can settle the amount for {$1500.00} if I paid them over the phone at that time with a credit card. I did not give them any c.c. information. They then said they would send out legal papers. I have never received any. 

Friday XX/XX/19, I got another call. Same or similar story. They had left a message on my cell phone. I called them back. The first person I reached said that their business was a phone answering/message company. Did not give me the name. The second person I talked with said that this account is " XXXX XXXX. '' I asked who XXXX is. She said XXXX ( or some such first name ) and XXXX ( last name ). Same story, suit filed by Wells Fargo. They will serve papers, etc. I told her that I thought they were scammers and committing Fraud. I hung up on her. 

The only information I have is on the second caller 's phone number. I have nothing else from them about who they are/were and their business name, nor contact information. 
The phone number they asked me to call them back on is XXXX. They would not tell me the name of the supposed " telephone answering/message '' company. 
The phone number that they called in to leave me a phone message was XXXX. 

I did XXXX these phone numbers, and many people posted that they had been called with similar " debt collection '' language and threats.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have had a loan on my townhome since XX/XX/1989. It was sold to Nationstar which became Mr. Cooper. I had a 10 year fixed interest only loan that went to an adjustable amortized rate after that. It also recalculated to a 20 year term. My payment seems high though. 
I have a 2.25 margin on an XXXX district COF. When I look at the XXXX district plus my margin and amortize for 20 years the payment should be lower. I'm trying to figure out how they are calculating. 
I tried to call Mr. Cooper ( Nationstar ) customer service but they didn't know what I was talking about. She said she'd transfer me to the refinance department. I don't want to refinance. The phone line disconnected anyway. 
I want to get in touch with someone there who knows how they are calculating my payment. Obviously a lot of people could be in the same boat as me. If they've been over charging for years this could add up to a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I called last month which was XXXX about not being able to afford my car payment for the month. I spoke to a women who said all I had to do was pay {$270.00} and that would be fine. Here I guess the check bounced but I did not find out about that until yesterday when I received a text from my loan saying to call them. I called and they expect me to pay {$270.00} for last month and my car payment for this month. I never got a voicemail from them or and email stating that my check did not go through or I would have made another payment last month for the {$270.00}. I cant believe they just contacted me yesterday about this! I have told this company over XXXX over again that my son  is in the hospital with XXXX XXXX, he is only XXXX years old. They do not care about what I am going through they just care about getting their money. I can only afford my car payment this month and not the {$270.00}. My family can barely afford food at this point in time and Huntington has no sympathy for me. We are trying to sell the car because we can no longer afford it. So we are trying whatever we can do to get rid of this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

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 2019-09-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.

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 2019-09-10 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: Colony Brands, Inc.
State: UT

Complaint narrative:
XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for  processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts. 

To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check. 

My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. 

It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}. 

I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 FOR 30 DAYS LATE???? HOW? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. When i confirmed with them Macy 's stated that they had sent it to the wrong address. Please correct / update for me.

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 2019-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Company keeps decreasing and increasing my balance every month to keep activity updating every month. From my understanding this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank has been failing to make recurring payments from my account to XXXX XXXX the credit card company this month. 
I keep seeing unauthorized charges on my account as well as double payments to XXXX. XXXX claims they did not make a {$25.00} payment on my account. It later fell off, but it caused problems with my account being overdrafted. 
XXXX XXXX tried to make a credit to my account and Cit Bank refused it, because they say that my account was blocked due to non-sufficient funds, which was caused by unauthorized and double payments to merchants. The payment from XXXX XXXX would have taken my account out of the negative CitiBank is mismanaging my account every month and causing my account to be over-drawn. 
I'm asking for a full investigation

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 2019-09-10 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: CA

Complaint narrative:
XXXX XXXX XXXX  and Transunion are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX  XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-09-10 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:
XXXX  ; Experian and XXXX are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX  is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-09-10 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: UT

Complaint narrative:
XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: UT

Complaint narrative:
XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: MI

Complaint narrative:
The servicer has refused to pay for the home policy renewal of {$800.00}. The servicer XXXX claims that they did not recieve the policy renewal. 

On XX/XX/XXXX the Insurance Company, XXXX XXXX, cancelled the coverage. I called the company and they claimed to have sent the policy twice. They recommended waiting a few days to see if the check came. 

On XX/XX/XXXX I recieved notice that the Lein holder, HancockWhitney, was going to purchase insurance if they policy was not renewed. 

On XX/XX/XXXX I contacted the servicer, XXXX, and talked with a customer representative. The representative gave me instructions on how to email the policy to her ( put her name XXXX and loan # in the subject line ). 

On XX/XX/XXXX I sent two emails to XXXX with all materials needed to pay the policy renewal. 

On XX/XX/XXXX the insuror, XXXX XXXX, notified my that payment had not been sent. 

On XXXX XXXX I tried to contact the servicer, XXXX XXXX, and waited on hold for 87 minutes. I never got to speak to a representative. 

On XX/XX/XXXX I sent a fax with the information to the servicer at : XXXX. The fax was rejected. 

There is no way to contact the servicer and they are not paying the policy.

Company response to consumer: Closed with explanation