vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have faced difficulties and obstacles as I approached the end of XXXX rehabilitation program. XXXX terminated my ability to pay online when only three payments remained. XXXX delayed and required impossible criteria to settle this debt. These practices promote financial hardship and prevent me from securing some of the benefits that are intended to ease the burden of financial difficulty. 

Fraud Civil Code 1572 ( 4 ), 1577 ( 1 ) XXXX altered the contract by changing the wording and dates without my knowledge. 

Defamation Fair Credit Reporting Act ( FCRA ) Accuracy of Report [ 15 U.S.C. 1681e ] ( b ),  Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ 15 U.S.C. 1681s-2 ] ( a ), 1 ( A ), ( B ) ( ii ), ( D ) XXXX XXXX XXXX XXXX XXXX XXXX, contracts with Navient, which XXXX is a subsidiary, is reporting false information to the consumer-reporting agencies, XXXX  and XXXX. This prevents my ability to improve my financial standing.

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 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had previously filed a CFPB Complaint No. XXXX, to which I have received NO RESPONSE from Citibank. 

In the interim, I received my XX/XX/XXXX Statement from Citibank that shows that on XX/XX/XXXX Citibank reversed the " provisional credit '' of {$930.00} that they had given me when I made the original dispute.

Even though the provisional credit was reversed on XX/XX/XXXX, Citibank waited an additional 17 days before sending me the Billing Resolution Dispute letter dated XX/XX/XXXX. I received and responded to their Billing Resolution Dispute letter on the same day, i.e., on XX/XX/XXXX, at which time I provided Citibank with DOCUMENTARY EVIDENCE, including the USPS Tracking record and Signature Receipt showing that the item was returned to, and accepted by, the " merchant ''.

Notwithstanding the fact that my email of XX/XX/XXXX to Citibank provided written proof that they improperly reversed the provisional credit, Citibank failed to reapply the credit prior to the closing date of my XX/XX/XXXX statement. Nevertheless, Citibank had no problem adding THIRTY-TWO charges to that Statement, ALL DATED AS OF XX/XX/XXXX, or thereafter.

Further, Citibank added a " Finance Charge '' of {$190.00} to my XX/XX/XXXX Statement, NOTWITHSTANDING THAT I PAY MY ACCOUNT, IN FULL, EACH MONTH, and notwithstanding that they failed to reapply the credit that I am owed. 

In view of the above, my XX/XX/XXXX Statement is OVERSTATED by {$1100.00}!!

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 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.

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 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The CFPB filed a Consent Order against XXXX XXXX in 2015 with some very stiff penalties, yet the CFPB allows those it penalizes to police themselves. XXXX XXXX has not and will not pay the full penalties that it should, nor will they ever admit to how many people they cheated by using false or robo-signed affidavits. 
I challenged Midland using this very complaint form late last year, and they decided " my case is not one considered eligible under the Consent Order ''. I objected to the use of robo-signed affidavits, bringing up the fact that several states had sued Midland over the use of these affidavits, and that Midland had even sent out affidavits signed by a woman that had been dead for several years. The judge in my case ruled in Midland 's favor because they had a spreadsheet with my name and a dollar amount on it.

When I filed a complaint here late last year Midland decided that they would remove any trace of the collection or judgment from my credit report. Would they have done this if they knew that they had a legal valid claim to this case? I think not. They most likely thought that I would be appeased by this. They were right. Until yesterday.

I received in the mail from Midland a form to fill out asking for all of my personal information including information about my spouse, place of employment and my work address and work phone number ( so that they can harass me at work and get me fired because they are keeping me from doing my job, there is a reason they are not allowed to contact you at work if asked not to ) so that they can see if I can pay the judgement they were awarded almost 5 years ago. Midland knows that they have no case against me, if I bring up the Consent Order. THEY KNOW THAT MORE CASES THAN THE ONES THEY TOLD THE CFPB ABOUT ARE ELIGIBLE FOR RESTITUTION!!!

Midland needs to make restitution eligible to all of those that fall into the categories penalized under the Consent Order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I owe debt but not to these companies, They scammed me into taking my account number and routing number for payment. They owe me money. 

XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
XXXX XXXX is not accepting my payments. They are trying to force to foreclose on the house. 
Here is the message from XXXX Dear XXXX XXXX : The payee returned the online bill payment described below : Payment to Rushmore Loan Management Service from account XXXX for {$10000.00}, to be delivered by XX/XX/2018 XXXX. 

If you'd like to continue making payments to this payee, please go to the Bill Payment section to make sure your payee and payment information is correct. Once you've made any necessary corrections, you can reschedule your payment. 

If you use personal financial management software, such as XXXX, please make sure the details for your payee and your payment are correct within the software. 

Have questions? We offer many answers, and other ways to reach us, at XXXX. 

Please do not reply to this automatically generated email. 

We know you have a choice of banks. Thanks for choosing ours. 

Sincerely, Online Banking Team Can you please help me out to solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp
State: PA

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX pa XXXX, XXXX. I had a third party call me asked me to consolidate my loan called equitable acceptance is the name of the company, so thought I was doing that but I was paying this compay out of my banking account for 8 months. I discovered when I called XXXX XXXX XXXX that this company was a fraid because the nice lady told me the XXXX XXXX XXXX don't ask to pay them to consolidate fed loans. I was upset because I've been paying equitable acceptance money that was applied to my fed loan. I'm asking to investigate this company so I can recieve all payments back to me. Another complaints is that I was trying to get my transcripts from the school department in XXXX, but there's transcripts available from XXXX XXXX for me. I needed the transcripts to continue my education. I've called the school department in XXXX and the school XXXX there's nn transcripts. My question to this complaint is how can I be paying a student loan and there's no transcript available for proof of my education? Without transcripts I feel my diploma my time I decatied going to XXXX was just a waste? If my diploma valid? I can't use XXXX on my resume knowing the truth about this school. Please help me to solve this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I went into bankruptcy in XX/XX/2017 to save my house from Flagstar Bank - I've been making on time payments and because of my error with choosing my medial insurance ( I am paying a lot of money out of pocket ) I was thrown off bankruptcy, but still making the payments, and actually I pay it the month before every 2 weeks. In XX/XX/XXXX through XX/XX/XXXX I received 3 separate packets that was the loan modifying paperwork and took them to the bank and had them notarized. The beginning of XX/XX/XXXX I received a check from on of my payments labeled miss-applied funds. No letter or detail of why I received, nothing but the check and when I checked my credit score they put the what I owed back on it no longer abiding with our terms.

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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/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 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.

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 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice

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 2018-04-10 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 — Investigation took more than 30 days
Company: WAFD BANK
State: CO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified inXX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet again XXXX reported late payments forXX/XX/XXXX and XX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CT

Complaint narrative:
I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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 2018-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.

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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. 

In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and XXXX.

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