vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank called me at XXXX on a Saturday morning. I usually turn my phone off but forgot. I live in Texas which is in the central time zone. They were calling me from the Eastern time zone. I believe they are calling in regards to a debt that is less than {$100.00}. I had attempted to close my bank account but there was an outstanding charge from XXXX. I had changed my bank information on the XXXX website and PNC bank was not showing up on my account yet it still got debited. I attempted to deal with bot PNC bank AND XXXX and neither would agree to fault or drop the charges. PNC added overdraft fees and daily charges to my account which I refused to pay. I 'm in debt consolidation and have been unemployed several times in the past XXXX months. This is a very low priority for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been getting numerous phone calls from XXXX as well as Portfolio Recovery Associates on a mobile number I never use for credit card applications. The number is also on the Do Not Call registry. The calls are intrusive and waste my minutes on a phone I use specifically for work.

Other numbers being used by PRA are as follows:

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Original creditor XXXX paid- account in good standings. 
Portfolio Recovery reporting same account with wrong Original Creditor listed. Reporting Late as 0f XXXX/XXXX/15 on XXXX and XXXX credit reports. Do not owe debt. No terms/agreements. Also, Portfolio Recovery modified account number from XXXX account and reporting it on XXXX account. Original creditor XXXX- aged account XXXX - Paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 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:
XXXX dba XXXX, XXXXand XXXX harassed me and my family at work and home for 10 years. They claimed they bought a 15 year old Sears Citibank Master Card debt that belong to me. In 2008, after hardship during Hurricane XXXX, we file bankruptcy. So, this debt was discharge by Citibank. 

In XXXX, XXXX/XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my XXXX. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was discharged. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: BC SERVICES, INC.
State: SD

Complaint narrative:
XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of XXXX now this XXXX thing is now from bc services -- - origionally did give credit bureau of XXXX the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In late XX/XX/2016 I received a mailed invitation to apply for a Citi/AAdvantage Platinum Select Card. The offer in the invitation stated that if I charged {$3000.00} in the first 3 months of having the card, I would receive XXXX ( XXXX ) American Airline frequent flier miles. I applied for the card and charged in excess of {$3000.00} in the first three months. I have paid all of these amounts promptly. Two weeks ago, I called the Citi number on the statement ( XXXX ) XXXX to insure that the XXXX miles had been added to my AAdvantage account. I was told that because I had a similar card in the last two years I was ineligible for the XXXX miles previously promised. I spoke with two levels of supervisors and each confirmed the same, one stating that the was a large number of people in similar situations. While Citi can make whatever rules it wants, if I was ineligible for the XXXX miles : ( 1 ) why did they send an offer to the contrary and ( 2 ) why did they issue the card knowing that it was requested in response to their offer? 
It 's requested that your agency intervene in the matter and compel Citi to honor its promise, just as I have in paying all of their statements promptly. Also, I ask that ( if possible under your rules ) this complaint be made not only in my own behalf but also that of every other person in a similar situation. It is unfair to offer something as an incentive and, only after cardholders have performed their obligations to earn it, pulling it away. For purposes of the box below that requests money loss information, I 'm valuing the miles at one cent per mile, which to my understanding is customary. Thanks for any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I went into sears and purchased a refrigerator and financed it through their credit card, and never got a statement, and also now was reported past due with the credit bureau. I am a XXXX and was treated with distain and like a criminal. I was interrupted many times as I was trying to talk and one person I talked to, XXXX at either sears or Citi bank said that if I make the XXXX dollars that would be fine, she would correct my credit bureau and also make sure all charges were taken off the account,, Then on Saturday I was called by Citi bank and said I was past due. I got a chance to call them today thinking it would take time to correct all the above to find out that nothing is corrected and that I still am past due. I paid the amount ( XXXX ) immediately and now am contacting you. I assume that nothing will be done and I will hear nothing from Citi Bank or sears, but I know my collection department does what we say will do.. and they should too. 

XXXX XXXX Phone : XXXX | Fax : 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 monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
My story is similar to some I 've read. Around or about XXXX XXXX I received an letter to avoid a garnishment, which I faxed on XXXX XXXX. That was the last time I heard from Keith Weiner & Association. Until XXXX XXXX my employer sent notification of garnishment to be effective for XX/XX/XXXX first garnishment payment being withheld. I contacted the paralegal specialist advising I was blindsided by this garnishment and the amount of {$230.00} XXXX would cause a hardship for me and my children being I 'm a single parent and sole provider of XXXX. The paralegal specialist informed me at this point the only option I had was to go to court and request for a hearing. To avoid any more attention to this garnishment and even more the embarrassment I did n't challenge the garnishment amount so for the next XXXX months XXXX was withheld biweekly until the final payment was made XX/XX/XXXX satisfying the debt of {$1100.00} to XXXX XXXX XXXX XXXX XXXX of Ohio represented by Keith Weiner & Associates for collections. XXXX XXXX totaling {$1100.00} XXXX XXXX.Sometime in XX/XX/XXXX I received a notification for Keith Weiner office stating there was a balance of {$470.00} due for interest I called XXXX XXXX who is extremely rude. I tried to explain XXXX XXXX I would send the all if my pay statements showing this was satisfied paid in full on XX/XX/XXXX a final payment letter was sent to Weiner from my employe on XX/XX/XXXX as well. XXXX told me he did care what I had I still owed {$470.00} I asked how {$1100.00} was garnished by court order and that he was going to garnishment me again. I pleaded with him not to do so knowing the debt was satisfied and I could provide proof to XXXX XXXX he stated he did n't want any proof. I hung up very frustrated never receiving any other notification regarding another garnishment. Until I came back to work being out on XXXX for over XXXX weeks. XX/XX/XXXX garnished again by Weiner first payment on XX/XX/XXXX for the XXXX time for an additional {$470.00} in addition to the {$1100.00} with held XXXX XXXX. With the additional amount Totaling {$1600.00} causing and overpayment of {$470.00}. I contacted Weiner requesting my money back and XXXX stating I 'm not getting anything back I have all the cashed cancelled checks and now seeking legal guidance in this matter I 'm in jeopardy of losing my house this has caused XXXX, financial hardship humiliation as well as my reputation at Work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX

Company response to consumer: Closed
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
my elderly mother is in the middle of a reverse motgage forclosure i have been trying to contact the lender on numerous times as well as there attorneys with no repplies being returned i have noticed going through various paperwork of hers that this loan that elprted out with XXXX then became XXXX then to champion and now on the legal documents is now nationstar dba i and my mother are totally confused all i am asking the lender for is a payoff amount on the loan and time to sell the home and help my mother preserve a few years of life she might still have left i have no idea why this loan has been transfered to different banks any why this is even legal my mother was talked into this loan by her brother some years back i do not know who else to ask for help as there is so little helpful information on these loans to be found as i said above all i want to do is help my mother sell her home before we can not these loans are a disgrace and should be made illegal thank you and i hope you can help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I leased a car through Nissan. XX/XX/XXXX my car was stolen and involved in accident. When I called my insurance I was informed that I only had liability and the car was n't fully covered. When getting the car the salesman told me that he called my insurance company to verify my insurance and told me I was good to go. I have a paper where he said he called, but my insurance has no record of him calling. The finance manager then went on to fill out the lease agreement as if I was fully covered and signed the contract. I feel I was mislead and lied to. By North Carolina state requirements the dealership is required to call to verify the purchasers insurance. If in fact he did call then this would n't be an issue. The General Manager told me that they do not have to check customers insurance and that if you show them an insurance card that they assume you are fully covered ( I find that hard to believe ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
Quickclick loans in XXXX, Ga is reporting a negative account on my XXXX credit report that I have no knowledge of. I have sent in a notarized affidavit and a detailed police report stating that I have no knowledge of this account. I spoke with XXXX and XXXX in the fraud department and they informed me that they will not remove this negative item off the credit report unless a conviction was made of the person I believe who was using my identity. XXXX informed me if I followed through with trying to get the item removed they would investigate me and I would be charged with a felony. XXXX informed me that her and XXXX looked things over and they will not have the item removed. I have been trying to get this resolved for over 6 months now. They both were extremly rude to 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 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient refused to negotiate a lower monthly payment with my daughter, XXXX. 
I am the cosigner on this loan. Navient 's reply stated that I made too much money for them to lower her student loan payment. I am a XXXX nearing retirement. I am current on all MY Navient parent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello I had private student loans through XXXX/navient back in XX/XX/XXXX which were all paid off. In XX/XX/XXXX I was contacted saying that my four year private loan payment came due and I would have to pay over XXXX dollars when i am still in school for my XXXX. First I explained these were paid for and if they were only for four years why was I notified 8-9 years later. They did n't have an answer and refused to get to the bottom of this issue saying regardless I had to pay my loan that now had 9 years of interest. Navient never notified me I still had a loan with them from XXXX and wanted me to repay money I did not have. When i confronted them about this they said there was nothing they could do and oh well sorry about your luck. First off I already have one set of documentation saying one of the alleged loans were paid so basically they are trying to make me pay the same loan twice and then gave no sympathy I was still in school and could not afford the payment only stating oh well i guess your credit will suffer. In addition as stated even if some of these loans are possibly open they waited 8 years on a four year loan allowing years of interest to compile until they informed me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Friday XX/XX/2017 we received a check from Bank of America for the sum of {$640.00} for overpayment on a home equity line of credit which was paid off when the sale of our property completed on XX/XX/2017. This account was on autopay from our checking account so the bank took the extra money rather than us sending it. Although the check we received was dated XX/XX/2017 the envelope we received it in was post marked XX/XX/2017. This means that not only did the bank overcharge us {$640.00} they also held our money for no good reason for at least two weeks without payment of any interest. This is an unacceptable abuse of a customer.

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 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: WV

Complaint narrative:
JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief