vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX NJ XXXX XXXX Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. 

I was unemployment, divorced and subsequently developed a XXXX. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and concern. No incite or offer to apply for hardship was suggested, As a result my account accrued have many late charges and an extreme increase in interest rates, subsequently the balance is still close to the starting amount of {$7000.00} from this cards inception. 

I called customer service on XX/XX/2016 to obtain more detailed explanation for the unchanged balance. I explained that I could not see history outside of a few months on the website and I asked for the history of payment and interest charges increase dates and amounts. The associates XXXX stated that she could not provide that information and that she could send me old statements from 2 years back. When I asked to speak with a manager who could assist me I was transferred to representative XXXX who rebuttable and told me that he would transfer me to counseling and he abruptly hung up on. I called back again and got corporate on the phone and was finally provided with an address to submit this grievance. 

As I queried for resolution of this problem, I was transferred to the associate XXXX who told me that high balance is interest charges stemming from unpaid Timely promotional balances. In addition Home Depot has increased monthly payments roughly to about {$420.00} a month this payment is only applied to these interest charges. Interest is roughly about $ XXXX monthly with an interest rate increased to over 25 %. The interest rate is not on my statement I had to ask what the interest rate has increased to. This card has been frequently accruing late charges because of remaining inability to pay the high payment. 

I am requesting that Home Depot apply all interest payments made on this account to the principal amount left on the Credit card. Then return the interest rate to the original rate in addition, I am request that all the late charges be returned and applied to the principal balance amount. 

Sincerely XXXX Account # 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 monetary relief
Consumer complaint received 2016-11-16 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: NAM National Arbitration and Mediation
State: NY

Complaint narrative:
I received a call from a process server to call a XXXX number due to small claim matter called and was advised for a bill from 2010 asked for copy of statement never received. Got anothet call 2 weeks later regarding debt and advised same thing they faxed me a statement saying adr group is who i owe asked for validation They informed me they would see me in court.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mutual Financial Partners
State: TX

Complaint narrative:
Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Alessi & Koenig, LLC
State: AZ

Complaint narrative:
In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. 
I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration
State: CA

Complaint narrative:
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from Weiss XXXX claiming to have a lawsuit pending from XXXX that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
There was an unauthorized charge on our credit card XX/XX/XXXX for {$380.00} from XXXX XXXX XXXX ( XXXX MO ). We requested credit card co.to dispute the charge. It was denied because credit card co. received a ( false ) reply from XXXX XXXX XXXX. We tried to contact XXXX ( owner - XXXX XXXX XXXX ) via phone, email, mail, and fax. We never got a response and phone # was out of service ( since XX/XX/XXXX ). Credit Card company made contact with XXXX XXXX but would not reveal to us how. The fax # for XXXX would not work when we tried it. Her written reply that was sent to the credit card co. was that she had contacted us at XXXX on XX/XX/XXXX and we had authorized that XXXX charge. That was a false statement! We never spoke with them or gave them authorization for that charge which was beyond the 2-year verbal agreement made XX/XX/XXXX-XX/XX/XXXX for 4 payments. That XX/XX/XXXX charge was the XXXX payment. It was not authorized. Other local companies had the same issue with XXXX XXXX XXXX and their credit card company refused the charges for their account holders. The credit card company now tells us that after 50 days they will not reverse that charge. When we received the credit card company 's notice of denial of the dispute, it was already over 60 days then.

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The reason why I am disputing this matter is because there is inaccurate information on my credit report. The information that is inaccurate is a late payment against me from Kohl 's department store. I contacted Kohl 's department stores regarding this matter and they agreed and removed the late payment on my charge card, unfortunately it was not removed on my credit report. I contacted XXXX and it has been 30 days and the dispute is still open and unresolved. This matter is affecting me because I am in the process of buying a house and the bank needs to see a resolution on this matter or I will be denied a mortgage. Please look into this matter and contact me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Credit Card Ending in XXXX XXXX Office of the President XXXX XXXX XXXX, North Dakota, XXXX Dear Sir or Madam : I am writing to dispute fraudulent credit charges on my account on the date of XX/XX/2017 and XX/XX/2017. The amount is inaccurate because I did not authorize or make any of the credit card A.T.M. withdrawals on XX/XX/2017 and XX/XX/2017. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Of greatest concern are the following issues : 1. I received four letters declining my fraud report before I received a letter asking for a written statement. 
2. The credit card representative and fraud department could not explain the reasons for declination. One representative was confused over the acronyms used and could not explain what was happening with my account. Promises of return phone calls by XXXX did not happen. 
3. Three months went by before a fraud representative communicated that my actual debit card was used ( which is impossible since it was always in my possession in California ). Instead of investigating the situation, XXXX decided to instead decline the fraud and place the burden of proof on the consumer. 
Enclosed are copies of the fraudulent charges, information I used my debit card in XXXX XXXX on XX/XX/2017, letter my supervisor stating I was in XXXX XXXX California at work for the entire work day on XX/XX/2017 and XX/XX/2017, and a calendar of events supporting my position..

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 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: TX

Complaint narrative:
Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us. 

This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time. 

In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I had a XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, Experian and 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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: MT

Complaint narrative:
In XXXX 2013 I entered into an agreement to make monthly payments to P & B Capital for a debt from XXXX credit card that had been charged off on XXXX/XXXX/2013 in the amount of {$1600.00}. I was told by the collector that XXXX XXXX had purchased the charge off and sent the account to P & B Capital. My first payment began XXXX XXXX, 2013 in the amount of {$67.00}. My payment were monthly till XXXX of this year. I tried to contact the number I had written down when I entered the agreement in 2013, but was not able to reach anyone after I calculated I only had XXXX payment remaining. I received my first phone message to call the collection agency XXXX XXXX to discuss the missed payment. I called the collector on XXXX XXXX in the morning and was told that since I failed to make the final payment the agreement was now void and I owed {$600.00}. I was told by the collector that my payment had been returned. I told them I had not been notified by my bank there was a problem with the payment. I also communicated that no one contacted me to try to resolve the issue until now. After work on XXXX, I contacted my bank and was told that there was no attempt by P & B Capital to collect the final payment in XXXX. I feel that this is a " bait and switch '' tactic to collect more money from me. I called P & B and spoke with a floor manager after I called the bank and was told it was not returned by my bank, but by their system. I asked why they did not rerun the ACH since it was an error on their end. Was told company policy does not allow them to rerun if it was returned. Their policy is in place when there are insufficient funds as are majority of companies that run ACH transactions. This was not the issue, and I wondering if the transaction even was run at all since they knew it would be in default if the payment was missed. I asked them to work with the creditor who placed the debt to settle for the final last payment of the agreement, and I am waiting for a reply. However, I am under the impression that they will not agree after this mornings conversation they would only settle for half of the new debt amount. 
All I want resolved is my final payment to be taken in the amount of {$67.00} and for the debt to marked as paid. I refuse to pay more money to an agency who does not send out letters to collect and does not call. If they did call when I was at work they did not leave a message for me to call, so I have no idea if they did call or not.

Company response to consumer: Closed with explanation