vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently submitted a dispute Ag ainst Portfolio Recovery associates about conflicting information posted to my credit report regarding the purchase date of the collection. As a result of my dispute,   XXXX   made them change the purchase date to the proper date. However, without cause or reason Portfolio Recovery Associates has   reopened the collection account to be reported as open as of  XXXX / XXXX / XXXX . This account has been paid in full and closed since  XXXX  of  XXXX  [ please find the attached proof, of my old credit reports vs my new on es ]. There is no reason for this to suddenly be reopened. Therefore, it is my belief that Portfolio Recovery Associates  is retaliating against me for disputing their false information. As a hard-working person with  XXXX  jobs and a family,  Portfolio recovery Associated is intentionally seeking to inflict emotional and financial distress upon me and my Family. I Seek relief and the Maximum  penalties allowable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management is a ttempting to collect on a debt that by law, in the state of Florida, they 're not licensed or bonded to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reported to Equifax an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that Equifax to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get Equifax to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since Equifax has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for 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 explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Hello, My name is  XXXX   XXXX  I rented Unit  XXXX   XXXX   XXXX   XXXX  MD  XXXX   Apt   XXXX  .I re nted an apartment from  XXXX  at  XXXX  in  XXXX  MD. I lived there from  XXXX   XXXX  thru  XXXX   XXXX   XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days  XXXX  contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my  Move n dat e which was  XXXX   XXXX   XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did.  XXXX  is claiming I owe them money when in fact I do not owe them any money.  XXXX  at  XXXX  is not a " utility company '' which they clearly state this in their lease on p age ( 10 ).  If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in  my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from  XXXX  until I moved out, and balance is {$0.00}.  XXXX  sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else.  XXXX  & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ;  XXXX   XXXX  so much so that it is now affecting my everyday way of life. Please contact me at  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 2017-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
About  XXXX   XXXX ,  XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location  on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished  XXXX  tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent   me a denial of credit stating my income was not enough to qualify. Then, about  XXXX   XXXX ,  XXXX , I received another notice in the mail from  One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to  fall due to to many inquiries, making the loan I did receive with another company on  XXXX   XXXX ,  XXXX , more expensive, due to the increased interest rate. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Se c. 605, 609, and 623.  On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information fro m Original Creditor and   XXXX ,  XXXX , Experain, with is in violation of the law ... ..

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 2017-04-28 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: Credit Plus Inc
State: FL

Complaint narrative:
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my  XXXX  credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  CREDIT PLUS  XXXX    XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had  ( 2 ) two b ills sitting in  collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX  P  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: AR

Complaint narrative:
It 's been years of trying get a  XXXX  forgiveness and they just kept forbearancing and telling me I did not qualify. And rude person telling me I could at least afford  XXXX  $ /a month. I made even less a month and had  XXXX  when this originally started. I finish the semester with straight A 's, but my mother had passed and missed to many days. I knew this and submitted her death certificate. But they would n't except that or my  XXXX . Now it 's in collections and ca n't get any credit or loans. And I do not control acts of  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a  Chase Cr edit card in  XXXX  and it became delinquent, due to an illness I suffered from my inability to work. I had the, out of work protection on my account and they were still charging for that protection but they never paid the bill. Fast forward to  XXXX , a law firm  XXXX  and  XXXX   XXXX  has placed a lien on my account but I have never received any documentation   in regards to going to court or anything. Chase would/had never supplied me the Collection agencies information.
So basically here is why I am reaching out to you all for some assistance : 1. I am a current Chase mbr 2. My account has been locked and my access blocked w a high   bal.  XXXX   3. Credit card was only {$5000.00} 4. Never received any court documents 5. My military son is on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In [ Case number :  XXXX  ], Ba nk of American stated  in writing in  XXXX    XXXX   that I could request cancellation of my PMI at a  LTV ra tio of 80 % or below after  XXXX    XXXX  . I have contacted them to schedule my home appraisal for  XXXX    XXXX  , but Bank of America is now saying in their letter to me that  the LTV ratio i s now 75 % ratio instead of 80 %. I have called and written to the managers, but they want to hold on to the 75 %  LTV ratio, which contradicts their official written response in [ Case number :   XXXX  ]. See their response below : " ... .you  may request the cancellation of PMI when the LTV is at or below 80 percent of the original value of the property, or when the loan reaches the two year anniversar y in  XXXX  of   XXXX   ... '' Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be on my credit 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 non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or  the treasury.     Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly  XXXX  disappeared then  XXXX  more then  XXXX  more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ...     Please help me in this matter.   They have been ruining my life this year

Company response to consumer: Closed with explanation