vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The original issue was with Macy 's Department store, who's accounts are managed by Citibank. Now a collection agency is jumped on the band wagon - XXXX XXXX XXXX. I have attached the communication in detail. Net message is My husband and I have had a Macy 's card since 1996, no late payments. We went to use our card twice and was told it was delinquent. I phoned Macy 's and found out that Citibank changed the name on the account to my sons and his wife, changed the billing address and social security numbers on the account. My son and his wife filed bankruptcy and had a Mastercard with Citibank - Citibank took it upon themselves to close the account because they said it was part of the bankruptcy. Please see the details on me trying to get it corrected. Now I am getting notices from a collection agency. All documentation is attached.

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 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. 
The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. 
They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. 
However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. 
I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. 
Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TX

Complaint narrative:
I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX  IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.

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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank is charging me for pending transactions. As of Tuesday ( XX/XX/19 ) morning, I started the day with {$4.00}??. After using the card throughout the day I needed to deposit {$32.00}??. I deposited {$20.00} before XXXX and then at approximately XXXX I deposited {$13.00}. Now, Wednesday XXXX XX/XX/19 XXXX, my account is overdrawn by {$71.00}?? because of {$72.00} in Overdraft Fees for all of Tuesdays pending transactions. I have contacted them regarding this and they refuse to refund the {$72.00}. I spoke with three people, including a supervisor. I was told that Regions charges for pending transactions. How can a bank charge for pending transactions. A person can not even dispute a pending transaction until it finalizes. What if the merchant were to credit the consumer? Regions is stealing money!!! I have all of my text alerts, printouts and ATM receipts to prove everything regarding the account activity. This is going to cause more overdraft fees when the transactions actually finalize.

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 2019-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I called to dispute a charge XX/XX/19. The charge was pending a note was placed on the account. I received an ALERT today assuming that charge has posted. I tried calling but AUTOMATED isn't listening to my touchtone reply. I called in the CSR wanted to send me a text or e-nail to verify me. NO! 

Once posted I would receive an E-Mail to log in and attend to for me to file the dispute. 
I have been unable to log in, The dispute is valid XXXX XXXX {$60.00} I paid up front for services not rendered Claim # 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 2019-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I turned in my vehicle to XXXX XXXX in XXXX XXXX in early XX/XX/2019. It is now early XX/XX/2019 and I have still not received my security deposit. I contacted BMW Financial in XX/XX/XXXX and they said I would have my money within 15 business days. I did not receive my money. I have contacted BMW Financial Services and they will not refund my money until the wear and tear has been claimed and paid off by the dealership. The dealership did not upload pictures of the wear and tear at the time I turned in the car and the third party insurance company will not pay out the wear and tear until they have these pictures. I have demanded that they issue my refund and collect the money on their own time but refuse to do so. I have asked for compensation for the time I have waited and the phone calls I have made to get this money back but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/2019 is the Open Date on the account. the balance was around {$330.00}. I paid a settlement amount that was agreed upon with Diversified Consultants, who was the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It Concerns, I noticed an unauthorized charge to my bank account this morning, XXXX XXXX, 2019 XXXX XXXX XXXX, 2019 XXXX PAYMENT DEBIT EXPERIAN XXXX XXXX CA XXXX XXXX XXXX ). I authorized no one or Experian to open a membership with Experian. 

When I called Experian I was told it was for a membership that I opened in XXXX of 2019. They have been charging me since XXXX but because I have not had time to monitor my bank account regularly I did not realize I was being charged until this month. 

When I explained the fraudulent account opened in my name they canceled the account but refused to give me a refund. They said they are not responsible, they said to dispute it at my bank. 

Where do these people get the power to open accounts in my name and take no responsibility for the action? If this is legal then laws need to be changed. Experian and the other Credit Bureaus are out of control. 

I not only want a refund from them but I want to know how these people can get away with sharing my information with anyone they choose. 

Please advise and Include why they are not accountable to anyone. These people need to be held accountable. 

Sincerely, XXXX XXXX XXXX : XXXX PS : The so called membership they signed me up for is as follows. 
Membership ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is the second time I have reported this. 

I bank with JP Morgan Chase. 
On two occasions I have had items returned that I was not notified about via my online banking. 
I was not charged a fee, but I was also not notified items had been returned. One of those items was a utility/water bill. 
It is over 100 degrees in AZ and having water disconnected without my knowledge IS A HEALTH and SAFETY ISSUE not only for myself and my family but my animals as well. 

The only way I knew my payment had been returned was because the water company came to my home. I had no idea the payment had been returned. However, after the Water Company came to my home I received an email from the third party payment company the water company uses that the item was returned. 

I have reviewed Chase 's terms and agreements and no where does it say a customer is NOT to be notified by the bank when items are returned. 
When I contacted Chase they told me I should keep better track of my ledger. ( XXXX? ) I do keep a ledger, which is how I noticed the payment never came through my account via online banking account transactions. 

Again, Chase did not charge me an NSF fee, however, they never notified me the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient claims that they are " here to help. '' However, with the extensive cost and stress of a XXXX XXXX XXXX daughter battling XXXX, Navient refuses to work with me on making my payments affordable, or temporarily delaying them. 
I want to make good on my debt, but I can not afford the $ XXXXmonth that they are demanding. They only take into account your income, and not your daily living expenses and other bills. I went through Federal Aid to revise my XXXX, and XXXX came up with a payment of $ XXXXmonth, which is manageable! Unfortunately, for some unknown reason, Navient declined the revision and still demand the $ XXXX/month. 
I will gladly begin repayment at $ XXXX/month, and have literally BEGGED Navient to make my payments affordable, but they would rather see me go into default than payback my loans. Instead of considering each individuals ' unique circumstances, Navient simply sends the same standard template responses ( to my DOZENS of emails ) and refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
XX/XX/XXXX at XXXX i recieved multiple back to back calls on my work phone from Accredited Collection Agency. The man called even after being told it was a business line. 

This is harrassment.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Complaint # XXXX response on XX/XX/2019 has errors in which balance not updated as well as incomplete pages sent by them the last 2 times. I need a complete report with all the pages. I did not ask for a credit score I ask for a complete credit file. In the past Transunion adds address or has wrong incomplete employment information. I have been threw Transunion time after time as employment ion which has been the same for several years. I also have issues how Transunion adds address I do not live at or can they provide proof to where I live. I need a complete report with all the pages. Stop playing games sending few pages. Promotional I block and your still doing it. As to your response on XXXX2019 is  base on missing pages

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i have made several attempts, during my medical leave, they declined to work with me, so i can make the affordable payment with the original creditor XXXX XXXX,, credit card balance was {$500.00}, they sold the debt to LVNV Funding, now all these other fees are included in ending balance. 

I offered a settlement offer to XXXX XXXX, whom said they don't do that, LVNV add 's in their fees outside the balance that is owed to the creditor. It will not be what you actually owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MI

Complaint narrative:
In XXXX of XXXX I was having a hard time with my mortgage payments. I decided to contact my mortgage to see if I would qualify for a loan modification. I sent in my paper work in and followed the program making payments on my mortgage mean while still being reported as late payments went from XX/XX/XXXX till XX/XX/XXXX low and behold was approved with a lower payment. I kept making my payments for XXXX, XXXX and XXXX of XXXX. Then in XXXX of XXXX I received a letter from the mortgage company saying my escrow was short by {$4600.00} and I needed to pay it or my payments would be going back up. I contacted the mortgage company asking them how this happen after just going through a loan modification and Escow being set up when I closed on my home. They said that my taxes went up and insurance. I contacted the city of where I live and they said they did not go up that much and didn't understand such a huge negative. I was in disbelief at this point and did not know what to do. I did not just have {$4600.00} sitting around to give them. So I became delinquent with my payments. I reached out in XXXX of XXXX to see if they could redo my loan modification because of what happen they denied me and said I had to wait another two years before reapplying. I am at a complete loss right now and do not know what else to do to keep my home. I feel this company was very sneaky in what they did which they did not include taxes that they knew would becoming due and just want me out of my home. They certainly had all the information needed to do the loan modification back in XXXX and failed to include the now delinquent escrow amount coming due in XX/XX/XXXX. I deserve an answer and to keep my home because of them messing up my loan modification. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
We're the seller of a house that the Lender ( Renasant Bank ) in question is funding for the buyer. The lender did not disclose that they were helping the buyer use a Program called Georgia Dreams, which gives some kind of assistance to a first time home buyer. This particular assistance program involves a lengthy process that can last up to an average of sixty days, according to information on the program website. 

The lender only let everyone know about this exception on the date of the closing that it wasn't going to happen, which is not acceptable. 
Because the lender gave no warning to any of the parties involved, the closing date has passed with no end in sight. We can no longer fund the purchase of our new home and the seller of that house will likely bail out and look to sell to someone else. 

If the lender had disclosed that the closing would not be on time and in fact would likely take weeks longer than normal, we would not have made a house offer that we couldn't complete without the funds from this sale. 

Their actions have caused a cascading effect which is not only frustrating but economically devastating to several parties.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a statement from citi/COSTCO : XXXX Statement : Minimum payment due : XXXX Balance as of XX/XX/19 XXXX Account is past due my name/address NO ACCOUNT NUMBER I DO NOT WON this credit card, nor have I ever authorized its use. 
I called 4 different phone numbers ( account assistance ) ... .no options since I had to include my account number. Also asked for phone number or SS number. Foolishly I gave the SS number. Finally had to call 'technical support ' to talk w/live individual ( i guess ). When she asked about 'which ' citi credit card I was having an issue with, her she said 'costco ' ? Transferred to another rep. He wanted all vital info ... dob/ss/phone etc. I disputed providing this information over the phone. He said, 'but you called me ', like that made an already illegitimate fraud legitimate. I said I was going to report fraud ; he put me on hold ; then came back on and said he had 'their fraud ' person on hold and was going to transfer me to her ... .so I could make 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 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to 2014 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with the exception of statement showing a balance. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.

Company response to consumer: Closed with explanation