vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
We called this company ( they said their name was XXXX, I'am not sure that is spelled correctly ) - We gave them our name and said the debt is " not ours, & that person does not live here!!! XXXX. - They still keep calling & leave messages on our answering machine. 
We have had enough!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX, a XXXX, and trying to move forward with the PSLF ( Public Service Loan Forgiveness program ). My loan has been bounced around from one loan holder to the next since I graduated in XX/XX/XXXX. While I have been on the required income contingent repayment plan and have not missed a payment since graduation, neither my current loan holder MOHELA, nor the Federal Student Aid Student Loan Support Center ( nor the US Department of Education ) have a record of the total number of months of my repayment. Because a new company ( MOHELA ) currently holds my loan, past companies who have held my loan no longer carry record of my months of repayment either. Due to lack of transparency in the sale of my loan from one company to the next, there is no way for me to verify my months of repayment for the Public Service Loan Forgiveness program -- this means that I may be paying unnecessary and excess interest on my loans for having tried to participate in the PSLF program since graduation in XX/XX/XXXX. 
I have contacted MOHELA several times looking for records. The last date ( and only one I have clearly documented ) is XX/XX/XXXX. 
I have contacted the Federal Student Aid Student Loan Support Center : the last date is XX/XX/XXXX. 
I have contacted the US Department of Education : the last date is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I was contacted by the " XXXX XXXX XXXX '', XXXX, good luck with that one. XXXX XXXX, XXXX XXXX, tx XXXX was what i was given, lol. I was told up front, apparently that was a lie. XXXX for the first three months, and XXXX dollars a month or less for ten years Since I 've worked in XXXX  XXXX for 11 years and based on my income, and thanks to Obama. No mention of futher monies. I tried contacting them during the first months or upfront pay period and nothing, no return calls only a voice mail. Thank you in advance for any and all help. XXXX XXXX, XXXX. Now they are texting demanding more money and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have tried numerous times to resolve this matter with Chase Bank. I have made at least 2 dozen  telephone calls ... .sent 2 different certified mail packages that included all documents in my defense ... I have gotten nothing but the run around ... .now my mortgage went to XXXX XXXX XXXX and they can not help me in any way find out information on these corporate advance charges ... .nothing but the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, This was be the second complaint I have regarding Citibank. 
First, I am in the process of purchasing a new home and getting a loan with a different lender and we are forced to get a high cost mortgage due to the fact that Citi could not provide a VOM showing 30, 60 or 90 days past dues. A lender we were trying to go through did a phone verification and the agent stated the account was 60 days past and it was not. I even called back a couple days later and was told that it was not 60 days past due at that time by a different agent. 
Now we are trying to get a payoff quote and they are making us wait 7-10 business days purely on the fact that our account is in the " bankruptcy dept ''. Our bankruptcy was nearly 10 years ago and we are being put off because of this. I even spoke to a supervisor who stated that if it were not in this department, we 'd have this information in 4 hours!!! This is unfair!! We need his information for our new lender to see a Closing Disclosure with our proceeds after sale. Our closing is to take place in 3 weeks. Our title company requested a payoff XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.

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 2017-09-25 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: FL

Complaint narrative:
XXXX XXXX Card Service # XXXX XX/XX/XXXX XXXX reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX.
XX/XX/XXXX XXXX sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with XXXX. 
XXXX continued to report the account as C/O thru XX/XX/XXXX. 
XXXX no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors. 
XXXX claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors. 
XXXX falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status. 
XXXX at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
XXXX continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to XXXX numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: HI

Complaint narrative:
Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.

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 2017-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I run a grocery store in XXXX XXXX XXXX, PA. Recently I had taken Western Union agency to provide money transfer services. 

On XXXX/XXXX/XXXX, Western Union withdrew {$1500.00} from my bank account though we did n't do any money transfer transactions. 

When I contacted WU, they found out that fraud has occurred and the money was taken. Since we did n't do any transaction, it appears that someone hacked into their system, made transactions on our name, for which we are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: MD

Complaint narrative:
Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts. 

I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim. 

See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ). 

Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.

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 2017-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.

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 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I called Bank of America today in regards to have them Remove two Negative remarks from my Credit Report. They told me that they could not accommodate my request because the reports are valid and must remain on my report. I explained why both the ref accounts were delinquent at the time the payments were made late. 
At that time ( XX/XX/XXXX of XX/XX/XXXX ), I had been advised by my XXXX XXXX XXXX when I retained them, ( XXXX XXXX XXXX  XXXX ), to Not Continue making payments to B.O.A., that they will handle things from that time forward.. Hence Bank of America placed the Negative reports.. To date, both accounts are caught up and both accounts have been paid on time with No Past Due amounts. 
Is there any possible way these negative remarks can be removed? 
Any help would be deeply appreciated.. Thank You _____________________________________________________________________ 1 ) XXXX - Bank of America - Acct # - XXXX Date Opened - XX/XX/XXXX Account Status Open Payment Status Current, was past due 90 days Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment {$34.00} Past Due Amount - XXXX Highest Balance {$6200.00} _____________________________________________________________________ 2 ) GOLD OPTION - Bank of America - Acct # - XXXX Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Credit Limit {$9700.00} Monthly Payment {$55.00} Past Due Amount - XXXX Highest Balance {$18000.00} Terms Revolving _____________________________________________________________________ Creditor Information - BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation