vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX  and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on my credit report.

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 2017-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: IA

Complaint narrative:
On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NC

Complaint narrative:
I have contacted Transunion at ( XXXX ) XXXX, as well as in writing, stating that XXXX inquiries on my credit report are invalid and unauthorized. These item 's remain, and I have been a victim of identity theft with a fraud alert placed for my protection on my report. I have continuously been told to contact the lenders and companies that have done the inquiries, and that transunion can not dispute or investigate on my behalf. Please assist. This has been affecting my credit report for months, and still no resolve.

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 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ...
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have an account with Well Fargo Home Mortgage. During the course of the loan, I went through a Loan Modification program. Wells Fargo had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. Wells Fargo is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by Wells Fargo . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted Wells Fargo several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
i went to open an account with XXXX XXXX in XXXX on XX/XX/XXXX and that is when i found out that i currently owe : XXXX : {$100.00} ( in fees ) TD BANK : {$230.00} ( in fees ) Mean while i am not sure how these balances came about because these accounts have been closed since XXXX. i have talked to and went to TD and XXXX that same day they claim that the accounts were fraudulent and they cant help because the account has been closed since XXXX, but what i owe them are random banking fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I was in a car accident dated XX/XX/XXXXand I was falsely accused at fault. I had no support system at the time and I was very young. Anyways, I told the police officer my side of the story, and he cited me a ticket, even though I was the last person he talked too. The person who was actually at fault was the one who stopped in the middle of the bridge, with no hazard lights on while traffic on the opposite side of her was still in motion. My insurance company dropped me, and they did n't pay for no property damages, and no liability damages. ( Please note at that time : liability insurance was not required by the state of Florida ) So the driver that stopped in the middle of the bridge ends up suiting each vehicle that was involved in the accident, it was 4 vehicles total that was involved. So I get a letter from a debt collection agency saying that I owe them XXXX. Little did I know, at that time, I actually did n't owe them a debt, because I never had an account with them. But they are making me sign a contract stating that I owe XXXX and I could settle for {$4500.00}. So I took the settlement for {$4500.00}. I paid them onXX/XX/XXXX, and the next day, I was a victim of ID Theft. So I called them and told them what happened, and now they tell me I owe XXXX all because I did n't pay them as agreed, which I did pay them. I got a letter from on XX/XX/XXXXstating they are going to have my license and registration privileges revoked if I do n't pay the debt that I owe them. Which I do n't owe them anything, because I never had an account with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NC

Complaint narrative:
I contacted Experian on XXXX XXXX, 2017 to initiate a dispute on my credit report. I already have a fraud alert on my report to protect myself. But this still does not protect me from hard inquiries from showing on my report. I notified Experian of these unauthorized inquiries on, initiated a dispute, was not provided the decision of the disputes, Nor was the dispute in my favor. Seeking immediate assistance.

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 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I wanted to make payments but they said I did not qualify for a payment plan because my income was to low so they sent me papers for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Consolidated loans in  XX/XX/XXXX . Still receiving negative credit reporting latest being  XX/XX/XXXX  120 ( days late ). Current loan service did not report. Spoken to reps at US Dept of Education multiple times. Original service no longer in business i.e Direct Loans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: FL

Complaint narrative:
XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX Equifax : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with XXXX & Equifax. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After viewing a copy of my credit report, I noticed XXXX collection accounts placed on my credit report from XXXX XXXX
I am unaware of any outstanding medical bills that I possess, and I have sought the name of the hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.
Three letters have been sent XXXX XXXX in regards to verifying these account in regards to any contractual agreement that I have directly with XXXX XXXX. The final letter was sent via certified approximately 35 days upon no receipt of requested information.
Experian has also failed to mail me any information regarding these accounts are factual. Representative failed to listen to my attempts to contact XXXX XXXX and insisted that I continue to do so regardless of many failed attempts.

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