vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this Citibank credit card, original account # XXXX since 2008. Almost 10 years later. Citibank still want to keep charging the same amount by XXXX is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. Citibank use XXXX debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company XXXX the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!

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 2019-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Credit Card - Credit Union XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my  phone is ( XXXX ) XXXX-XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

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 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On Friday XX/XX/XXXX I was notified by my credit card company that they were closing my account ending in XXXX, with a credit line of {$11000.00} and were dropping my credit line on XXXX from {$30000.00} to {$22000.00}, which was just over my balance of {$21000.00}. As Bank of america are my sole credit cards, this drastically lowered my lines of credit and dropped my utilization score from 53 % utilized to 96 % percent utilized. This will directly impact my credit scores. The account that they closed with a XXXX  balance I have held since the year XX/XX/XXXX. This will also drastically affect my credit score. I did make two late payments on the account recently, with me being unaware that XX/XX/XXXX was late. It was due on the XX/XX/XXXX, which was a weekend and my bill pay did not post it until the XX/XX/XXXX. Bank of America, only allows payment thru there website if you have a bank of america checking account. Thus I have had to use my local banks bill pay which may not be the quickest, but i believe in helping the local economy. XX/XX/XXXX bill was not paid due to oversight but i have since paid it. I dont feel a weekend posting delay and one genuine oversight leads me to have accounts held since XX/XX/XXXX to be such drastcally affect. There has not been a change in my credit recently, in fact i have been paying down balances. In addition I get false information from BOA agents who told me the account is closed, but as of now XX/XX/XXXX i logged into the account ending in XXXX and it appears open? I do not feel this is fair treatment of a customer who has been a loyal customer, with no other credit card banking relationships. I have made them the card of choice due to my longevity with them, in order to not affect my credit scores. This treatment is unfair. If I am such a delinquent, why not have an email or phone call any of my numbers stating I missed a payment. No such calls were made. I truly feel that BOA has drastically affected my credit profile by closing my longest held account unfairly and deceptively, via email on a Friday when I can not contact anyone in that line of business until the next week.

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 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX I sent via Certified mail to JPCHASE Research Department/Archives/Proper Clarification Department XXXX XXXX XXXX XXXX Ohio XXXX - Requesting Documents of : Rearranges " said Amounts Owed for *Start up/Re-instatement of My Mortgage in the amount of {$14000.00} of which XXXX Paid, thru XXXX XXXX What JPCHASE " sent '' / " Billings for this Amount- I am Requesting Itemized amounts of {$14000.00} ( Which is on My Loan '' ) **ANY AND ALL DOCUMENTATIONS USED/PERTAINING TO EHLP BILLINGS FOR PAYMENT AND/ALL CORESPONDENCES TO/FROM XXXX XXXX AND HUD- FOR , I AM : DISPUTING THIS SAID AMOUNT '' ..AND TO THIS DATE I, HAVE NOT OBTAINED MY RECORDS ( AND AS STATED ABOVE SENT VIA CERTIFIED MAIL ON XX/XX/XXXX OVER 1 MONTH *AGO*. 

AND, I AM, ALSO-*DISPUTING* THE CHARGE OF {$19000.00} * XXXX ** in XXXX I was under a loan Modification and on trial payments : XX/XX/XXXX Amount- {$800.00} PAYMENT- plus All other Trial payments /Prior *where not applied correctly and/or Never Applied at All / these amounts " sat in ( unapplied balance ), and last " Principal Balance in XX/XX/XXXX was {$160000.00} And on XX/XX/XXXX Principal Balance JUMPED to {$180000.00} JPCHASE ADDED as- " loan maintenance fee '' of $ XXXX I Dispute- These Charges.. I - do Not have ANY Billings or Documentations of " Charges '' and " Credits are Not being Applied Correctly/and/or Not At ALL, and I am Not Receiving INFORMATION REQUESTED AS SUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a payment of {$4200.00} to CapitalOne to pay off my charge card nearly 3 months ago. CapitalOne can not find the check in their system. However, I have confirmed with my bank that CapitalOne cashed the check. I have called nearly every day for the past many months and get no where closer to a resolution. The issuing bank gave me a " affidavit of forgery '' document which they need CapitalOne to complete. The issuing bank can not proceed with its investigation until this document is completed by CapitalOne. CapitalOne refuses to complete this document. In the meantime, my credit is destroyed and I am out {$4200.00}. No one will help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received an alert stating that a collection ( Fair Collections and Outsourcing ) was placed on my credit profile with Experian.I contacted Experian about said debt and from there I disputed the collection. The collection came back as verified by Experian. I called Experian several times after seeking information but none avail. I began to do my own investigation and from there I discovered that the " collection '' is a civil judgement. I went to the 61st district court in person and spoke with a clerk, whom advised me that no one ( Experian nor any other 3rd party agencies ) has been in to verify any information on the civil judgement. Also upon speaking with the clerk I learned that the information Experian is reporting is not the same as the civil judgement. The civil judgement is for {$2300.00} which is what the 61st district court has. Experian has the collection ( civil judgement ) reporting as {$3800.00}. The dates aren't the same either. This all violates my rights pertaining to Fair Debt Collections Practices Act. Also, Experian has violated the laws set forth on how civil judgements are reported on credit profiles. NO classification code was added! Experian has NOT reported a full file monthly! Experian has NOT included a name, address, social security number, date of birth to said collection. Experian nor any other 3rd party agency has continually verified the information by making courthouse visits at least every 90 days!

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 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/17 my husband and I went to our local bank of america in XXXX XXXX, Fl to open up a joint checking account. During our meeting with the representative, she asked us if we would like to apply for a credit card and we declined. We opened up our joint checking account and left. 

Today, I printed my credit report and I saw an unauthorized credit card opened up in my name on XX/XX/17 for the amount of {$500.00}. The card was closed the next day on XX/XX/17 but now I have a low limit credit card and inquiry on my report which is hurting my score!

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 2019-02-25 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: FL

Complaint narrative:
I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a collection for XXXX in the amount of {$190.00} that I do not owe because they have failed to validate it per the FDCPA. I have disputed it so many times nad nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Mortgage with CitiMortgage. It is for a condo in XXXX XXXX XXXX, SC. I have had this Mortgage for 12 years. This condo requires Flood Insurance. The condo association is required to provide Flood Ins. Citibank and the insurance company communicate every year to confirm. This year they did not communicate. Citibank purchased Flood insurance for the unit in addition to the normal Flood Insurance I get through the association. They added an escrow to my account. Thats when I had to get involved. I connected with the Insurance group at Citibank. They provide an online portal to up load documents. I provided the information via the upload site. Citibank never received. Today, Citibank admitted that the site sometimes does not work. If you try to upload the same document twice, it will say it uploaded successfully, when it does not. Normally, I do not have to get involved at this level. We did not pay the escrow, and Citibank put a credit alert to my credit bureau that I had missed a payment. This was incorrect, we have paid every month on time. I am not sure if this practice is legal or ethical. Citibank is does care, and is requesting more fees and escrow payments even when they have proof of insurance.

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 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX2018 my husband and I purchased a home ( XXXX XXXX XXXX XXXX MI XXXX ) at closing the title company, XXXX XXXX XXXX, held {$3200.00} for the upcoming summer taxes that were due on the property after closing. XXXX XXXX received the bill and paid {$2100.00} and refunded us the balance that they held for the taxes due. Then our mortgage company, XXXX XXXX, also paid the city tax bill for {$2100.00} on XX/XX/XXXX2018. The City of XXXX received the 2nd check from XXXX XXXX for the taxes and refunded the money to a 3rd Party Service, XXXX XXXX ( check # XXXX on XXXX XXXX,2018 ). XXXX sent the refund check to Seterus Mortgage onXX/XX/XXXX2018.  Seterus Mortgage credited the refund tax payment that my mortgage company XXXX XXXX  paid on my belhalf to loan number XXXX  and sent a refund check, this account belongs to the previous owner XXXX XXXX, who did not own the property when any of the checks were submitted on our behalf for the City taxes due. All money was paid from XXXX  & XXXX XXXX and was not refunded to us as should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Resource Systems, Inc
State: MI

Complaint narrative:
Collection company refused to verify their authority to collect on a false debt created by ex employer, which has nothing to do with extension of credit or my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Good Day, I am providing the email I sent the Servicer LoanCare this morning when I realized two of the 4 payments I made were returned. I was one payment away from being current. 

XX/XX/XXXX Loan Care Attn : Customer Support XXXX XXXX  XXXX XXXX  XXXX, VA XXXX I am writing as I just logged into my banking account and noticed that I remitted two payments to LoanCare on XX/XX/XXXX and XX/XX/XXXX each totaling {$2800.00} and just realized they were returned. I just called the toll free number of XXXX. Below you will see the payments I made which were to correspond with the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The lady on the telephone in your collections department indicated the payments were returned as they wanted all 5 payments. 

As you can see below I made 4 payments which would have made XX/XX/XXXX as being the only outstanding payment and putting me closer to current so I could get back on track. 

All this has done is set me up for failure. She wold me I had to email in order to get this researched. I am going to send a notice to the Consumer Financial Protection Bureau as well as I believe it has been mishandled I have attached the screen shot from the bank showing electronic payments processed and my XX/XX/XXXX bank statement showing the withdrawals on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thank you

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