vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want BBVA Compass to stop sending me credit card offers in the mail. BBVA Compass is a company with poor standards and practices that markets itself as a real bank. BBVA Compass sends me a ridiculous amount of fake offers in the mail and I don't want to receive anything from BBVA Compass regarding anything they have to offer. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, CA XXXX. I want BBVA Compass to remove me from any mailing list or consumer database they have or use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AES/PHEAA
State: ME

Complaint narrative:
XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have several citibank account and used their online banking and mobile app. One day, none of my logins work and I continuously get prompted to verify my identity. I contact them, wait a few hours with technical support, talk to 4 people and they can not figure out the problem, they suggest try again in a few days. 

I try again 5 days later and there are still no fixes.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: OH

Complaint narrative:
I have a moving violation for misuse of equipment which was tinted window on vehicle on XX/XX/XXXX which is old ticket that shouldn't be on my background that checkr had check which is preventing me from working for XXXX as XXXX XXXX. Even though I was working for XXXX already and all I had to do was updated my new vehicle registration and documents. Now I'm unable to work for XXXX   cause of this background check from checkr. But everything was on my background before XXXX hire me as XXXX XXXX except for the accident on XX/XX/XXXX which was a bad winter storm and I slide on ice into a tree in XXXX, Ohio. I also have an accident on XX/XX/XXXX that wasn't my fault. I was sitting at a red light on XXXX and XXXX in XXXX, Ohio and the other party vehicle came up from behind me and ram right into me. I can get police report from both accident to show i wasn't at fault. I just don't understand how this report from checkr make it seem like you are a bad driver but u not. I was a very good driver for XXXX. My rating for driving for XXXX was 4.77 but i don't understand if they take that in consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reported balance has been incorrect for several months. Equifax is reporting a {$19000.00} balance, when it is actually approx. {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2018 account number # XXXXXXXXXXXXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I own home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX. My mortgage company is XXXX XXXX XXXX. On XX/XX/2019 I sent a request via fax to remove mortgage insurance premium on XX/XX/2019 since I meet the the borrower initiated cancellation guidelines that includes : 5 year loan time period ; no late payment within the last 12 months and reached 78 % threshold or less of home value. Mortgage service denied request onXX/XX/19. I resent information for rebuttal and dispute on XX/XX/2019 and received correspondence on XX/XX/2019 that it has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not recognize this account and tried to dispute it. There is no proof that I used their services or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'M MENTALLY XXXX AND WAS TOOK ADVANTAGE OF BY PEOPLE I HAVE A STUDENT LOAN AND A CAR LOAN I DID NOT DO

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 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi has been penalized for using a company called XXXX XXXX  but did not refund all customers such as myself, and continued to enroll my account 4 years after the settlement from the CFPB told them to stop. I finally realized they were charging me thousands in fees per year and found a way through much navigation to cancel. 

In requesting a refund for the thousands I paid over the years for a service I was unaware of Citi gave me two fraudulent phone numbers for other add on agencies and did not help me, instead referred me to the third part company, even though letters came from them. They used this predatory practice to take money from me and others via XXXX XXXX  and the Citi customer service will not help or answer questions, only will pass people to XXXX XXXX, a company the customer has no relationship with. There is no information given, no actual contact, and only contradiction messages and information given by both entities. 

All leg work may be done by the customer with no help. Further they stated I signed up for this service in XXXX when that is not the case. Even worse, is after the ruling in XXXX they continued to perpetuate this on myself, and other customers, taking me for thousands over that period in predatory fees.

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 2019-05-01 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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is an official grievance against Toyota Motor Credit Corporation situated in XXXX XXXX XXXX XXXX Mail Code XXXX, XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting an flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Toyota Motor Credit Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Below is the account I had Disputed earlier : TOYOTA MOTOR CREDIT CO, Account # XXXX, Date Opened XX/XX/2010. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am receiving repetitious phone calls. Usually about XXXX XXXX that are intended to annoy, abuse, or harass me or any person answering the phone. There is usually no one on the end when I do answer. When I am not home a long off the hook type of sound is left on my answering machine each time.

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 2019-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I received a " NOTICE OF SERVICING TRANSFER '' PHH Mortgage Services XXXX XXXX XXXX XXXX is now collecting the payments. XXXX  will stop accepting payments received after XX/XX/XXXX PHH will collect the payments going forward. PHH will start accepting payments received on XX/XX/XXXX.

XXXX XXXX XXXX XXXX has joined forces, as a result, XXXX will be consolidating all mortgage accounts uner one company, PHH MORTGAGE SERVICES.

On XX/XX/XXXX XXXX Reported on XX/XX/XXXX a balance of {$120000.00} Direct Dispute/ XXXX XXXX Item Result Result : Deleted XXXX has deleted the account or record from you XXXX  credit report.

Dispute Reasons : Accuracy : This account is too old to be on my credit report. There were fraudulent charges made on this account.

Now PHH MORTGAGE SERVICES claims I own them {$150000.00}.

The Account was opened on XX/XX/XXXX, ( 12 yrs 4 months ) highest balance {$130000.00}.

Last reported XX/XX/XXXX.

We had no contract with PHH MORTGAGE SERVICES. This account is too old to be on my credit report. Ther were fraudulent charges made on this account by XXXX XXXX XXXX XXXX.

RECORDS INDCATE ON XX/XX/XXXX XXXX XXXX XXXX   DECIDED NOT GO FORWARD WITH THE SALE ON MY PROPERTY, it was canceled by the Attorneys from XXXX XXXX.

THE courts Dismissed our ORDER TO SHOW CAUSE, PLEASE SEND THIS COMPLAINT TO PHH MORTGATE SERVICER AT THERE CORPARTE HEADQUARTERS LOCATED IN XXXX N J

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-05-01 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is an official grievance against Capital One Financial Corporation situated in XXXX XXXX XXXX   XXXX XXXX, VA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Capital One Financial Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 
Below is the account I had Disputed earlier : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: PR

Complaint narrative:
I started making payments for my loan on XX/XX/XXXX. In XX/XX/XXXX I applied for the REPAYE forgiveness program and they consolidated my loan with a higher APR, the amount of the consolidation doesnt make sense because if I add all my payments the one that goes to my principal the amount consolidated supposed to be less than they put. As of today the payments of last year almost all went to the interest part and is like since XX/XX/XXXX Ive never pay it. Of each payment Ive made the amount that goes to principal and interest has not been on any payment the same. There most be something wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. university of XXXX XXXX XXXX 4. XXXX 5.XXXX XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX  XXXX XXXX 9. XXXXe XXXX XXXX  10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX bank 14. XXXX cards 15.XXXX 16. XXXX XXXX   XXXX XXXX dba 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXXs 20.XXXX XXXX  21. XXXX XXXX XXXX 22 XXXX XXXX 23. XXXX XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX  30.XXXX XXXX  XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. 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 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have contacted kimball tirey & st. john to discuss a large collection that appeared on my credit record. They informed me it was from a lease that was for an apartment my x wife had in her name only. I explained to them I was not a part of that and the contract was signed by her only before we were married. I requested multiple times they provide me a copy of the contract they told me I signed. They refused on every occasion. They also have it in dispute with the credit agencies I have explained to them I am trying to purchase a house and this is holding me up. They said they will hold me buying a house up unless I pay them and they would also not do anything about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recoveries, Inc.
State: OK

Complaint narrative:
To Whom It May Concern, In XXXX of this year, I received a letter from National Recoveries. A company I have never heard of until I recently researched to find they are a fraudulent collection agency. I responded to this letter stating I owed nothing on a false debt they were trying to collect. When you call the number it rings then disconnects. When the dept of education investigated my complaint and found the fraud, deception and predatory lending that occurred to me back in 2009, both of my cases were closed stating I owed NO DEBT. Both the schools not only kept money owed to me, they along with the dept of housing   literally put me on the street for 7 yrs. Both schools knew all along I never qualified for any loans for I never had the education to start the schools to begin with let alone how they continued to lie to me causing me lose my home causing me to be unable to even do school work or have the right equipment to do the school work. 

A few weeks ago I received a letter and a copy of a loan document ( one of which I already had ) that I did not ask for stating I owed the debt. Which tells me they did not do their job to see I did not owe the debt they were trying to collect. Yet their harassment has continued and enough is enough. I am tired of being taken advantage of by the US Govt. The US Govt allowed my acreage to be taken illegally then allowed TWO schools to take advantage and defraud the Govt and myself for trying to better my self after everything that was taken from me. The schools knew all along the fraud and deception they were illegally doing. THAT IS WHY BOTH OF MY CASES WITH THE SCHOOLS WERE CLOSED WITH NO MONEY OWED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) consumer CO 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX-XXXX  5.all XXXX  inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX   10.XXXX  11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX/XXXX   XXXX 14. XXXX  XXXX 15.XXXX 16. XXXX XXXX XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXX 21. XXXX XXXX XXXX 22 XXXX XXXX 23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX/XXXX 26. XXXX/XXXX 27. XXXX   XXXX  XXXX 28. XXXX XXXX 29. XXXX  XXXX 30.XXXX XXXX XXXX XXXX   31. XXXX XXXX/XXXX 32. XXXX  XXXX  33. XXXX XXXX

Company response to consumer: Closed with non-monetary relief