vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.

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
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My sears account is closed, however a 30-day late payment is reporting on all of the XXXX credit bureaus. I have always paid this account on time. I have tried disputing this account with the credit bureaus each time it comes back verified and i have not received and proof that I was 30 days late. I even contacted sears and they gave me the run around. I contacted the XXXX and they gave me a XXXX number to call in reference to my account because the representative said she could only view six months back. When i contacted the XXXX number the guy stated that he could not help me and transferred me back to the XXXX. The next representative place me on holding stating that she would look unto it, but instead of coming back on the phone she transfer me to sears online. I am disappointed in sears company no one seems to know anything. If sears or the credit bureaus can not show me verifiable proof that i was 30 days late, then I demand you delete this inaccurate claim from all XXXX credit bureaus.

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 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I received a voice message on my cell phone from a collection agency. The name of the agency was not provided. The female caller 's message gave a number and a website, XXXX. I was unable after several search attempts to find the site. 
I called the number provided and when I asked the name of the caller, i thought he said XXXX. 

This billing is related to charges by XXXX XXXX that they failed to submit to XXXX on my behalf in XX/XX/XXXX. During the conversation when I attempted to relate this information to XXXX he became very rude demanding that I " just pay up '' etc. 
Since I was n't able to communicate my situation with him, At present, I have not received a written request. 

I politely asked that the agency make no further phone calls to me. XXXX rather arrogantly replied " We 'll keep calling until you pay this balance. 

I have contacted XXXX and have confirmed as I had questioned XXXX XXXX XXXX in XX/XX/XXXX, that they had received only XXXX claims during the calendar year, XX/XX/XXXX totaling less than {$300.00}. I was billed for {$280.00} which I have attempted to pay, and discovered that XXXX of my payments were never recorded. 

I called the clinic business office today to get the name of the company, Synerprise Consulting. I then called the agency and requested XXXX full name, but was told there was no one there named XXXX. The person I spoke to was XXXX ( who would not provide his last name ). Her told me he had no idea who it was that I spoke, but finally admitted that the name is XXXX but refused to provide that last name as well. 

XXXX has arranged to send copies of the XXXX claims filed by the clinic in XX/XX/XXXX which are close to {$200.00} total. I visited XXXX doctors at the clinic in XX/XX/XXXX and also had regular XXXX because I am on XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2017 there is an inquiry from Citi mortgage on my XXXX credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called XXXX and they told me CITI mortgage is indeed pulled a credit on XX/XX/XXXX. I went back and forth and called Citi mortgage group this morning ( XX/XX/XXXX ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP and remove inquiry from my XXXX and any other credit bureaus ASAP

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 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performance Settlement, LLC
State: CA

Complaint narrative:
I got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: MD

Complaint narrative:
Received a call from First Recovery Services or Solutions stating I took out a payday loan online in the amount of {$350.00}. I informed them that I had not taken out any payday loans online. I asked First Recovery Services what their address was. They would not provide it. I asked them to provide me with the date it was taken out. They that the loan was taken out prior to XX/XX/XXXX and charged off. I asked them to provide me with proof that there was a loan. They would not. 

The next person said the loan was refinanced by XXXX XXXX XXXX in XX/XX/XXXX and that more than {$500.00} is owed. Once again, they could not provide me with dates and would not provide me with proof. They said they would see me in court because I would not pay them. 

I have not taken out any payday loans and I certainly did not refinance anything in XX/XX/XXXX. I have never received notification nor have taken out such a loan. I continuously check my credit and no such creditor has been put on there. They provided me with an address that is more than 10 years old. 

They have called more than 10 times from various numbers. They had a guy from what they indicated was " their legal '' department also called me from an XXXX number and then he called three other times from XXXX. They have called various family members of mine in informing them that it is urgent to get a hold of me with and give them a claim number. They have contacted my significant other 's business four to five times. This loan is not mine and this is harassment.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: KS

Complaint narrative:
In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: CA

Complaint narrative:
Elderly ( XXXX years ) relative I do not reside with has received this message repeatedly : I have requested that the company does not call and yet they continue to receive repeated calls. 

" [ My name ] You now have until XXXX today to call our office or your file will be forwarded without your input and further action may be taken i can be reached at XXXX it is imperative that you call us back today all attempts have been documented. '' The term " further action may be taken '' seems to imply legal action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.

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 2017-04-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica
State: VA

Complaint narrative:
My social security goes to direct express, this month when my money went in someone went into my account changed my pin number and transferred all my money out of my account, after doing research online this has happened to thousands of other people that have there social security go to direct express.Most say i will never see that money, others say it will take forever, everyone to a man said Direct Express was rude and acted like it was their fault, when in fact they have bad security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other XXXX would not do anything. Also when I dispute with Transunion it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, XXXX balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

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 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a collection notice from ERC on behalf of XXXX. They are attempting to collect a {$910.00} debt from an account that was fraudulently opened. The dates for this account are XX/XX/XXXX opened to XX/XX/XXXX closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Regulating Services, Inc.
State: CA

Complaint narrative:
I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation