vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: CT

Complaint narrative:
I received a letter claiming I owe a debt from a collection agency when I was not contacted about this debt prior to sending it to collections. I am unaware if my roommate was contacted or not, however if we are XXXX being held accountable, we XXXX should be contacted separately, as we no longer reside together. 

I do not owe charges to replace the carpet in the apartment, as we noted upon move in, that the carpet was sufficiently worn in the areas they are now claiming were our damage beyond normal wear and tear upon move out 6 months later. I vacuumed weekly, not once was a single thing spilled, and we did not have company over as we are XXXX from Connecticut. The damages they claim are what we noted upon our move-in inspection and are not possible with our standards of living and within 6 months. On the carpet invoice dated XXXX/XXXX/2015, it states disputes will not be honored 30 days after invoice date. I was not given the chance to dispute these allegations, as I was not notified. It should also be noted, that there was a change in management between move in and out dates. We are being held accountable for the discrepancy of their change in standards in regards to move in and out conditions. Had the same person done the inspection prior to us moving in, they would have seen that the carpet was in the same condition upon move out. Neither the management prior or current have pictures at the inspection times of move in or out apparently ; nor do I, as our previous apartment, we never had these false accusations of damage. I thought we were quite meticulous with our move in inspection notes and intentionally noted the carpet condition under " additional comments '' as we felt it did not pertain to any one category. I will be sure to be overly persnickety in every rental agreement to come now, because of these false accusations. 

The leasing office was verbally notified we would need to terminate the lease as far back as mid XXXX. I am aware, however, that they needed written PCS orders which the XXXX did not provide until XXXX. My roommate stated he was taking care of the final payment for rent as I had moved out XXXX XXXX, 2015. I understand I am legally bound by the contract, however, if I am being held to this debt collection I should have been notified of the debt prior to the collection agency. A resulting {$370.00} in legal fees is now also being charged, in addition to the carpet replacement they are trying to pin on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citibank credit card with a XXXX XXXX XXXX Aadvantage points sign on bonus if I spent {$3000.00} in 3 months. I spent over {$3000.00} in 3 months and did not receive my bonus. I complained and they said there is no bonus if you have had a card in the past 18 months. 15 months had passed at the time. They said I would NEVER get a sign on bonus if I kept my card. I saved a copy of the application terms and conditions ( I tried to attach it here but it would not let me ) and there is nothing about 18 months. It does say this offer is valid only for new account. This was a new account. Furthermore, when I complained they said I am being penalized 24 months from the current date to reapply and get a sign on bonus. They are penalizing customers just for getting one of their products? This is ridiculous. The XXXX sign on bonus is in LARGE letters. Maybe somewhere in tiny print is the 18 months limit but I can not find it. When they sent me my card they should have CLEARLY notified me that I was not eligible for the sign on bonus. Instead, they led me on so I would spend the {$3000.00} and get nothing. This is a DECEPTIVE business practice and the CFPB should investigate. I sent a letter to XXXX XXXX, President of Citibank and I am writing this complaint to the CPPB because of the nonsense response I received from a XXXX XXXX at Citibank who ignored the fact that I received no sign on bonus that they advertised in LARGE letters, that I would never receive a sign on bonus if I kept my card, and was being penalized for 24 months if I cancelled the card. I was so annoyed I cancelled my card and am writing this complaint. There is certainly nothing in the terms about a penalty. I hope to see XXXX XXXX before Congress like XXXX XXXX of 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 2017-02-10 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: IL

Complaint narrative:
I opened an account with XXXX XXXX in 2010. I have XXXX loans with them equally close to $ 80XXXX. Through the fours years of college, I paid {$100.00} due to not working while at school. My mother helped me pay. Once graduated, 6 months later, my payments jump to {$900.00}, at this time I barely end started where I work now. At this time, my XXXX account got moved to Navient. I get in contact with Navient, pleaded to work with me on finding a better plan to repay my amount, I asked about income based repayment and they immediately said no ; we agreed on paying XXXX for 15 months. During that period of paying {$330.00}, I got used to paying that amount. Now that my 15 months are up, I got in contact with Navient pleading if I could possibly pay less due to having additional bills to pay or the same plan for 15 months, again they say no. I had to go into forbearance for 2 months. Now Navient wants {$350.00} for 15 months. 
How is that fair? I 'm trying to work with them and pay my dues. But I ca n't with the amount they are asking. I want to have a future, I want to have kids, but I ca n't do that with half my monthly income is going to student loans. 
I also have an account with XXXX to pay my federal loans, which I have no issue paying due to it being a income based repayment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
On XXXX XXXX, 2015, 21st Mortgage Company hired a third party subcontractor to illegally evict me and my XXXX children without a court order, then destroyed and illegally seized all of our belongings. 21st Mortgage Company failed to file and serve the proper notice. The subcontractor, intentionally causing emotional distress, anguish, anger, fear of an arrest, frustration, humiliation, embarrassment, when he purposely lied to the XXXX County Sheriff Department, purposely created a hostile environment. When I notified 21st Mortgage Company, unresponsiveness, unsuccessful attempts and due to our homelessness, caused me to XXXX. The subcontractor 's deliberate malicious destruction of my property, intentionally reported to the sheriff 's deputy that I was trespassing.While I was removing my property from the home, after being told by 21st Mortgage Company that they would give prior notice. My youngest son and I was forced to watch the subcontractor and his workers steal everything WE own, forced to watch them take away the memories of my family, throw my property on the back of truck. 
The subcontractor lied and information was not disclosed clearly and it was misrepresented. The mortgage company 's unfair business practices, stealing everything I own, selling the property with my ceiling fans and light fixtures, I need help getting my property back, due to their deceptive practices. The mortgage company was completely aware of my situation, I also notified their attorneys, and they have refused to investigate my claims, respond to my complaint filed through their internal website. I did not abandon my home, my home was still filled with my furniture, this was not an abandon property, lighting struck my air conditioning unit, I did not have the money to get the unit fixed, did not have the money for utilities, nonetheless the property did not meet the criteria of an abandon property according to SC State Statue. Please send me an email address to send copies of my records. I look forward to your reply and a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of 2016 a formal notice of dispute was sent certified mail to Bank of America demanding the validation and verification of an allege loan debt, Bank of America failed to respond. In XXXX of 2016 a second notice was sent demanding validation and verification of an alleged debt, Bank of America failed to validate the debt. in XXXX of 2016 a third notice was sent and Bank of America did not validate nor verify the debt. 

Bank of America is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Bank of America is harassing me, conspiring to defraud me out of my property, and violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Bank of America continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under Frauds and Swindles laws. Bank of America is sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my credit report and noticed Bank of America published negative remarks to all XXXX credit agencies. This is defamation of character and a violation of Fair Credit Report Act

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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Charlottesville Bureau of Credits, Inc
State: MD

Complaint narrative:
Valley credit collection agency was paid for XXXX delinquent accounts on XXXX/XXXX/2015. {$56.00}, {$100.00}, {$120.00}, {$25.00}. Totaling {$300.00} plus a processing fee of {$5.00} for grand total of {$310.00}. Collection agency refused to provide me written communication of itemized bills I paid. They also have not notified credit bureaus that accounts were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation
State: NJ

Complaint narrative:
XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation
State: MN

Complaint narrative:
I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Global Credit & Collection Corporation
State: IL

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX in my married name of XXXX XXXX. My discharged was date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from XXXX from Global Solutions. She asked for me my XXXX XXXX, that is how they have me filed. Their case number for me is XXXX. XXXX called my son and wanted me to call her back. I called her back on XXXX ext. XXXX. But she had called me from XXXX. XXXX advised me she is representing a payday loan company. I asked her the name of the company but she talked so fast I did not understand her. Any loan that I received was before I filed for bankruptcy. XXXX advised me that I had committed fraud and I did not. So I hung up the telephone. She proceeded to call back and I refused to answer and let the phone ring at least 10 times. I called the lawyer who had represented me in the bankruptcy and was advised that this was a scam and referred me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
In a previous complaint filed with this same company I mailed certified mail and faxed them a written request to NOT call my employer. XXXX called my employer after this company received notice to not call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I 'm trying to refinance a home loan. When I originally spoke with the loan company, we discussed a rate that would provide me with a credit big enough to incur no closing costs. Now, the lender is telling me that I may need to bring at least {$5500.00} to closing, and I have a higher interest rate than we originally discussed. I feel that this is a bait and switch on their part. Also, on XXXX/XXXX/16 they told me that I could close on either XXXX/XXXX/16 or XXXX/XXXX/16, and are, as of today, now telling me that I ca n't close then, and telling me that they did n't schedule closing with my Title Company, so it is n't their fault that I may incur costs to reschedule, including taking time off work so that I can sign the papers. Now I ca n't get them to tell me how much money I will need to bring to closing. I feel that they are ripping me off, and know that I ca n't do much about it since I 've already spent money on an appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI

Complaint narrative:
I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt!

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 2015-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I sold my house on XXXX/XXXX/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.

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