vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 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: SC

Complaint narrative:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company PROFESSIONAL DEBT MEDIATION to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XXXX XXXX, 2017, has not provided any response in over 30 days. An unverified debt that PDM has on file containing unconfirmed information associated with the consumer. The information PDM is reporting is therefore Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}.

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts. 
In XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining more than a 2.1 loan to value. 
I completely paid off this BOA account, wanted to retain this account to use, when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
In XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, my credit was good enough to have qualified for an FHA loan. 
Directly after pay off, in XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.

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 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NC

Complaint narrative:
I pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.

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 2017-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX XXXX XXXX Citibank issued and on XXXX XXXX XXXX charged me four billing charges that I never requested without no cards given to me. 

XXXX XXXX excludes all dates of transactions in all Citibank monthly Easy pay transaction Reports since XXXX through XXXX period eliminating contents of credit and payment history that I paid as a borrower causing potential loss on my side during that period. 

Citibank paid unauthorized charges for a period of more than five years under one bill service program though I had instructed Citibank to stop payment and discontinue the one bill service Citibank applied late fees and interest and other charges to my monthly billing statement for repayment for a period I filed a complaint for resolution to the above violation of law. 

Citibank on XXXX XXXX XXXX illegally withdrew my fund in my saving and investment account in Citibank from an electronic transaction for a reason that they claim I have late payment that is more than 30 days during the time I file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I believe that my loan servicer ( currently XXXX, previously XXXX and its predeccessor ) was negligent in informing me of details of the Public Servant Loan Forgiveness program ( PSLF ). When I initially joined the program, I believed that all my loans had been consolidated ( a requirement of PSLF eligibility ). I found out months later that the large majority of my federal loans ( about {$30000.00} out of about {$50000.00} ) were not consolidated, and I do not know why. I consolidated them last summer, but that {$30000.00} will not be eligible for forgiveness until XXXX XXXX, while the loans I first consolidated will be eligible in XXXX XXXX. Im now stuck making payments for more than a year and a half longer than I ought to be. My total loan balance ( federal and private ) is roughly {$100000.00}, so this is no small matter. On top of that, I believe that the servicer should have been more proactive about informing borrowers of the PSLF. I have been with the same PSLF-eligible employer since XXXX, but I did not become aware of the program until XXXX. I could be less than five years away from having my federal loans forgiven ; instead, the majority will not be forgiven for more than eight years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: IL

Complaint narrative:
- I bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/XXXX after multiple calls from me to XXXX. 

- Since the refund was not reflected on my Citi Bank credit card, I asked Citi to check and they see no refund, while XXXX kept confirming they refunded already.

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 2017-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: Fay Servicing, LLC
State: DC

Complaint narrative:
I have tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: NE

Complaint narrative:
I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on 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 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company attempted to sue me without providing proper validation for a debt they claimed I owed to another company. I went to court and there was a judgement filed. The judgement was was Dismissed with Prejudice and I want it removed from my Credit reports as a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Unfortunately, none of the boxes on the previous page matched my particular situation. Here it is : In XXXX of XXXX I bought my first home. I did my due diligence during the home purchase and hired all of the required " professionals '' throughout the process including an inspector, appraiser, and title company. I also looked up the home on the county tax assessor website to ensure that the local government had the home listed in its current state. Nonetheless, shortly after purchasing the home I received a violation from the city stating that my house was in violation as there was an " illegal unit. '' Now the city is telling me that a large portion of my home was built without permits and is therefore illegal. Furthermore, that I must bring it up to code or tear it down which would turn my 5 bedroom 2 bath home into a 2/1 and would financially ruin me. 

I have been working to resolve this situation but simply can not afford to do so. What 's more, I find it difficult to comprehend how a consumer like myself can be legally responsible despite having gone through all of the appropriate steps in the home buying process including going through an FHA approved lender and utilizing an FHA approved appraiser. 

I am a public school teacher and this situation has the potential to financially devastate me due to no fault of my own as a consumer. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: NM

Complaint narrative:
I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. 

AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.

Company response to consumer: Closed with explanation