vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.

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 2017-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.

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 2017-05-04 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: IL

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I filed a dispute with Credit card  ( Citi Cards ) i n the amount of {$400.00} after many attempts to resolve anything with the merchant. Who repeated told me I would receive a refund if I had to cancel. I feel I was discriminated against b y Citi Cards bec ause I am a  XXXX  senior vetera n America.. Citi Cards took the  word of the Merchant who did tell the truth about the issue.   I never signed any contract, there was never verbal explanation about getting a refund.   I will stop usin g Citi credit c ards because they are unfair to consumers.

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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, al  l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I spoke to Navient  XXXX / XXXX / XXXX  because I am currently in a income driven plan for 12 months which ends on  XXXX / XXXX / XXXX . Was calling for an extension. My {$44000.00} taken out in  XXXX  is now {$110000.00}. I currently pay $  XXXX /month. They want to take my payment to {$480.00}, however the current payment is difficult but I am swinging it. There is no way I will be able to pay that and my  Federal Loan is coming due as well. They have no other options for me and was advised if I do not t ake that I will end up having to pay $  XXXX /month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Security National Automotive Acceptance
State: IL

Complaint narrative:
Security National Automotive Acceptance Company   XXXX   XXXX   XXXX ,  XXXX , Ohio  XXXX  ext  XXXX  On  XXXX    XXXX   I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The  XXXX  payment shows up as a late payment and my payments after  XXXX   a'rent even  reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously.  SNAAC  has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My  credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.

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 2017-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc.
State: MA

Complaint narrative:
I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wired funds from my bank account according to instructions given to me by ( which were provided by JP Morgan Chase to ) the payee. It turned out that the payee had two accounts at JP Morgan Chase, XXXX with their investment division and the other with the regular bank. They gave me the Routing number for the investment division, but the account number was for their savings account. It took several days to learn what happened to the wire ( Chase simply held it in limbo, not rejecting it, nor letting anyone know they were having issues determining where it should be ). It took the payee 's personal banker at Chase to finally find out what happened ( and finally admit it was Chase 's fault, not mine ). However, it turned out that Chase could not internally send the money over to their savings account ( when are you going to finally break up these too big to manage banks??? ) and instructed me to have my bank ( XXXX XXXX XXXX ) recall the wire and send it over to the correct account with the correct ABA, which we did. Chase is now charging me ( my bank ) a {$30.00} amendment fee! While I understand that Chase is too big to do anything to, and basically runs roughshod over the rest of the world, I am aghast that they can and do charge non-customers for helping them to clean up their own mess! Please do something about this ( like put some high level executives in jail, or something to stop them from charging non-customers for their inability to know what is going on within different divisions within their own company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company.  XXXX  failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15     days to provide proof. The account also is incompletely reporting and not following   XXXX   XXXX   compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.

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 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint.  Case  #  XXXX .     Please review the attached document for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.

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 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: MA

Complaint narrative:
This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: U.S. BANCORP
State: NY

Complaint narrative:
On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services

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 2017-05-04 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: CL Holdings LLC
State: TX

Complaint narrative:
I received attorney advertisements regarding a lawsuit filed against me on   X/XX/2017     by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted  Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from  XXXX  with   XXXX    XXXX   XXXX . I have n't had any contact or made any payments to  XXXX   XXXX  since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay  Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I booked a vacation home with a vendor and the vendor request payment via  XXXX . So, I used my  XXXX  account to make the payment directly from my bank account. Unbeknownst to me,  XXXX  automatically created a credit account without my consent. I did not want a credit card account with  XXXX . This scam has been widely reported. I thought I was paying with my bank account and then a few weeks later I got a credit card wiith a bill. I immediately paid it off and never used the credit card. I few weeks ago, I had another vendor for a cleaning service request payment via  XXXX . Again, this went on the credit account that I never wanted to use and I got another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: MA

Complaint narrative:
Several months ago, I bought a  XXXX   XXXX  in  XXXX  and activated its prepaid feature. The fee schedule (   XXXX   XXXX   XXXX   ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I contacted  Loan  Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase  XXXX  itunes cards,  XXXX  for  XXXX , the other  XXXX . Then I called the phone number given to me (  XXXX  ) and read the numbers over the phone. I was told at that time that  XXXX  had been put on my credit card. This was to be given back to the loan company via  XXXX . This would show good faith in paying back the loan. I was instructed to go to  XXXX  and purchase the  XXXX  which I did for  XXXX . A check was sent to me for  XXXX  but the bank did n't cash it. Another check came for  XXXX  but was not cashed. A third came that was made out to  XXXX   XXXX  whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want  XXXX   XXXX  to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was reviewing some of my old student loan documents. I did not find documentation for th e tworemaining loans with Nav ient. I requested the promissory no te. Navient sent me a promissory note with incorrect information and the note did not include a signature. The signature box was simply marked and a notation made that electronic signature was on file. I requested additional information from Navient including proof the loans belong to me ; to date I have received no documentation. In an effort to avoid these accounts affecting my credit, I make on-time payments every month and will continue to do so until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
According to the  Overdraft Protection Law as of   XXXX   XXXX    , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.

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 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roquemore Holdings LLC
State: NY

Complaint narrative:
An individual by the name of  XXXX   XXXX  from a company called  ( Roquemore &amp; Roquemore ) in Texas, continues to harass me calling repeatedly not leaving any  detailed messages as to the purpose of the call. I tried calling back several times over the span of weeks, but she never seems to be available. I want this harassment to stop! ... Through research I found out that they are a skip tracing / collection agency.

Company response to consumer: Untimely response