vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I looked up a property in XXXX XXXX, FL. I called the number from XXXX XXXX XXXX and obtained information via phone. The so called owner agreed to sign a 2 year lease ; we completed background checks and filled out the lease agreement, sent images of our licenses and signed. So called owner was to ship the keys to us but there was a delay with the husband stating that he found another party that was willing to pay 6 months in advance. We agreed to give an additional 2 months of rent which in term he agreed as well. After we transferred money to their lawyer they told us they sent the keys and would be getting back to us with a confirmation from XXXX. We did not receive word from them after that. We tried calling their number and it was disconnected. My boyfriend did some research and found the actual owner of the property through a property appraisal website and contacted him to verify his identity which did not match the so called owner we had been in contact with. The so called owners sent us a California Drivers License ( XXXX XXXX, DOB-XX/XX/XXXX ) We also have all the text messages sent/received between us. The so called owner also sent post office images to us as if they were going to mail keys to us.

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 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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:
I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached an Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : CAPITAL ONE BANK USA, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: CA

Complaint narrative:
The Citibank Credit Card company is a ridiculous, rude and not a consumer friendly company. this Bank should be closed down. 

First of all they close my credit card out of no reason. 

Secondly what they claim that the customers get 100 % fraud protection on unauthorized charges on their credit cards is a bogus scam because if the card is lost and if someone else uses it still we are still responsible for the unauthorized charges. 

On around XX/XX/XXXX or XX/XX/2018 my credit card was lost and I duly informed the Citibank about it, they sent me a new card.

Now after two months they have put {$1400.00} on my Account and asking me to pay that Amount. I can not even see this amount on my XX/XX/XXXX Citibank Statement. Is this is a scam or what?

I will not recommend anyone to apply for Citibank Credit cards as  it is a ridiculous money making company and should be sued in a court of law. 

My credit card was in XX/XX/2018 and I did report it to Citibank Promptly, they gave me a temporary credit and 2 months later reapplied to my account ruining my credit. 

There XXXX anywhere Visa Credit Card is a scam Card and they are also ruining XXXX XXXX Reputation. I would request XXXX to please discontinue and disconnect all ties with Citibank.

I will never apply for a Citibank Credit card again.

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 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On several occasions I have called Navient in order to better understand my options for repayment and or lowering my interest rate. Today XX/XX/19 I again called because some of my loan percentages were up to 12 %. I am unable to find information as to what the max is for interest. In the past I have been told there is nothing they could do for me, in addition to, suggesting that I have a child in order to lower my payments because of number of dependents! I have been working hard to pay additional amounts to the higher interest loans in order to pay them off. Each time I get close the rate seems to go up! A year ago the highest % rate was at 8 % and now it is at 12!! There is no attempts to assist you in paying off your loans. The customer service people are rude and not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CA

Complaint narrative:
This is a formal request for a block or Deletion of XXXX   XXXX  XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX, XX/XX/XXXX, I sent XXXX XXXX XXXX certified letters after checking my Credit Report and seen there was a medical bill on my report that not once did I EVER receive notice in the mail from XXXX XXXX XXXX  XXXX XXXX letting me know that I had an outstanding bill after my insurance paid for my visit! Not Only have I mailed certified letters I called and the guy I spoke with was awfully rude and hung up on me! I sent another certified letter on XXXX XXXX cease & desist but they dont see the issue! the letter is being returned back to me because their physical address is invalid! Thats when I called and was hung up on! XXXX XXXX XXXX   XXXX XXXX never sent an outstanding bill and sent this straight to a collection agency giving personal medical treatment and insurance! they gave them full insurance card information without my PERMISSION! Now I have to call my insurance company and let them know that someone has my full insurance card Information!! This collection agency knows what I was treated for and what was given as well what my insurance was! I never signed for them to break my medical privacy! When I called XXXX the man had the nerve to say that they had rights to my MEDICAL records! No you do not! I was never contacted and never did I sign for a collection agency to receive my medical treatment and how things were administrated to me on this personal heartbreaking medical procedure and breaking my privacy law! I want this matter taken care of immediately! I have filed a complaint to OCR! This is Violation of HIPAA and I will proceed with suit! XXXX refuses to pick up my last certified letter and they keep reporting this account to Equifax knowing their in violation of my medical rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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 belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
First Advantage is sending potential employers a background check on someone else. Nothing contained in their report is me. I am losing jobs over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio requested proof of the XXXX statement that shows my loan was never modified and the detailed history. 

XXXX has not complied with the terms of the DODD Frank 's Act to allow for consumers to convert subprime mortgages under the HARP program to a fix rate mortgage. XXXX sold my mortgage to Select Portfolio on XXXX XX/XX/XXXX. 
XXXX is actually still the lender and they denied my request to a loan modification in XX/XX/XXXX. The mandate period expired on XX/XX/XXXX. XXXX was sued for mortgage fraud in XXXX and XXXX. 

I never agreed to a subprime mortgage. I want this issue resolved asap. 

Request the FBI, CFPB, SEC, FTC mortgage fraud investigators investigate this matter and add ke to the class action lawsuit against select portfolio. XXXX refuses to resolve this matter and intentionally uses Select Portfolio to avoid penalties and accountability for this mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX  violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX  has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. Wells Fargo didn't provide information within the 30 days as per FCRA which is a direct violation.

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 2019-01-08 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: KS

Complaint narrative:
My student loans were paid in full in XXXX, and I have the receipt to prove it. When Navient bought my student loan, they have lost payments and continued to keep adding interest to a loan that was already paid. I have now gotten notice that I have less than 30 days to pay it in full ... ( which has tripled ) due to the outrageous interest. I have turned them into the XXXX, and I have showed them multiple times that the loan was paid in XXXX. Now it is XXXX and these people will not leave me alone, nor leave my co-signer alone, they call 5-8 times a day, emails and letters with threats. I am at a loss of how to get these people to leave me alone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
For a Chase Sapphire Reserve credit card : XX/XX/XXXX : I attempt ( multiple times and with multiple hotels ) to book a hotel in XXXX using Chase Travel 's online portal for the weekend of XX/XX/XXXX. All attempts result in messages that the offer is no longer available, but it will let me try to book the same offer again. I call Chase travel, and they are receiving the same error on their end. I escalate to tier 2 support, who is also unable to book. Tier 2 offers me XXXX points and recommends I try again the next day. Points are promised to hit my account within 72 hours. 

XX/XX/XXXX : I try again online with the same results. I call again, and get to tier 3 tech support who has the same issue and claims to put a ticket in to have me alerted when the system is working. 

XX/XX/XXXX : I try again online with the same results. I call again with the agents having the same issue. I am promised XXXX points for my trouble by tier 3 support ( to hit the rewards account within 72 hours ), and that there will be an offer to cover the extra cost of being unable to use points. I book a hotel externally to Chase Travel ( meaning I am unable to use my points ). 

XX/XX/XXXX : No points have hit my account. I call Chase Travel, where a tier 3 support promises they will be resubmitted and hit my account within 72 hours. 

XX/XX/XXXX : No points have hit my account. I call Chase Travel and Chase Cardmember Services. Cardmember services is unable to help. Chase Travel offers to look in to the issue and get back to me. ( Email text below ) XX/XX/XXXX : No points have hit my account nor have I had any correspondence from Chase Travel. I call Chase Travel.  They claim they have not yet looked into my issue due to holiday jams. 

Email received from XXXX on XX/XX/XXXX : I am writing regarding your XXXX points that was promised by the previous agents. 

We will follow up on the call id recording that you provided that requires us to listen for further investigation in order for us to process your request. Once we found out that your promised points has not been processed yet we would be sending you an email immediately or you will receive a call back from us immediately for us to complete your request. We apologize for any inconvenience you've experienced. 

If you have any questions, please don't hesitate to contact us by dialing XXXX and requesting a supervisor. Were available 24 hours a day, 7 days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
This is a formal request for a block or Deletion of XXXX XXXX XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: FL

Complaint narrative:
The XXXX XXXX  XXXX account, XXXX XXXX XXXX, and XXXX   XXXX  account was originally deleted from my credit report and now it reappeared 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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I was reviewing my account with Citizens Bank online and noticed that a check was cashed that I did not write for a lot of money. In fact the check that was cashed did not look anything like the checks that I have, it had the wrong address and the signature was not even close to mine. I went in to Citizens Bank in XXXX XXXX, Massachusetts to report the fraud and they had me fill out the paperwork. I was told that it would take 4 to 6 weeks to resolve but usually it takes a lot less. I was also told to report it to the XXXX, MA police department. Over two weeks ago, I went in to talk to the representatives at the branch to get an update and they supposedly escalated it. I went in on Saturday XX/XX/XXXX and all I was told was that it is still in works and they are waiting for the other bank ( XXXX XXXX  ) to respond. It has now been over 6 weeks with no resolution in sight. Any help that you give would be greatly appreciated. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 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: PA

Complaint narrative:
I owe over 102000 in student loans and Navient expects me to pay 900 plus a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX  on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the  account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.

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 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.

Company response to consumer: Closed with non-monetary relief