vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.

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 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC
State: CT

Complaint narrative:
a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!

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 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In XXXX of 2016, A major flood disaster occurred in the XXXX XXXX XXXX area where I live, Both President Obama and Governor XXXX XXXX XXXX issued a declaration of federal disaster. 
Mail service was sporatic at best and still is. I did everything I could to stay on top of my debts, With mail being an issue, I did miss a few payments, CBNA Sears Account number XXXX refused to give me a deletion of the late payment in XXXX. I sopoke to them on several occasions and they said a natural disaster was no reason to be late on a {$27.00} payment. They were rude and condescending about this debt, I paid the account off, and then they arbitrarily closed the account. I am asking for the law to be followed on credit reporting after a natural disaster.

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 2016-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 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: PlusFour, Inc
State: NV

Complaint narrative:
Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.

Company response to consumer: Closed
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.

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 2017-02-14 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: I.C. System, Inc.
State: IN

Complaint narrative:
On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX 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 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.

Company response to consumer: Closed with explanation