vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX i received alert from XXXX that XXXX added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but XXXX all Credit acceptance to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and XXXX before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that XXXX say they go by policy and procedures but when does it apply when its finacial benfincial to the company and XXXX are for the consumer, XXXX  does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the credit acceptance and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but XXXX   allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons

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 2018-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizen Bank transferred the servicing of our four year old  HELOC to Citizen One Home Loans effective XXXX, 2018. This is a 5 % simple interest loan with monthly minimum principal and interest payment of {$920.00}. The interest amount varies monthly based on the principal balance and days between payments with the remainder of payment applied to principal. Citizen One has twice applied the timely {$920.00} payment as interest only. I have spoken to XXXX, XXXX and XXXX in customer service department three different days over the las few weeks, to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They keep calling my company 's office line and hanging up. When called back, they say they are not calling us, agree that we do not have a debt with them, but say they do not use a do-not-call list and will not stop calls to our office phone ( which they also say aren't happening ). They have called us multiple times per week and it is tying up our line from important calls from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I filed a dispute over the phone with Citibank. My account had a fraudulent transaction of {$920.00}. The representative informed me that within 10 days I would receive a provisional credit. I never received it. On the 10th day I called and they said to wait another 10 days for the credit to reflect on my account. Today is XX/XX/2018 and I still do not have my money. I called today and they told me I had to file another dispute and wait another 45 days. They are taking me as a joke. Every time I call they give me different answers. Nobody knows how to help me. Citibank is trying to stay with my money. I have bills and have not been able to get my children their gifts for 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 2018-12-20 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: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of  XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. 

XXXX  has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX  since XX/XX/XXXX. 

When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX  credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I have repeatedly asked for the full, un-broken chain of title with all Assignments and Substitution of Trustee recorded documents yet only receive rob-signed Assignment with the undocumented papers from closing. I was told I could call XXXX XXXX XXXX/SPS in XXXX XXXX XXXX UT to set up a viewing of the original wet-ink Deed and Note together along with the full Chain of Title that they had in their possession in order to qualify them to collect/foreclose and/or modify my loan. When I called I was told that they would first mail me the documents then when asked when I could set up an appointment to view in person I was told that he would get back with me once he found them ... Haven't heard back yet they still have a XX/XX/2019 sale date pending while they " look for my documents ''. I have requested that while they do their researching if they would cancel this sale date immediately, but they have not to date. 
I am very concerned that this company has no idea who the owner of my loan is as they said it was XXXX but no ID number was attached to my loan to verify, then it was XXXX XXXX, who is currently being shut down/sued as all the others who has said they owned this loan, and since no one can produce any facts and just bully me with sale dates I am very concerned that they will illegally foreclose without any rights to my loan at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
This complaint is in regards to the company called XXXX. This card was issued to me for unemployment benefits within the state of Florida. My complaint is that every time the automated number is called and it ask to enter the last four digits of the card number and pin. It automatically give the balance and deducts XXXX cents every time. There should be an option to select whether you want to hear you balance. Furthermore there should never be a fee assessed to check your balance OR to talk to customer service. 

This is deceptive. as many people are getting either unemployment, child support or some other benefit through this card. It seems to be taking advantage of consumers within a certain economic category. If a person is unemployed or getting state benefits, they need every penny they can get. Its unfair and deceptive to have a financial institution charge customers to hear their balance or get assistance from customer service. 

Please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied the American Express gold card with two promotions 1 )  getting XXXX points after spending {$2000.00} and 2 ) getting  20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account. 
I offer my sincere gratitude for your assisting with this circumstance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. 
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.

I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. 

I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.

Both letters are from the same Fraud Management and Enterprise Authentication department. 

As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. 

As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. 

If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX i received alert from XXXX that equifax added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but Equifax all XXXX XXXX to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and equifax before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that Equifax say they go by policy and procedures but when does it apply when its finacial benfincial to the company and equifax are for the consumer, equifax does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the XXXX XXXX and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but equifax allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I HAVE REPEATEDLY CONTACTED ZALES AND TOLD THEM THIS IS NOT MY ACCOUNT. I HAVE SENT LETTERS AND DISPUTED MANY TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I recently discovered that Bull City Financial has reported 18 medical bills on my credit report. I have health insurance, so there is no way I can have this many unpaid medical bills. Prior to these accounts showing up on my credit report, I never received any notice of my right to dispute these items. So I called Bull City Financial, and they told me that I should dispute the accounts at XXXX, which I did. All they did was confirm the bills to XXXX. I still have not received any verification of the medical bills from Bull City, and I still have received no explanation on why they reported all of these things without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. 

XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period  would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. 

Since this time, I've contacted XXXX XXXX 2-3 times  asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. 

Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX  was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I paid my mortgage to Rushmore Loan Management every month on time and then XXXX comes around and they said my check was returned. I sent them a copy of my bank statement showing them it did not get returned and then they went on to tell me its from a missed payment from previous company before my loan transferred to them.I think it's downright wrong to make my current payment ( XXXX ) returned due to something from previous company, which that was not even true. but yet and still I made a payment while they look over proof that I did not miss a payment with them either. So I made 2 payments. 1 for XXXX and one for XXXX. In XXXX I still had no answer so they again asked me for proof. I called previous mortgage company and they said there was no missed payments. So In XXXX I sent them over Every statement showing auto draft of mortgage payments from XX/XX/2018. NONE MISSED!! Now we are almost at XXXX and they have still not fixed my payment history nor taken off the fees they said will be removed once I proved my payment was not missed! They are still requesting me to make 2 payments to cover the payment I NEVER MISSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Someone contacted my brother in law and said that they were looking for me to collect a debt. When I called the company back, they stated they were XXXX. I XXXX them online and could not find any information about them. I then XXXX their number ( XXXX ) XXXX and it came up that it was fraudulent. When I told the person on the phone what I had found, she hung up on me. I then called back and demanded to know why they were calling me. The women stated I was being sued. They asked for my social security number and when I wouldn't provide it, the women stated she could not provide me with any information if I would not provide it and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
As of XX/XX/18. My Wells Fargo accounts have charged me {$3300.00} in fees over the past 90 days. I have personal and business accounts with Wells Fargo. The fees appear systematic and predatory to benefit the bank itself as opposed to the companys disclosures to offer a platform for small businesses to grow.

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 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So at XX/XX/19, JP Morgan Chase closed my credit card and refused to tell me the reason. 

I already communicated with them and they told me it's because of new bank policy. Some of my friends had the same thing recently. We are thinking of JP Morgan Chase is having major issue with their credit card service or they are discriminating clients. I never used this credit card to do any improper things, and I couldn't think of any reason why they would close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.

Company response to consumer: Closed with explanation