vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
In  XXXX  , 2015 I disconne cted services with  XXXX  prior to the contract end date. I knew I would have to payout the contract so I continued to make payments as well as being issued a credit from  XXXX  corporate offices when I called to complain about the representatives low level customer service abilities. I requested an itemized statement of final charges from  XXXX  reflecting all payments as well as the credit. I never received the information but in turn  XXXX  turned the account over to the  XXXX  collection agency, I notified them within 30 days in writing that the account was in dispute and to cease any attempts to coll ect ( they complied ). I sti ll never received the information I requested from  XXXX  and they in turn sent the account to the  XXXX  collection agency, I notified them as well within 30 days in writing that the account was in dispute and to cease any attempts to collect ( they complied ).  XXXX  continued to not provide me with the information I requested but they in turn sent the account to a  XXXX  collection agency. I notified the  XXXX  collection agency via fax and in writing within 30 days that the account was in dispute and to cease any attempts to collect. They instead put the account on my credit report which has now put a negative mark on my report. I contacted them advising them that they were notified via fax and in writing that the account was in dispute and they were not to put it on my credit report or continue to collect. I stated that they were in violation and they are to remove that from my credit report. It was stated to me  by one of their re presentatives, that as long as I " owe '' that amount it will remain on my credit report.     I then contacted  XXXX  corporate office, escalation team again and stated this is ridiculous for it to have gone on for a year and a half when all I requested was an itemized statement of the final charges. I also informed the rep again, that I was not disputing that I owe  XXXX  I was disputing the amount and by law they were required to give me that information.     After almost anoth er 2 we eks the escalation rep at  XXXX  stated he could not make sense of their records and out of the good of customer service, would issue me a {$300.00} credit toward the final amount of {$430.00}, which would make the final amount {$130.00}, which was paid.     I worked really hard to get my credit back on track now only for this collection agency to disregard the notifications I sent, not listen to what I was saying and to put this blemish on my credit report. Now because of their form of bullying, I have to hold off longer on trying to buy a new home.     Thank You,  XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
In  XXXX  of  XXXX  I wrote a letter to  XXXX   XXXX  services asking to validate a debt that started reporting on my credit report. I then received a letter dated  XXXX / XXXX / XXXX  that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on  XXXX / XXXX / XXXX  from which they never responded. I then gave them  30 full   days and pulled a copy of my credit report dated  XXXX / XXXX / XXXX  and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section  623 ( a ) ( 3 ). I then w rote them another letter dated  XXXX / XXXX / XXXX  which is attached which was received on  XXXX / XXXX / XXXX  which they never responded to either. I have also noticed that this creditor has also broken FCRA  Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in  XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed a dispute multiple times with Equifax regarding  XXXX   XXXX . Neither party has provided the level of investigation or reinvestigation required by law. Nor have I been provided the level of information required by law. I demand that this item be removed from my credit report immediately or make all steps required by law to  show just cause for keeping it on my report. I further ask that this be directed to the FTC as well as any other Governing a gencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help me.

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
GET OFF THE  XXXX  ACCOUNT THIS DEBT IS ASSUMED. CEASE COLLECTIONS AND GET OFF CREDIT REPORTS.

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.

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 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance Corporat ion Charges betw een {$4.00} and {$12.00} to process your payments each month. I mail my payment as a cashiers check every month. This is a high interest loan because I have less than perfect credit due to hardships but I have not defaulted on my loan.     Last month the check was returned to me as undeliverable so I sent it again. I sent it the day before it was due this mont h ( so it will have the postmark date on it ) a nd because of the holiday they have not received it.     They call once per hour while I 'm at work and if I answer to tell them they get aggressive and tell me " then I should not have answered. '' The payment is not ev en one week late an d they start harassing, threatening to disable the vehicle and tow it. They actually towed it once and I had to pay an additional {$700.00} to get it back and get a bus to the neighboring state to pick it up.     All while charging {$4.00} - {$12.00} to proccess your payment and not allowing any modern method to pay your  bill ( electro nic deposit, not charging you to pay bill, etc ).

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pono Ventures Inc.
State: IL

Complaint narrative:
A R Recovery Solutions has placed an account in collections under my name and refuses to verify that this account belongs to me. This account has since been reported to the credit bureaus and has impacted my score. I asked them to sen d verification of the debt to me and they kept telling me that I would have to send in my social security card, picture id and a signature, which i dont trust to do so. I know that this is a tactic try to collect my personal information. They also have threatened to take legal action if i dont pay the account off ; the account that they refuse to validate or verify.     Secondly, according to Illinois Depart ment of Professional & Financial Regulation  and Fair Debt Collection Practices Act, A R Recovery Solutions is not licensed to collect debt in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.

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 2017-05-31 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: Nelnet, Inc.
State: CT

Complaint narrative:
I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my  loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from  XXXX   XXXX   XXXX  stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at  XXXX  I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am in the process of my fourth and final year of my   XXXX   XXXX   obligation ( I literally would be done with   XXXX   XXXX   XXXX  on   XX/XX/XXXX  ), but as of  XX/XX/XXXX ,   my grant (  XXXX  ) was turned into a loan ( with an interest aroun d 7,000 ) due  to not turning my paperwork in on time. The reason I did not turn the form in was because last year I had an awful time with it. I sent it in 4 times before they approved it because they kept saying that I could not put a future date ( I kept putting that I finish in   XX/XX/XXXX  even though they want the form in  XX/XX/XXXX  ) s  o  this year, I decided to wait until the year was finished to turn in my paperwork because I thought the due date of the form was a mistake on their (  Fedloan 's ) part. I have attached the form and on page 2 y ou can see where they ask for the to and from dates.   To be honest, I 'm devastated, because this grant has basically determined my whole pas t 5-6 years. I added   XXXX   XXXX   to my degree to receive the  grant, I moved to certain locations to work at a  XXXX  that is   XXXX   XXXX   XXXX  accepted and I only took on positions that aligned with the requirements of the   XXXX   XXXX   XXXX  only to lose everything I worked for over a form. When I called to try to work this out, they brushed me off as if this was no big deal and acted like I had no options and that this was a done deal.   I guess I am e-mailing you just to see what you think my next step should be or if you know of any contacts at the federal level that could help me with this.

Company response to consumer: Closed with explanation