vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This letter is a formal dispute for a charge on my account for the amount of {$320.00}. I should not be held responsible for these charges because I never received the services from the merchant XXXX XXXX XXXX / XXXX. I paid for the package on XXXX and I attempted on many occasions to contact the merchant to make my vacation package reservations and ultimately to cancel my services without success. As of today, I still have not heard back from the vendor. When I booked my package, the merchant promised to make it easy and convenient to book my travel dates and to make my vacation the very best it can be. At this point, based on my experience with the merchants customer service and given the fact that I was never able to get through to a reservation agent, I prefer not to do any business with them at all. I am requesting that you please investigate the situation as soon as possible and that the charges of {$320.00} and finance charges related to the disputed amount be credited to my account Please be aware that whether I cancelled or not, when I called the merchant to get my services, they were evading me. Enclosed are copies of documentation supporting my position and the terrible and unprofessional experience with this merchant. Last update XXXX XXXX, 2017, Citibank claimed that they mailed me documentation from the merchant which I never received. They asked me to go online and check the letter that was in my electronic correspondence and I did, unfortunately, the letter had a due date of XX/XX/XXXX. I do n't think it is fair that this merchant get paid for services that were not provided. As of today, X/XX/2017, I have not received services from the merchant or the documentation for me to review. I reaffirm that I did not receive any service from the merchant. I am also confirming that the merchant is unwilling to provide the service.

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 2017-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At XXXX XXXX - I spoke with XXXX XXXX who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull. I have confirmed in the first place the XXXX XXXX XXXX credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people. XXXX asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft - XXXX Employee in XX/XX/XXXX. I am willing to payoff the amount issuing my acct. # and routing # and XXXX is refusing. 2nd Item - I want to report Bankruptcy antics in courtroom XXXX - XXXX XXXX - It appears XXXX XXXX attorney went to XXXX XXXX 's courtroom on XX/XX/XXXX to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The XXXX XXXX XXXX was paid off as shown by XXXX XXXX. I was never served any notice of this XX/XX/XXXX hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the XXXX XXXX Security Agreement - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity. XXXX XXXX assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the XXXX, XXXX, XXXX XXXX. These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.

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 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying my student loans but noticed during the last two months my principal/interest ratio has increased ( the interest applied has doubled compared to what was applied to interest during the prior two months ). Therefore the amount going to principal has decreased significantly. See below XXXX/XXXX/2017 Payment {$630.00} Principal- {$180.00}, Interest - {$440.00} XXXX/XXXX/2017 Payment {$640.00} Principal- {$230.00}, Interest - {$400.00} XXXX/XXXX/2017 Payment {$960.00} Principal -- {$730.00} Interest - {$220.00} XXXX/XXXX/2017 Payment {$620.00} Principal -- {$500.00} Interest - {$120.00} XXXX/XXXX/2017 Payment {$340.00} Principal -- {$230.00} Interest - {$100.00} Also, my Bar Study loan ( private loan ) has been in an " administrative forbearance '' for three months now but no one at Navient seems to know why it is there. I have continued to make payments during the forbearance but I have been told since the loan is in forbearance status, there will be an accumulation of interest that will be applied to the loan once the forbearance has ended, even though I have continued to make monthly payments during the forbearance. This does not seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: LA

Complaint narrative:
Incorrect information on my credit reports from XXXX, TRANSUNION and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

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 2017-07-27 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: LA

Complaint narrative:
Incorrect information on my credit reports from EXPERIAN, XXXX and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

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 2017-07-27 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: CA

Complaint narrative:
Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( XXXX # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ...
I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount.
When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that Experian and XXXX have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you

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 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I submitted my Income contingent repayment plan with supporting documents ( XXXX tax returns ) in XXXX and XXXX ( see upload history and correspondence from Fedloan. I received many letters from Fedloan servicing confirming receipt and processing of my application. However I received at minimum 5 different payment plans ( see attached correspondence ). Fedloan servicing sent me an e-mail on XX/XX/XXXXstating my Income contingent repayment plan recertification application along with my XXXX tax returns were not processed in XXXX or XXXX because they need more supporting documents and to resubmit my application. I submitted a deferrment which ends XX/XX/XXXX. All of this occurred after I submitted a complaint to Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
This letter explains the hardship situation which caused me to fall behind on my mortgage payments. I would like to be considered for an Unemployment Forbearance. I have been in/out of work since XX/XX/XXXX, I have not been working continuously since XX/XX/XXXX. My main goal is keep my home for the long term. I am activity seeking employment and plan to be back at work with the next 2 months. I am receiving unemployment and child support payments. I am also receiving food stamps and am getting help from agencies as for as the utilities. I have XXXX daughters in college and I really want to keep my home. I had XXXX last year and thats the start of my financial problems. My XXXX was a success and my XXXX is doing much better. Also, I had XXXX siblings to pass away within 30 days of each other and I have not been able to obtain employment as of today, ( copies of obituaries are attached ).
Despite my recent hardship, it is my full intentions to pay what I owe. I am sure as I write this letter things will be improving. I would appreciate patience and consideration during this time.
This is the letter is sent to US Bank Home Mortgage and refuse to work with me. I have applied for repayment plan and unemployment forbearance, US Bank just keep denying me. Please help I am working fulltime now and receiving arrears in my child support payments.

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 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?

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 2017-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
On X/XX/17 I checked my checking account and saw that there was an automatic draft from Affiliated Acceptance Corporation. This is the company that handles the payments for my son 's XXXX XXXX. I first emailed the AAC the same night, then called them the next day to speak with customer service. I explained that I have been paying monthly for over a year, and have never authorized an automatic draft in that time. They explained to me that back in XXXX of this year, I updated my card information ( which is how I have traditionally paid the bill, with a card number that was stored on their site, but that card was lost ) that I did not take my card information back out of the system, which authorized future automatic payments. Because I paid the bill ahead of schedule the following month, I never knew about the draft until this month, when I was late. I eventually spoke with a supervisor named XXXX, who was exceptionally rude, and was told that the payment would not be reversed, and that Affiliated had " no control over what you did or did n't do on the website ''. AAC then contacted the dojo the same day ( X/XX/17 ) and was told by the owner to reverse the payment and return the money. An AAC agent named XXXX called back to verify that I was not doing a stop payment through my bank, and that she would reverse the draft. I called back that evening and was transferred to XXXX, and clarified at that time that a stop payment had not been done. XXXX then confirmed that she had taken care of the issue and that the payment should be returned to my bank within 1-2 business days, but no later than Monday, X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CO

Complaint narrative:
My doctor ordered XXXX XXXX which may have been performed by XXXX XXXX XXXX but for which I have not received any XXXX XXXX detailing results and XXXX performed. I have contacted other labs in the XXXX XXXX area which indicate that the amounts charged are higher than competitive labs in the XXXX XXXX area, and despite my written request for lab report I still have not received said lab report. The lateness of the report means that I was NOT able to take effective action to reduce my XXXX before it became chronic so XXXX XXXX XXXX endangered my health by their lack of action. Additionally while trying to reconcile this billing I was told to call client services but I am deaf so that option is not acceptable. XXXX XXXX XXXX then sent my bill to Creditors Bureau which is a violation of HIPPA in as much that no medical information may be shared with third party without my consent. XXXX believes that I should travel back to XXXX XXXX to obtain this report from my provider but this is not acceptable or affordable to me since I have left that area for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and I have been trying to obtain a loan modification for the last two years with NationStar Mortgage and have gotten the run around every time, i have been denied however I never know the reason. I do believe my Homeowners Bill of Rights have been violated and my lender is engaging in dual tracking with my property. Additionally I do believe i am the victim of predatory lending and XXXX discrimination. I have done everything with in my power to try to make my mortgage payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.

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 2017-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC
State: FL

Complaint narrative:
You threatened to pursue legal charges against me in my county of residence, even gave me a deadline prior to you submitting such " charges '' You also, despite being asked not to, CONTINUE TO contact my family and discuss such situation with them. Consider this notice of representation Threatening Arrest or Legal Action. The threat to take any action that can not legally be taken is prohibited Contacting Third Parties. Revealing or discussing your debt with neighbors, co-workers, family members ( other than spouse ), or friends is strictly prohibited.

Company response to consumer: Closed with explanation