vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in US Federal Bankruptcy Court in  Maryland on XXXX/XXXX/XXXX which was ordered discharge on XXXX/XXXX/XXXX. Case Number # XXXX. 

I included a Private Co-signed Student Loan via Citizens Bank serviced by XXXX XXXX XXXX XXXX. Due to my income, hardship, and no employment and on public assistance with not ability to repay this loan its was allowed in the listed of debit and creditors of my chapter XXXX bankruptcy filing and discharged. 

Both Citizens Bank the loan holder and its servicer XXXX have been attempting to collect on a discharged debit ordered by the US Federal District Court for Bankruptcy in Maryland. 

They have contacted me several times by phone which I had inform them it was discharged in Chapter XXXX Bankruptcy. They being XXXX and Citizens Bank also attempted by mail to collect on this discharged debit I started to keep record and they on XXXX XXXX, XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX to still attempt to collect on this debit. I have responded by mail and even demanded to cease the collection attempted and correct the collection and credit report records to XXXX and Citizens Bank on XXXX XXXX, XXXX by fax and US Mail to Citizen Bank and XXXX, and on XXXX XXXX, XXXX to XXXX again with their request form format. I then received a response from Citizen Banks by mail on XXXX XXXX, XXXX that they are ignoring a federal court discharge order and has stated that I still owe them the monies and need to repay and it was the Citizens Bank 's final decision on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have contacted all three credit bureaus multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding XXXX hard Inquiries and two car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports TransUnion, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Yes have complained about this numerous times. My home mortgage payment is supposed to be taken out of my USAA checking account XX/XX/XXXX of every month. It is XXXX XXXX XXXX 2017 and my mortgage payment has still not been withdrawn by XXXX nor USAA Federal Savings Bank. I just talked to USAA CEO 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly. When or is any Federal Action going to be taken to resolve this as it is unacceptable by all means for a mortgage payment of over 1200-US dollars a month?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC
State: CA

Complaint narrative:
This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice 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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was closed.

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 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC
State: MO

Complaint narrative:
On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: IL

Complaint narrative:
XXXX XXXX XXXX is currently reporting an account that I am not responsible for to Transunion that needs to be removed.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I refinanced a federal loan upon graduating in 2006. I thought the terms of repayment were 120 payments ( 10 years ) but it appears I 've been paying on a 20 year loan. As my service provider has changed several times ( XXXX to XXXX XXXX to Navient ) I requested my " terms of repayment '' on multiple occasions. I finally received a document with the total amount borrowed but no terms of repayment. Via the customer service representative, the information has been requested several times but I have not received any documentation. 

I am concerned that I have been billed incorrectly and Navient can not produce my loan documents in a timely matter ( or potentially at all ). I would like information about my loan to make sure it is being serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One sent my credit card statements to my old office despite the fact that I sent them a change of address showing my new office suite number. 
I got a call from their collection Department after several months and I explained what happened. They reversed the late charges and penalties, but reported my account to the credit agencies as delinquent and in collection. My credit score has been significantly lowered and Capital One refuses to correct the information they gave the credit agencies. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EXPERT GLOBAL SOLUTIONS, INC.
State: KY

Complaint narrative:
I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: KY

Complaint narrative:
I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On Sunday, XXXX XXXX, XXXX, I tried to electronically freeze my credit file with Transunion. At the end of the process, I received an error message with a number to call to freeze it over the phone. Today, XXXX XXXX, I called and after 30 minutes of questions, I was told that the if I froze my credit account that I would have to send them social security verification in order to lift it. They told me someone had filed credit information showing " XXXX '' as a suffix and that was causing them a problem. I 've been living at the same address since XXXX and have always used " XXXX '' as a suffix although on some credit cards do not use the suffix. 
Surprising, I had no problem implementing a credit freeze with XXXX, XXXX and XXXX. The persons I spoke with then gave me a telephone number to answer questions about a security freeze. I dialed it and viola, it is their number to call in order to sign up for their identity monitoring programs. I 'm totally sick of companies like Transunion trying to make a buck on the misfortunes of XXXX XXXX XXXX citizens and, as much as I hate to advocate it, it is time for the US Government to get involved.

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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: ND

Complaint narrative:
Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
In XXXX of this year, I had statements that reflected my payment was not due until XXXX 2017. They never placed the overage I was paying against any of the loans. I requested them to leave one month cushion and place the overage on my smallest loan. I pay before the due date and have late payments every month for they area simple interest loan ( highway robbery ) so why have a due date!! They took all the payments an placed on the loan making one month behind now and a rolling 30 day late and have crashed my credit rating. 

How can this be clear up? They are the worst company and govern reports that student loans never get paid back!! you should have a term loan not legalized loan sharks handling this ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Received a call from CEO on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that USAA never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NATIONWIDE ACCEPTANCE LLC
State: TX

Complaint narrative:
I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.

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