vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.

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 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: IL

Complaint narrative:
An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is past the statute and should NOT be listed on my personal credit file Experian XXXX XXXX XXXX # XXXX please remove

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 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

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 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wanted to report to the bank of  america  because without any reason and without prior notice they cancel the credit card, I complained and never received an answer and they were left with {$1100.00} rewards money won over 10 years.   I sent a letter with my lawyer, and they never gave a solution, what I can tell you is that I use my card in my company and that is why they got upset, but they want to win all the money, however they charge between 3 % And 5 % for  cash advance,  then what difference does it make that I lend my company money and that they tell you how you can use your credit card.   However they overdrawn my accounts a {$880000.00} and the other account at {$880000.00} and remained negative  XXXX  hours, when I claim never gave any answer because I overdrawn the accounts in more than a  XXXX  and a half dollars. Then canceled accounts, This is a clear outrage, and discrimination on the part of the b  ank of america when closing the accounts.
I denounce this outrage because I can not pay a lawyer, to initiate the demands that are necessary, I hope you punish these financiers who only think of them and not the customers.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I RECEIVED A LETTER FROM C APITAL ONE C C DATED  XX/XX/XXXX  ATTACHED TO THIS CASE. I DO NOT KNOW IF C APITAL ONE  NEEDS SOMEBODY ELSE TO REVIEW THIS CASE OR SOMEBODY WITH KNOWLEDGE IN REGARDS TO THE DISPUTE. I HAVE CALLED  CAPITAL ONE  CC AND EXPLAINED IN DETAILS.   I NEVER HAVE DISPUTED AGAINST CC #  XXXX , THAT CARDS IS 100 % CORRECT AND FINE. THEY FINALLY REPORTED THE CORRECT BALANCE ON {$0.00} OWNED.   NOW  CAPITAL ONE  CC #  XXXX  --  XXXX  IS THE CARD I AM DISPUTED. AGAIN FOR THE  5TH  TIME SINCE  XXXX  &amp; gt ; THIS CARDS IS A DUPLICATE FROM THE ABOVE CC #  XXXX . &amp; gt ; IT WAS A  XFER CARD FROM ONE CA RD # TO ANOTHER #!!!!!!!! I HAVE ATTRACTED AGAIN THE CC REPORT SO THEY CAN REVIEW THIS WITH THEIR OWN EYES!!!!!   OVERALL I ONLY HAV E 1 AND ONLY 1 CARD WITH CAPITAL ONE O PEN   XXXX   WITH A LIMITED OF {$8500.00} AND BALANCE OF {$0.00}.   SO PLEASE FOR TH E 5TH T IME TAKE CARE OF THIS OR I WILL BE CONTACTED MY CONGRESSMEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp.
State: LA

Complaint narrative:
I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I paid the {$120.00} because I received a statement. I was n't actually responsible for the debt because I had insurance. Now the company will not remove it from 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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: NC

Complaint narrative:
Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I leased a Ford vehicle from Ford Motors in XX/XX/XXXX. When my lease expired in XX/XX/XXXX, I had gone over the mileage by about XXXX miles. XXXX ( XXXX ) told me that if I came to their dealership and leased a XXXX ( two hours away from me ), they would do a buyout of the Ford vehicle which would also take care of the extra mileage charge from the Ford. I left the XXXX dealership with a new XXXX XXXX and left the Ford with them. A few months later, I received a statement from Ford but it went to my parents house in another city. They tossed it aside because they knew that I no longer owned a Ford. Finally, after getting a few of these statements, they found that Ford was saying I was delinquent with money owed to them and it was sent to a collections agency. I found out that the money I " owed '' was for going over the mileage with the Ford. I called XXXX while very upset and they assured me that they would take it up with XXXX and that I owed Ford NOTHING because they did a buy out which included that extra mileage. Nowadays, I consistently check my credit score on websites and the derogatory remark from Ford was gone - I thought everything had been taken care of. Today, I tried to get my first time home owner 's mortgage loan and was denied because of a derogatory remark from Ford Motors. This is apparently still on my credit report and I do not owe it. At this point, I do not know what else I can do to have Ford and XXXX correct their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has an item on my credit report from XXXX XXXX XXXX XXXX XXXXll XXXX from XXXX for XXXX dollars I disputed this item and it came back as verified. I asked Transunion to send me verification of this item within 15 days and they did not verify. Under the FCRA verification of item was supposed to be mailed to me. I want this item removed immediately. And legal counsel was obtained.

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 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX a direct debit was taken from my account for {$69.00} and evenly applied across loans I had already paid off. This brought me to a negative balance, over-paying for loans that were already at {$0.00} balances. I called to make a complaint on the phone but was not given an email confirmation or an exact date for reimbursement. I 'm unclear if errors like the below were made in other direct debit payments taken from my account. I would like a refund on this amount, and assurance this error was not made across the payments I 've been making for the last four years. Below is the list of loans the XX/XX/XXXX debit was applied to and the date the loans were paid off in full : XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off XX/XX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off on XXXX/XXXX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) Thank you very much, XXXX XXXX These loans are for the University XXXX XXXX XXXX XXXX I graduated in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
In  XXXX     2016,  I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in  XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help.    XXXX  Serviced by Nationstar Mortgage  LLC,  a subservicer for  XXXX   XXXX  Number  XXXX  Interest Bearing Principal Balance  XXXX  Interest Rate 3.750 % Escrow Balance  XXXX  Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year.   I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America was our mortgage holder and they were having legal trouble last year we received a notice from Bank of America taking money off of our mortgage principle in the amount of {$53000.00}. we then received a tax document and we were told by bank of America and our accountant that bank of America would assist in paying the tax on the {$53000.00}. when we went to bank of America to ask for assistance they said we did n't qualify. So we were stuck with an XXXX tax bill. At which time we lost our son to suicide we were struggling both emotionally and financially. We struggled along and in the fall we became behind on our mortgage. We then contacted Bank of America to ask for a modification on our mortgage they said they would send package out to us to fill out. Two weeks went by we had n't receive the package so we called back, again we were told they would send out a package we did finally receive the package after waiting for three weeks. we filled all the papers out sent it back and again waited to hear. After waiting for another two weeks we called Bank of America again we got we need more information we did this three more times now we are into our third month behind. They would not accept any partial payment. so we sent all information in to Bank of America and waited. another month goes by we call. they said they had n't made a decision yet. so we waited. and waited. After waiting for three months we still had no answer and now we are so far behind we were sick with worry on what was taking so long and how are we going to catch up. We called bank of America one last time they again told us they had not made a decision yet. Then two week later we received letter from XXXX saying we were in default of our mortgage and we needed to pay the back mortgage or we will loose our home. 
Bank of America put us off for months until their sale of our mortgage to another company so that we are now at a point that there is no way we can come up with the amount owed at one time.. So we now are scrambling on how to save our home. If they were just honest with us and worked with us. They made our bad situation a whole lot worse.. I know that Bank of America has done this to other people it does n't seem right that we loose our home because bank of America used sneaky tactics. Now we are so far behind and not sure if XXXX is going to work with us. we applied for a modification with XXXX and we are waiting to hear from 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 explanation