vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
Since XXXX XXXX, 2017 I have been trying to get XXXX XXXX to remove more than {$1500.00} of disputed charges from my account. Earlier in XX/XX/XXXX, JCPenney refunded {$1200.00} in charges for items I never received but still refuses to accept returns of merchandise and credit the remaining balance. XXXX XXXX continues to claim they " are investigating ''. I have repeatedly ( FIVE separate times ) informed XXXX XXXX that my ENTIRE BALANCE is in dispute which should mean that interest is not being calculated on the disputed balance and that payments are not required on the disputed balance. However, since I opened this dispute, my account has been assessed late charges and interest charges and I have been hounded incessantly, as if my account were past due. I have received collection e-mails, phone calls, and the online status on my account shows " past due ''. To top it all off, on XXXX XXXX, 2017, they reported to the three major reporting agencies that my payment is 30+ days past due. I have excellent credit and am greatly frustrated and angered by these inappropriate collection activities. Additionally, this inaccurate reporting is adversely affecting my ability to obtain additional credit.

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 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be closed.

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 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
I closed on a mortgage with Provident Funding onXX/XX/XXXX. I have escrow billing for my taxes and insurance. On XX/XX/XXXX, I received a letter from my insurance provider, XXXX XXXX, that they had not received payment from Provident and that my insurance premium was overdue.
On XX/XX/XXXX I received a notice from XXXX XXXX that my bill was past due. They still had not received payment from Provident, which is holding my funds in escrow and is the mortagee responsible for paying the premium. OnXX/XX/XXXX I uploaded a copy of this past-due notice to my Provident Funding online account. It was marked as 'processed ' by Provident on XX/XX/XXXX. On XX/XX/XXXX, I contacted Provident via the website 's Contact Us page form to confirm the receipt and to find out when I can expect this bill to be paid. It is XX/XX/XXXX and I have yet to receive a response and XXXX XXXX still has not received payment for this premium.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The account in question has been closed for years now, but I still make payments on it. It ends in XXXX. Anyhow, a payment is due on every XXXX day of the month. Last month, on XXXX-2017, I submitted a payment of {$21.00} XXXX the minimum was {$20.00} XXXX. They will not allow you to submit a payment online without meeting the minimum. Anyhow, Citibank claims that I did not send in any money. However, I have proof that I sent in a payment ; they may have not deducted it from my account ; which is not my fault. I had enough money in my bank. I should not be charged any late fees for this for the month of XXXX 2017.

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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding, a company which I found out is well known for shady practices after a simple XXXX search, is reporting inaccuaretly to the credit bureaus. They are reporting it as X/2017 even though I have n't had any credit in at least 3 years, and I certainly did n't have any credit with them or XXXX XXXX. I have disputed this and the credit bureaus have failed to get proper documentation and due to the reputation of LVNV Funding I will not be contacting them. I have never received any contact via phone, email or mail from this company and the credit bureaus are not having them provide as requested twice.I want documentation proving the origin and details of the debt as I 've been provided nothing thus far per requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX an account showed on my credit that belonged to someone else and not myself. I have tried to have it removed since. The debt has since been paid by the person that owed it but it still shows as a collection on my 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 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC
State: VA

Complaint narrative:
I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
When NationStar ( " Mr. Cooper '' ) brought my mortgage from XXXX my monthly payment was {$1100.00}. Then they increased it to {$1200.00}. As of today, my monthly is {$1.00}, XXXX, XXXX. I did not know until I sent my regularly payment of {$1.00}, XXXX. They sent me a letter stating that payment went up and I have to send them the difference. I called them. There was an argument telling them I did not receive any notification about payment increasing. The Operator was rude and sarcastic. Next day, I called again. I demanded to speak with supervisor. None of them were available. After a week try, I got a hold on to a lady who told me she was working for escrow. I did explain to her I could not effort to pay the new monthly stating I am the only income in the house and that my wife for the past 6 years she has not been working. She sent me to another department. That lady asked me if I want a modification. I said yes and her replied was a kind of confirmation reply when she said it would be hard them to do my modification. Since two weeks passed I have been calling almost every day to have a word from the designed loan specialist XXXX XXXX or any from financial department that the modification went through. Finally, they told me to send them my pay statement, XXXX, etcetera ( enclosed ) Since XX/XX/XXXX  to XX/XX/XXXX it has been a battle between them and me. Always they are saying they need my 30-day consecutively pay statement or something else. I have seen sending all these information since XX/XX/XXXX.  I keep repeating until I receive another from department demanding a quickly reply about payment. I noticed he did not a thing about XXXX XXXX or the modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: TX

Complaint narrative:
This company is holding a {$100.00} deposit from a hotel stay from a week ago. I called and asked why they have n't released the pending transaction and was told by the customer service rep that it takes a month and if I wanted sooner I had to submit a merchant release from the hotel. Mind you the hotel releases it upon checkout and after that it is up to the bank they think I 'm stupid and I think they are trying to take my money. I told them I 'm in florida and need my money asap to evacuate during the storm and no empathy and I went as far up as the supervisor ans he didnt even budge. I submitted my receipts and all that clearly showes the charges made to the card as well as the deposit and they are telling me its invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company portfolio recovery keeps harassing me through phone calls claiming I owe a debt which is over 6 years old. I do n't owe anything to this company and have no idea who the original debt came from, this company keeps threatening me and family memebers at my realtives door step, I had to change my phone number twice, they keep harassing me telling me through voicemail and mail that I will be sued and taken to jail for not paying a debt which I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I 've been paying the minimum amounts on each of my loans, as well as another large sum toward individual loans to pay them off quicker. Despite my aggregate amount of debt being reduced by half, my minimum payment has remained {$500.00}. As a result, a large chunk of that amount has been used toward interest. As a result, I ca n't take the money I 've saved from a lower minimum payment and apply it to the high interest loan I 'm working to pay off first. I 've called Navient 's customer service line and they 've manually updated my minimum payment to a lower amount, describing it as a problem that should be updating each month. Instead, I have to call Navient each month to have the minimum payment lowered to the correct amount it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning

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 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill. 

In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report. 

I have a feeling that we are not the only ones XXXX has done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUITY LOANS LLC
State: MD

Complaint narrative:
I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back

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 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX my son was seen by a doctor in an emergency room for a XXXX XXXX. Both the doctor and emergency room were in service providers. A company called XXXX XXXX sent us a bill. I called my insurance company to ask if I did still owe money because all of my paperwork indicates, " Patient owes provider {$0.00}. '' I have provided this information to both XXXX XXXX and Commonwealth Financial Systems IncXXXX but the issue still has not been resolved. I have also sent a letter to both from my insurance company that states, " The correct patient liability after our payment would be {$0.00}. '' Again, the paperwork was ignored, and the situation not resolved. Despite this communication and numerous phone calls, Commonwealth continues to report this as an unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: GA

Complaint narrative:
I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. Equifax responds and states that they need additional information. However, I have supplied all information needed. Equifax then responds that they have verified the accounts with my date of birth, social and address. However, Equifax JUST,XX/XX/XXXX, updated my records with the correct date of birth at my request. Therefore, it is impossible that these accounts were verified accurately. I have even requested for a copy of any of the contracts I initiated with my signature to be produced by Equifax. Still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: GA

Complaint narrative:
I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 explanation