vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My mother XXXX suddenly on XX/XX/XXXX so we ended up having to dispose of her assets. ( There wasnt much my step fathers XXXX pretty much eliminated most of it. ) To make a long story short advance to XX/XX/XXXX after probate, XXXX XXXX requested that I request a payoff from Citimortgage. I did however they needed one valid through XX/XX/XXXX. On XX/XX/XXXX I contacted Citimortgage and requested a new payoff that was faxed to XXXX XXXX. On XX/XX/XXXX they wired the payoff amount to Citimortgage. Shortly after Citimortgage returned the payoff amount and claimed that on the XX/XX/XXXX they received a bill for {$600.00} from a company in XXXX XXXX which they contracted in XX/XX/XXXX?, to check on the property and do any maintenance. They say this is standard procedure when a property goes in arrears. They claim to have made 3 visits to change locks and landscaping and cleaning. First of all my mother passed in XX/XX/XXXX and was up to date so didnt become past due until middle of XX/XX/XXXX. Please note letter from the bank verifying when the when the delinquency began. Next there is a H.O.A. who does all the maintenance and there is no back yard just a 6ft by 20ft concrete slab. As far as the locks, the current tenant is using the original keys. There was nothing ever done. I have attempted to discuss this with Citimortgage but they cut me off because they do not have any paperwork showing me as the executor or the death certificate. These have been faxed to them and XXXX has copies of the verification they received it. They are saying that it takes 7 to 10 days before it is input to the system, and yet they supposedly received a bill and was immediately placed in the system. They will not discuss anything with the title company or myself letting the interest and fees add on and soon another payment to be included. They also can not produce anything verifying services were done either. They made a mistake and want someone to pay for it. All we are looking for is to drop any additional charges, fees and interest and accept the payoff as is written by them and issue the deed. This is also what Nevada requires them to do.

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 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}.
The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs.
The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX.
The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed.
I disputed the account with my credit reports, however, XXXX  verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale.

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 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I received a letter from Citizens One saying that they were unable to process scheduled payments for a personal loan. When I called the number on the letter XXXX to tell them I do n't have any loans with them they said it was a loan I had made through apple and could n't give me any information about the account or how much was owed. I have not taken out any loans to purchase an apple project and not sure if this is legit. The letter says the loan will close and I will have long-term implications on my credit. Have I been scammed or is someone taking out a fraudulent loan under my name? Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Date the account was opened without my authorization : XXXX 2016 Amount they claim I owe : {$500.00} Actions I took first : Asked the companies for an investigation Actions the company took : They did an internal and a extensive investigation Company claiming that I owe them : Victoria 's Secret 2nd Company claiming that I also owe them : Comenity Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.

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 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been receiving more than one call a day from Navient with regard to my outstanding balance on my student loans. Because both my husband and I carry outstanding balances on student loans, we want to consolidate our loans and apply for income based payments. Navient has denied me that right, claiming that because the loan they are calling about is a " private '' loan they can not speak to the facts about my subsidized and non-subsidized loans. They have given me options to make payments towards only the private loan for which they call about and they refuse to entertain that I can not afford the payment options they are giving me. This is above and beyond the fact that the institutes who sold me my education falsely promoted wages and career opportunities to get me to go to them. I can not afford to hire an attorney to help me with this issue. I have applied to the Borrowers Defense on https : //studentaid.ed.gov and I am patiently awaiting someone to contact me to help. Furthermore no one at Navient has responded to my request for documentation to review from my original loan ( s ). What can I do? Where can I turn?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage is escrowed and the mortgage company is responsible for making the property tax payments. I have made all of my payments on time. When my loan servicing transferred to Freedom, they had my escrow payment incorrect. I called to correct the issue and pay a higher amount to cover my property taxes. I received a notice in the mail yesterday that the county has placed a tax lien on my property due to unpaid property taxes. I have a FHA loan, the property taxes should have been paid by the mortgage company. This is not only public record that my property has a tax lien against it, but it will affect my credit as well. When the mortgage company contacted me back about my issue, they said it was the prior servicer 's responsibility to pay those taxes even though they were due when the current company was servicing the loan. They also told me that it was my responsibility to notify the mortgage company that they need to pay the property taxes. Freedom Mortgage made a huge mistake by not paying my property taxes through the escrow account that I pay towards every month.

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 2017-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.

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 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need clarification on the loan balance currently being reported to my credit by Wells Fargo Dealer Services. I have tried to get answers from Wells Fargo directly but I am not getting the information I need from their representatives. The loan number for the account is : XXXX. This is for the vehicle I had through Wells Fargo that was totaled in 2015. The insurance should have covered the loss of the vehicle but there is still a balance of {$8300.00} being reported as my remaining loan balance on my report. I have obtained copies of the insurance payouts and the numbers are not adding up to what is being reported on my credit. I am including a letter from XXXX XXXX XXXX which shows that a check for {$5500.00} was paid out to Wells Fargo in XXXX 2015. In addition to that, My GAAP benefit from XXXX XXXX XXXX XXXX was valuated at {$1000.00}. I need to understand how this was applied to my remaining loan balance and why the credit bureaus continue to report that the balance is {$8300.00}.

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 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My originally loan was with XXXX XXXX, the loan was sold to NAVIENT. I paid an amount upfront so I wo n't have a payment until XXXX. I have been repaying my loans since XXXX, I graduated at XXXX. Every time I had asked them to provide me the total interest I paid, they referred me to a loan consolidation so they can charge more interest. My original interest was 3 %. I asked them many times to provide me a discounted payoff options to no avail. As of now, I do not have the information of how I still have $ XXXX and change remaining making payments for so many years. I would like cfpb to look into my loan accounts and provide me this information as Navient has not. Also, why would n't they offer a payoff option so one can cut their interest rather than inviting us for forbearance, consolidation, etc where it adds to the interest rate? This seems to be a highway robbery. Please look into this for me. Much appreciated. XXXX XXXX Tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.

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 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
The collection agency has refused to supply me with the requested documentary evidence bearing my signature that I have some contractual obligation to pay them. In the absence of any such evidence, I must assume that this is not a valid obligation. Express Recovery Services has damaged my credit by reporting this unsubstantiated obligation to the XXXX major credit bureaus. I want this erroneous information deleted from my credit reports. Furthermore, Utah Code states that the statute of limitations for an open ended account is four years. A debt collector no longer has a right to sue for payment once a debt ages past the statute of limitations. This is a violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.

Company response to consumer: Closed with explanation