vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: VA

Complaint narrative:
My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Each time I put in who I am I can never get my score

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: TN

Complaint narrative:
My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a XXXX XXXX and can not read well and can not comprehend what I read. My XXXX was a modified one since I could not earn a regular XXXX. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her {$30000.00} and want over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Sarasota CCM, Inc.
State: WA

Complaint narrative:
XXXX calls from multiple numbers claiming to be lawyers who want to serve me with papers, they say that I have to pay them {$500.00} now or they will take me to court for criminal proceedings. They call at all hours and to my family members threatening me. They call 3-4 times a day. When I have spoken with them and I ask for them to send me proof that I owe the debt they claim that they do not have to send me any proof. I also do not owe this debt, I 've cleared all my debts that can legally be collected on.

Company response to consumer: Closed
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma, LLC
State: NM

Complaint narrative:
I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment.

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 2015-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I deposited a check in the Citibank Atm on XXXX XXXX, 2014 for the amount of {$1200.00} at XXXX XXXX XXXX XXXX , XXXX Va XXXX. It bounced on XXXX XXXX. The check was from XXXX XXXX from XXXX XXXX XXXX. On XXXX XXXX, 2014 the check was resubmitted to XXXX XXXX XXXX which they claimed to have paid to Citibank on XXXX XXXX, 2014. Citibank is denying they ever received the money/transaction. Citibank ( XXXX the supervisor in the generic call center and XXXX XXXX at the XXXX, Va branch ) refuse to speak to XXXX XXXX XXXX to find out who has stolen the money. 

I had the Major Financial Crimes Division of XXXX County investigate this. In doing so, they went through camera footage at Citibank, my account as well as speaking with XXXX XXXX XXXX. The conclusion was that I did not cash that check at any time and it was never deposited into my account. 

There is a long back story as to who bounced the check on me and the dead ends I have encountered from government sources. Citibank blatantly refused to discuss who stole my money to XXXX XXXX XXXX. 
PLease help me force these XXXX banks to do their job and return my money to my account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUHOME SOLUTIONS, LLC
State: TX

Complaint narrative:
My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.

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 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed

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 2015-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum
State: CT

Complaint narrative:
Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid. 
The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.

Company response to consumer: Closed
Consumer complaint received 2016-03-07 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: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
My wife and I had XXXX internet for several years. We initially bought our modem when we began our service. We moved XX/XX/2015. XXXX XXXX XXXX send us a new modem that we did not need. The technician came to set up our new service and told us we needed to ship the new modem back. We kept the modem that we bought. XXXX XXXX XXXX at that point began charging us a rental fee each month even though we returned the modem. XX/XX/2015, we moved again and at that point ended our service with XXXX XXXX XXXX. We got a final bill saying that we owed them for the modem we were renting. Even though we sent it back. An XXXX XXXX XXXX representative reviewed our account and said that we were actually owed a refund for the rental charge they had been charging us monthly and we were wrongly charged for the non returned modem. They sent us a refund check. Weeks after this, we were still receiving a check saying that we owed approximately {$130.00} for the non returned modem and would be turned over to collections. At that point, I called XXXX XXXX XXXX back and another representative reviewed our account and admitted we were wrongly charged and this would be taken care. We kept receiving letters. I have been on the phone with XXXX XXXX XXXX over 4 times. We now have a collection agency calling us. We worked hard to get our credit scores above XXXX and this has really hurt us.

Company response to consumer: Closed