vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX and they claimed that I visit their site. The man said I was approved for a loan. I said ok and XXXX was deposited he did n't advise me that they would be charging fees or I would have never agreed! As of today they withdrew {$1300.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
The original debt was with Payday loan. It was taken over with Ad Astra. I originally provided a fully filled out check for the pay back to Payday loan which they apparently did not cash. It was at least a couple of years before I realized I had a problem. And Astra is on my credit report as a judgement even though the statute in California is four years and has clearly been over for a while. When will this issue be removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: KS

Complaint narrative:
I 'm trying to pay my morage. I went online at home point fina. it would n't let me make a payment so I call and the agent took my payment but charged me XXXX fee then said that it would be unlocked to make my next payment .. I went online again to make another payment and again would not let me make a payment .. today I call and the agent said that she could not accept my payment that it would have to be XXXX XXXX to her she was very rude when I asked for a manager she denied me a manager. saying there is nothing that can be done but to XXXX XXXX my payment and I have intel the end of XXXX to make my payment. my payments have never been returned to my bank. they bought out XXXX XXXX who is who I signed the loan papers with. and I never had a problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America denied me with the answer with are NO LONGER reviewing your home loan assitance

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 2017-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
**Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I requested a due date change on my account. I requested the due date change to the XXXX of every month instead of the XXXX. Reason being I get paid once a month on the XXXX Wednesday of every month. Due to where the fluctuation of certain days in a month occur, my pay day sometimes falls after my due date of the XXXX. I was informed because of where I live ( West Coast region ) the company is unable to change my due date. This inflexibility will sometimes cause me to be late with my payment. I am trying to be a responsible debtor so that none of my payments are late and I feel this company ( XXXX XXXX ) is hindering my ability to be a responsible debtor. Every other credit card I have, has been able to acquiesce my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My late father, who died in XXXX, had 2 telephone line accounts with XXXX XXXX XXXX since the XXXX : a primary residence line and a secondary fax line for his at-home law business. I moved in with him to care for him as he became ill shortly before he died ; after he died I continued making the monthly payments for both lines, but I did n't need the secondary fax line anymore since I do n't use fax machines. Moreover, the fax line was disconnected by an XXXX XXXX XXXX XXXX technician who was trying to fix the primary phone line XXXX excessive static, dropped calls XXXX. I told the technician to just close the fax line account since it has n't been used for a couple of years since my father died. Then I called XXXX XXXX XXXX and told them to cancel the fax account & upgrade the DSL service on the primary line. But instead of closing the account, they just kept billing me for another 2 months. They refused to close the account & instead kept billing me ; for 2 years I paid every monthly bill even though I never used the fax line, and after the tech disconnected it, I closed it then stopped paying the bills. That is where the current debt originated, but it was only my father 's account all along since he alone signed the contract & he alone used the account. XXXX XXXX XXXX then reported it to the credit bureaus under my father 's name over 5 years ago. So not only is the debt not mine, but there should n't be ANY debt at all since I closed that account many years ago. 

Then, about 2 months ago I get a letter from a collection agency threatening to report me to credit bureaus if I do n't pay this debt. I call them, IC Systems, Inc., explain the above and they hang up on me after a heated argument. Then two weeks ago I get another letter offering to settle the supposed XXXX XXXX XXXX debt of {$280.00} for {$84.00}. And a week ago I get a credit alert that a new collection account has damaged my credit profile. So a debt that is n't even mine & is n't even legitimate is now ruining my otherwise perfect credit history. So I go to IC System 's website & pay the {$84.00} in order to end this nightmare & remove the fraudulent collection account from my credit report. But after I make the payment, a get a message from IC System that I still owe {$190.00} on my account!!!! Furthermore, the fraudulent account is still on my XXXX credit report doing severe damage to my credit score!!

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 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

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 2017-11-09 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: NY

Complaint narrative:
I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello I sent a debt validation letter to Capital One on XXXX XXXX 2017. They have not responded with any documentation with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CA

Complaint narrative:
Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. 

My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : 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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: NV

Complaint narrative:
A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I reported the problem to Money gram agent. would not give me his name. 
was told will email the complaint via email. I made the complaint on XXXX. 
As of yet money gram has not communicated with me at all. 
I felt ignored. Hold them responsible for not taking fast action. Part of me hold them responsible for my loss by not taking action in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastern Revenue, Inc.
State: IA

Complaint narrative:
I was n't sure how to code this with the choices beforehand, so forgive me if I chose the incorrect options. I was contacted by Eastern Revenue alleging I owe about {$2800.00} for a Perkins Loan from XXXX University. I had consolidated loans a while back and thought this was put into that. The caller, XXXX, and his supervisor, I think his name was XXXX, INSIST they can consolidate this in for me but only if I give them my login information to studentloan.gov, where you can consolidate or defer, etc .... I refuse to hand over my personal access to my student loans online like that. I am capable of calling to verify if I indeed need to consolidate this one as well or make some arrangements if it indeed is owed. I told them I would handle it and I would not be handing over my personal access to my online student loan information. They both got snippy with me and said that it 's my problem if I want them to just collect more interest and they are the only ones that can help me. The supervisor was very condescending and near threatening that I 'll just pay more money to him because I wo n't allow them the access. I called the student loan servicer and they agreed to NEVER hand over the personal access, which I knew and had not done. They also advised to tell them to not call me and said all my loans are consolidated as far as they can see. I left a message with XXXX to NEVER call me or anyone about me again ; I would handle verifying my info and making any necessary arrangements if needed. I am reporting them because they called me at numerous places, including my job, and did not verify who they spoke to when I answered at my job. They also insisted that I MUST allow them to have a code sent to me and hand over the code allowing them to unlock my online student loan information. They are unethical and scammy. I felt very uncomfortable. As of now, I have told them to never call me again or about me again. Today is XX/XX/XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation