vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened my bank account in XXXX, I do remember. Back to XX/XX/2005 I guess. 
I recommend citi always. I do believe that your service is excellent so far. 
I still think you are the best till I received notice of account closing. 
Did not see that coming. Some warnings that caused I deposit and withdraw too many times with cash. I explained I earned and played XXXX. 
I also got money from my home town, XXXX XXXX. They wired money since I was a student in XX/XX/2005. Anyway citi closed both my checking and saving account. I accept that. But citi force to close my credit cards too. Did not even get a cashback 2 % for this month. No one explains clearly. 
Caller told me that I need to write down a letter. So I decided to write a letter. 
No one told me that I cant do lots of transactions because of I do have personal account. One of Branch managers told me that citi think that I do business with my personal account but I did not. Without warning or reasonable explain they just closed now. Now they tried to close my credit cards too. They never recommend me to open business banking account or explain I cant have many transactions with personal account. This is ridiculous and absurd. More disappointed than angry. I did not even hear answer for that whether I can open my account for the future. No one can explain anything. I did not anything wrong.

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 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX, and XXXX  that a new collection was placed on my credit report. I have reviewed the information the collection account does not belong to me. They have damaged my credit with this incorrect information and I have yet to receive a response from them validating the account. What Methods of validation did XXXX and XXXX  use? I'm seeking this account gets removed from my credit report and cease all credit bureau reporting until they are able to " validate '' the account by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Verisk Analytics Inc
State: AL

Complaint narrative:
Below is a verbatim copy of the instructions on the Verisk Analytics A-PLUS web site on how to obtain a free yearly copy their insurance reporting file. Web address : https : //www.verisk.com/XXXX " To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at XXXX. The A-PLUS Consumer Report Request Line is available Monday through Friday from XXXX XXXX to XXXX XXXX, Eastern time. '' When you call XXXX at XXXX XXXX   Eastern time you get a recording stating that their business opens at XXXX XXXX Eastern Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This is in regards to the student loan company Navient. 

On XX/XX/2018 I directed an overpayment on my smart option student loan in the amount of {$1200.00} using my one and only bank account set up with Navient. On XX/XX/2018 I received a letter from Navient stating that the payment was rejected by the bank because the account is closed, resulting in my loan not being paid off and an additional {$20.00} return check charge. On XX/XX/2018 I called Navient and spoke to a customer service representative with employee ID : XXXX and Supervisor with employee ID : XXXX. Both employees would not give me any further information on this mysterious closed account other than the last four of the account number ; which was different from my bank account number that is set up online. They told me when I made the payment on XX/XX/2018 that I had to manually enter in my bank account information when I did the " Direct an Overpayment '' ; which is FALSE and INCORRECT. ( see attached picture ). My one and only bank  account was already listed and available to use to pay off the loan. Never did I have to enter in ANY bank account information and NEVER have I ever used another bank account to make payments with Navient online. I only have ONE bank account to my name. So I do not understand where this mysterious closed bank account came into play. I was told that Navient customer support has no control over Navient online and that I basically had to get over it. At this time, I made a payment for {$1200.00} over the phone with the supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX ; I moved in 2016 to my new address. Synchrony Bank were sending out my credit card information to my old address of XXXX XXXX XXXX XXXX, XXXX Arkansas ; after I had reported my new address to them. Someone or businesses stole my identity at this old address, through email or etc. I was viewing my credit card statements, and have been continuing to pay these fraudulent charges on credit cards that I never made. I have been in the hospital fighting Triple Negative XXXX XXXX for the past few years.After viewing my mail, card security had paid off my credit cards statements due to XXXX. I should have a zero balance after my cards were paid through card security/ Synchrony Bank . I havent made a purchase on cards in several years. The fraudulent cards includes, XXXX, last XXXX digits ( XXXX ) XXXX, last XXXX digits ( XXXX ) XXXX XXXX XXXX last XXXX digits- ( XXXX ) XXXX  last XXXX ( XXXX ) XXXX XXXX master card, last XXXX digits ( XXXX ) - I reported this card opening in my name as fraudulent. XXXX last XXXX XXXX : I didnt authorize anyone to use these cards after they were paid to a zero balance. Its totally not fair to me to keep making payments on these cards. Im not sure if my card ( s ) information were stolen online, in store, or old address. I have been reporting these cards as stolen through credit bureaus but Synchrony Bank refused to investigate these following cards as fraudulent. I however since fraudulent charges were made on my cards refused to keep on paying for something I never used.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Within the last year, I receive on a daily basis and average of XXXX - XXXX Citibank pre - approved cards or Upgrades. I have a Best Buy card that is through Citibank. 

And althought Im very happy with the card, Im dissappointed with the non stop marketing and promotion that floods my mail box. 

Citibank, continued PRESSURE '' to have me extend my credit is not only Exhausting But at this point has become HARASSMENT. 

Just because I hold a BestBuy card doesnt give Citibank that right to continuesly go in and out of my credit report. My Card balance and payments are up to date. And that should be their only concern. 
Not to push me into further debt, and Obligation that can surely become a problem for me in the future. 

Im concerned that the daily Harassment from Citibank pre approved credit cards and extended credit COULD have created the problem of Theif that has been reported to the Credit reporting agencies. 

I have made numerous complaints to XXXX, about my mail being stolen in the past. The issue still to today hasnt been corrected or resolved. Although I have sent to the 3 credit reporting agencies police repots and Investigations along with document from XXXX XXXX XXXX confirming that there was actual a crime committed. My credit information is still made available without my consent. 

Id like Citibank to opt me out of all marketing and promotion, that I havent applied for, Citibank may have contributed to the thief in my account from the past. Since they are sending so many pre approved application to me, and my mail continues to be stolen and XXXX has done nothing about it. Citibank continues to put my personal information and finical security at risk. 

The only solution here is to STOP, all Promotions and Marketing to me. I have opt-out from this from all Credit reporting agencies over a year ago. Yet Nothing is being done to protect my Personal and Finical Information from these institutes. 

I shouldnt have to opt out of this Marketing as listed on the application enclosed from Citibank by calling XXXX by me calling this number it will enable the answering service to capture my phone number, and then I will start to receive unwanted phone calls from TeleMarketers. 

It seems like a waste of time to opt out of mail marketing to sign up for Phone Telemarketing which is what will be created. 

Im asking Citibank to Please Opt me out of all Marketing and Promotions that THEY have Opted me into. And to Stop Created a problem that has caused a CRIME TO BE COMMITTED on my credit report as VERIFIED by the Police Department 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 non-monetary relief
Consumer complaint received 2018-07-26 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 called Equifax to dispute a collection account on my report that was being reported with no name or contact info for the credit. Equifax gave me the missing info and I filed a dispute as I do not have any outstanding bills with this company ( Credit Bureau Services, XXXX XXXX, CA ). I also called XXXX and they are out of business. The dispute came back that the debt was verified. How could Equifax verify the information if the company is out of business? I want Equifax to delete the erroneous information and stop lying to consumers are bout verifying information when THEY DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A violation of fair debt collection practices Act of an alleged debt owe. Portfolio Recovery Association XXXX XXXX XXXX. Had a judgement for the total amount of XXXX. And took money from Michigan tax return for the amount of {$470.00} for the tax return of XXXX. 
Then on XX/XX/XXXX took money from a XXXX bank  account in the amount of {$570.00} As well as of XX/XX/XXXX cashed a {$2000.00} money order. 
As well as took money from a XXXX bank account XX/XX/XXXX in the amount of {$670.00}. XXXX Also took {$41.00} from XXXX bank account Exceeding the amount of {$2700.00} This business practice is unlawful and unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Sunrise Collection Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, XXXX XXXX XXXX was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.

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 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I filed a complaint with you that case number is XXXX, in which it was closed and Specialized Loan Servicing ( SLS ) responded by stating that they were going to be issuing 3 seperate checks in the following amounts : {$920.00}, {$230.00} and {$870.00}. 

They sent the check for {$920.00} but they made it out to XXXX XXXX and XXXX XXXX, which could not be deposited to the bank because XXXX XXXX passed away on XX/XX/2018. I called SLS and was told that they made a mistake and should of made the check payable to XXXX XXXX and the Estate of XXXX XXXX. This check was sent to us on XX/XX/XXXX and SLS said it would take XXXX days. I keep calling to ask about the checks and they say they will send in a report, but that does not help. It has been XXXX weeks and still to repayment. I have also asked about the other two check and when I ask they say they do not know anything out that. But that is what they said in the final report to my complaint.

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 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened them.

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 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I rented a vacation rental for 3 days ( XX/XX/XXXX ) on XX/XX/XXXX from someone on XXXX. I signed a contract and paid through PayPal. When I showed up to the property on XX/XX/2018, the person I was in contact with never showed up. I came to find out by a neighbor that the property was not owned by the person who I had a contract and paid, nor was it a rental property. I went to the local police station and filed a police report. 

After that I contacted PayPal to put a dispute in since I paid through there. I was told it would take 10 days. Within the 10 days I went into my PayPal account and noticed there were no open cases, so I contacted them. I was told that the person I spoke to on XX/XX/XXXX was incorrect and I didn't have a case since I paid " Friends & Family ''. Apparently there is no insurance when paid this way, hence the reason why I was instructed to do so, I didn't know otherwise since I don't use PayPal too often. I was then instructed to contact my financial institution since the funds came from my checking account. I filed a dispute through my bank, which was denied. I spoke to a supervisor with XXXX who was going to try and contact PayPal. After a week, I was notified by the supervisor that they were not able to get anywhere with PayPal. 

I do want to note that I did try to contact the person who set up the fraud with the two email addresses I had ( XXXX and XXXX ). I also attempted to contact the person through the initial XXXX ad, but it had since been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a pre authorized credit from Capitol One in the mail. To boost my credit score I decided that I would apply XX/XX/18. However, I received an email on XX/XX/18 requesting for me to SEND a COPY of my SS CARD via email, fax, or mail. I do not feel these are safe methods to protect the consumer. Anyone can make a simple error in an email or fax and it goes to the wrong person. Anyone can open someone's mail as this has happened before. I have been a victim of FRAUD in the past and this process scares me. 

The supervisor stated Federal Law requires this. However, were does Federal Law protect us when applications are online and that there is NO safe way to provide the information they are requesting us to send. 

I have no problem providing proof of address through these methods, but effeminately NOT my SS CARD. 

I have spoken to a supervisor XXXX at Capitol One and said that the Federal Government requires that they get this information. I do understand regulations but then there needs to be options to go to a local Capitol One Bank and Present for Visual Verification of the information and that person from the bank can then mark on the application that they verified the information. NO copies should be made to be faxed. 

Not once did say they a had any secured way to provide this information. 

This has lowered my credit score by XXXX points!!!! I am trying to improve it not destroy it.!!! 

Thank You for your time. 

XXXX XXXX VERY CONCERNED CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I had first forensic DNA when no any one forensic DNA agency in XXXX, had training subject matter form XXXX XXXX XXXX XXXX. 
As Development nation XXXX Police and Army personnel unskilled in nature about Constitutional Rights and procedure amone civilian, it first disconnecting internet since XX/XX/XXXX to XX/XX/XXXX for their preference web I may permitted about it it several complain submitted ic3.gov no result. 
I had also A commitment between me and United States of America fund and technology but gangs blocking all rights inhere in XXXX, succession property interest with others income. 
Financial criminals unlawfully obtaining my property using several ways and I have received one email from USAA for E-Payment at my another email is XXXX at Sun XX/XX/XXXX, XXXX XXXX, i had tried to contact but sender was false, sender email ( XXXX ). 
to day XX/XX/XXXX I have participated online registration with https : //www.usaa.comXXXX and this agency get my all confidential data are date of birth, passport number all accurate but after completion web site replied false " We're unable to complete your request online. '' This type of Online Banking or Institution unlawfully transaction beneficiary property and as I am foreign person I am serious victimized against this powerful gang. 
Requesting investigation and action appropriate according to International law related analysis it corruption and Official Bribery and according to Statute of International Criminals Court it is International Humanitarian law violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation