vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We are XX/XX/XXXXXXXX XXXX XXXX veterans and on social security XXXX and are experiencing a hardship and have a servicing complaint against Bank of America regarding the review of my loan for mortgage assistance. I have been denied due to an erroneous reason : unable to verify income is what they are using. My income consists of Military XXXX and Social security XXXX. This is verified with current award letters and 2 months bank statements with the deposits circled. To claim to not be able to verify this is covered under the following : XXXXAIR HOUSING ACT VIOLATION FOR DISCRIMINATING IN THE TERMS AND CONDITIONS OF A MORTGAGE OR LOAN MODIFICATION BASED ON DISABLITY, RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, OR FAMILIAL STATUS. 

They are also claiming that since in XXXX to XXXX of 2017 ( 2 years ago ) I received some self employment income there was a discrepancy and they will not review me no even though I had a change of circumstance over a year ago and I do not have any self employment income at all now and am not claiming it on my mortgage assistance application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance was paid off I have been paying this Citibank credit card, original account # XXXX since XX/XX/XXXX. Almost 10 years later. Citibank still want to keep charging the same amount by Citibank was illegal and violated my rights as a consumer & my civil rights. I will list Below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending : 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. On XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX. 1 b. Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. They would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying mimimun balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balaance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company Cavalry the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!

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 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have complained before about Ally Bank. They have falsely sent my information to XXXX in retaliation for a 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 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I HAD CONTACTED MY CARD COMPANY BECAUSE I HAD PAID A COMPANY BY THE NAME OF XXXX XXXX XXXX. AFTER READING REVIEWS ONLINE AND GETTING NO RESPONSE OR REFERALS THAT RELATED TO MY TIMESHARE I CALLED MY CAPITOL ONE CARD TO LET THEM KNOW THAT I NEEDED HELP DISPUTING THIS CHARGE.. THEY THEN GAVE ME A CREDIT OF THE XXXX AND I FILLED OUT ALL THE PAPERWORK THAT THEY SENT ME, AND FIGURED THAT THIS MESS WAS BEHIND ME, BUT THEN I GOT A CALL THAT MY CARD WAS OVER THE LIMIT AND PAYMENTS THAT ARE AUTOMATICLY PAID CAME BACK. INSTEAD OF LISTENING TO THERE COSTUMER THEY BELIEVED A COMPANY THAT IS KNOWN FOR STEALING FROM THE ELDERLY, AND TAKING ADVANTAGE OF PEOPLE. THEY TOOK MY CREDIT AWAY AND NOW THIS COMPANY IS CALLING ME DEMANDING MORE MONEY. I AM TRULY DISGUSTED WITH THIS WHOLE SITUATUIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC
State: IL

Complaint narrative:
a Representative from Recovery Solution Group sending texts threatening to reach out to family, know associates, and landlord to discuss the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to set a security freeze with Equifax on line. I when through all the information, but at the end of the process got a message that something was wrong and gave me a number to call. When I called I was told my account was locked out and that I would have to provide my security number to the agent on the phone to get it unlocked. Considering the security record of this industry, I refused. I was told that I would continue to be locked out at that my records were not frozen and vulnerable. I had no problem setting the freeze with the other two credit reporting companies. In my opinion, Equifax appears to be trying to do a bait and switch with the free freeze offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Dealership took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Went to bank of America to close an account that merchants had been withdrawing unauthorized funds. Opened new account with same bank. Changed my direct deposit with employer. Tried to access the new account and was redirected to fraud dept. The told me that all accounts with them had been closed. Today is payday I go to the bank and they refuse me my money and any access to my money that was sent to them via direct deposit. If the account was closed they should have sent payroll back to my company. I have Bill 's that need to be paid today. Light phone and car.

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 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I didn't receive any written or phone communication about this debt from the collection agency. I saw it on my credit report and promptly paid in full. This was supposed to be paid by insurance and I have since put a claim in with my insurance company. The full amount was for {$430.00}. I was also never given written documentation about being able to dispute the debt in order to get it off of my report. I called the agency and they said that since I paid it there was nothing they could do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry  is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MN

Complaint narrative:
XXXX for Indiana has no live person to talk to, even after the web site says it has 24/7 service. I have spent over two hours trying to call them, using the number on the card and by using the internet. I have also call my child support division and they tell me they have no way of helping with this issue. I need to report fraud on my XXXX and there is no way to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MD

Complaint narrative:
XXXX XXXX XXXX took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Card was charged for something you did not purchase with the card
Company: WAFD BANK
State: NV

Complaint narrative:
My debit card was stolen along with my ID and information related to a former vehicle I had. A charge was made for nearly {$1200.00} by merchant " ewing bros ''. I went to the bank and submitted a dispute through them as fraud charge. The bank sends me a letter refusing to honor my claim since the merchant was able to respond. The bank did not provide me with a way to dispute The documentation submitted by the merchant unlike most banks. The bank also refused to activate a new debit card in the mail which they sent me. I feel as if the bank is ignoring me and disregarding me as a customer for some merchant who is local.

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 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: TX

Complaint narrative:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

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 2019-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Telephone Companies I ordered service in XXXX and they put three inquires on my report for the one time order. This is unacceptable. You can not reach anyone at XXXX to try to solve this matter. I have called and just get shifted around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
THIS LAWYER IS XXXX, XXXX, AND XXXX. AFTER I CORRECTED THEM THEM THEY CONTINUED TO CALL ME MAM AND MADE THREATES TOWARDS ME. SAID THEY WERE TAKING ME TO COURT. SENT XXXX XXXX TO MY HOUSE AND POSED AS A FAKE POLICE. I CALLED THE XXXX XXXX COUNTY SHERIFF TO ALWRT THE REAL POLICE. THIS LAW FIRM IS EVIL AND NEEDS TO BE DESTROYED.

Company response to consumer: Closed with explanation