vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In addition to Numerous calls i received etc there was a notice taped to the front door of my home this morning that demands i contact Nationstar mortgage dba Mr cooper immediately. No return address from whom came onto my property and attached a notice to my door and it was brought to my attention by a neighbor who thought it was a summons to court. Im frustrated with this cause i have been in constant contact with this company since inception and it really appears that they are maliciously attacking me. I have a gross income of XXXX when i applied initially for the fourth attempt at a modification now i make even more income and i stull cant afford to pay them back????? During modification I told them that the XXXX of child support wasn't being paid and that XXXX in utilities is subsidized from the church etc so I've ALWAYS have had more than reasonable enough income to pay them responsibly but its always a different tactic and i didn't appreciate this notice from a person or company that wont identify themselves but now how to get in contact with me and leave threatening propaganda from their boss. I want to know why they got a unknown third party to put something on my door they already assigned my information to their attorney referral service so to go to this unscrupulous third party is unfathomable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: AES/PHEAA
State: OH

Complaint narrative:
I received notice to recertify my IDR plan on XX/XX/XXXX. My account has been on deferment for the past 2 years because of high repayment amounts. On XX/XX/XXXX I received notice of denial for my request for lower payments as my account had not entered repayment status as my deferment was not set to end until XX/XX/XXXX. I was told to resubmit the application which I did in XX/XX/XXXX. On XX/XX/XXXX, ( yes, 2 months later! ) I received another denial for my request for lower payments because I marked one box wrong on the application. I was again told to resubmit my application which I did immediately. I also had to apply for a forbearance because FedLoan sent me a bill for a standard repayment of almost {$600.00} due the beginning of XX/XX/XXXX, so I was granted a one month forbearance. In late XX/XX/XXXX, my application that I resubmitted on XX/XX/XXXX had still not been reviewed and I received yet another standard repayment bill due beginning of XX/XX/XXXX. I called FedLoan on  XX/XX/XXXX and was informed that they did not know why it was taking so long to review my application but that they would apply another forbearance until XX/XX/XXXX. On XX/XX/XXXX I received yet another denial for my application for request for lower payments because my account has not entered repayment! I am so sick of this back and forth! All I want to do is have my application reviewed and approved in a timely manner so that I do not have to keep requesting forbearance which then automatically denies my application since my account is not in repayment! This leads to me having to do the whole application process all over again! And for what reason! I am not at fault here! I do not understand why this company takes up to 2 months to review an IDR application! That is ridiculous and affects the consumers in a severely negative way! I have no idea what to do here but I need help to get this situation resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
About 4 month ago I started searching for a house to buy so I started paying attention to my credit score and looking into what was keeping it down. I found out I had a credit card open with CitiCard and that they had been charging me {$25.00} every month since XXXX. As soon as I found out I called them to get this resolved. I was bounced around from person to person for a month until I got in touch with someone who could help me. They told me my card still had a balance of {$250.00}, when I asked why I was being charge the {$25.00} fee they said this was the minimum payment. In 8 years, I had paid over {$2500.00} in fees, 10x the balance on my account. I asked them to remove the balance since I had more than paid for it already, they said no. I asked if they could at least stop the fees and I would call back to pay the balance, since their payment department was closed, the representative said they would stop the fees. A week later I noticed my credit score drop by 50 points with the reason that my account with CitiCard had been closed. I was never told that they were going to stop the fee by closing my account. WITH SUCH A LARGE DROP I COULD NO LONGER BUY A HOUSE. After trying, for another month, to get in touch with someone that could help me. I spoke with another representative of the company that told me they would launch an investigation into why my account was closed, re-open my account and help me fix the credit score error, but it would take a month. I waited a month for them to get back to me and when they did no explanation was offered and they did not help me with any of the other issues. As this is all happening my credit score kept going down. I found out today, XX/XX/XXXX, after seeing my credit score drop another 30 points, that they had replace my {$25.00} fee with a {$30.00} late fee instead. The {$250.00} had increased to  {$340.00}. I was never told any of this. I haven't used this card since XXXX when I was in college, I didn't even know it existed and it has become a nightmare. My credit score was XXXX now it's at XXXX. This company has taken away the ability for me to afford a home because of {$250.00} balance that I have paid over {$2500.00} for.

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 2020-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a Platinum Checking and Money Market account with BMO Harris Bank ( Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) ( Phone : ( XXXX ) XXXX ) on XX/XX/2019. I completed the requirements of the ongoing promotion which said - 1. Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days a. Have a total of at least {$6000.00} in qualifying direct deposits. 
b. Enroll in BMO Digital Banking and set up paperless statements.

c. Make at least 10 qualifying electronic transactions.

2. Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

3. Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account While I got {$400.00} for the checking account but I did not get the promo money {$300.00} for point 2 ( Platinum Money market ) and point 3 above. When I enquired I got to know the banker applied promotion only for the Checking account and forgot to apply promotion for the Platinum Money Market account. Subsequently I had several communications ( telephonic and personal visit ) with the banker and the bran
ch manager at the branch. They agreed to their mistake and said besides me there were around 4 -5 more people affected.
They wrote to higher ups and are still awaiting an approval for manual payout since the promotion period had ended.

I also followed with online BMO customer care and they too accepted the mistake and regretted it. But told me that only the Branch where I opened the bank account can rectify the mistake and release the pending {$300.00} promotion amount.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group
State: LA

Complaint narrative:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
On XX/XX/2020, I had been contacted by a company called Phoenix Financial Services LLC whom informed me that they bought my debt from XXXX XXXX XXXX XXXX XXXX. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked Phoenix Financial Services LLC. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Aadvantage CC from Citibank for which we pay {$450.00} annually for family. I reported to them before going on international vacation. While on vacation I noticed fraudulent charges on sons credit card account in XXXX Florida, which I reported promptly while on vacation and international call ( around XX/XX/XXXX ). Upon coming back from vacation ( XX/XX/XXXX ) I called and no action or credits were given. I reported the charges again and was told to wait. No written communication was sent all along. Called again today XX/XX/XXXX and staff at Citi has no information to give and dont show the credits. They are ready to close my account but will not share any info. I am told to contact security team on weekdays. Citi has email for security team or senior mgmt to report the issue - not sure what they record in the system ... .very frustrated with them and want to report their careless attitude towards customers with fraud charges on the account which they should have caught especially when vacation was reported to them in advance.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX the following accounts were Deleted off my credit report from Experian Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

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 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
The orginal creditor was XXXX  XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX  customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. 

As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your 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 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
On XX/XX/2020, I had been contacted by a company called XXXX XXXX XXXX XXXX whom informed me that they bought my debt from Pendrick Capital Partners II LLC. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked XXXX XXXX XXXX XXXX. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.

Company response to consumer: Closed with explanation