vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP
State: MN

Complaint narrative:
I submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Have been trying to complete a short sale for over 2 years with Rounpoint mortgage. As of XXXX XXXX they have all documents to make a decision. It has been 53 days now and they still will not make a decision or respond to me. I was told they would approve or decline the short sale in 30 days after they have all docs needed were received. I have a cash buyer ( XXXX cash buyer that has tried to purchase the property ) and he is not going wait much longer. This is not how any mortgage company should be operating. I do n't know why it is taking so long.

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 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INTERNATIONAL CITY MORTGAGE
State: NM

Complaint narrative:
XXXX XXXX has repeatedly reported late mortgage payments made on time and verified via confirmation. International City Mortgage ( ICM ) has failed to assist/correct the fraudulent reporting of its mortgage payment processing center " XXXX XXXX ''. The excuse for the failure of XXXX XXXX to properly and promptly apply payments provided by ICM is that we provided " incorrect account information :. THE ACCOUNT INFORMATION ( BANK/ROUTING NUMBER ) WAS PROVIDED EXACTLY AS INSTRUCTED BY XXXX XXXX AND IS EXACTLY AS NOTED ON OUR CHECKS. Every payment has been made on time and is verified by confirmation statements sent by XXXX XXXX at the time of every payment, leading us to believe our payment has, in fact, been correctly processed. Weeks later, we receive a letter via US Mail stating they have not received payment. XXXX XXXX then assesses late fees and reports late payments to credit agencies. Repeated requests for assistance and resolution starting in XXXX and continuing to the current date have gone ignored. The fraudulent reports have significantly damaged our credit. The continued lack of response or ANY resolution indicates a serious customer service issue that must be addressed. Additionally, XXXX XXXX, XXXX ICM Branch Manager, upon obtaining our signature on the mortgage loan, immediately removed himself from any role of assistance, leaving us to attempt to seek resolution thru the main office in XXXX, California ; XXXX XXXX XXXX and XXXX XXXX have provided no relief at all. XXXX XXXX assured us he would " be there for the length of the loan '', if we ever had any problems, he would resolve. We are still waiting for ANY assistance whatsoever. Further, XXXX 's promise to set up a twice-monthly payment to minimize the loan interest has evaporated ; this was a key reason we decided to use ICM. XXXX XXXX appears to be using empty promises and false advertising to sell his product.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Green Square Company LLC.
State: UT

Complaint narrative:
I have been contacted by a company that goes by the name of Premier Recovery Group. They are stating that I owe money to an online loan company that wired money into my account in XXXX of XXXX. I told them that I 've only taken out a loan from an online company once and it was in XXXX and I paid the company back in full. I told them that I would look through my bank statements. I went through my bank statements and only had deposits from the company that I worked for. I called the company back to verify the bank account and then told them that there was never a wire into my account. They said that money was wired to my account and asked how i wanted to settle. I told them that there is nothing to settle other than the fact that I never received a loan at that time and that I was happy to send them my statements. The person gave me a fax number that was disconnected. I called back to ask why I received a disconnected number and to ask for their agencies license number. The person told me I was given the wrong fax number and that he did n't have the license number and was n't where aware there was one. I asked him to transfer to someone that could give me that information. The person over operations said she was not able to give that information and that it was private. I told her that is all I needed to know. I checked the second fax number it is also disconnected. This company is a fraud.

Company response to consumer: Closed
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: NH

Complaint narrative:
CBCS claims I owe them {$90.00}. Im very familiar with my rights as I work with credit disputes. They are unwilling to provide me any documentation substantiating their claim other than a screen shot of their transaction information. Ive loged into the hospitals billing center and confirmed that i have no past due bills. I have explained this to CBCS and requested original official documents showing absolute proof and they have refused to accommodate. I spoke with a supervisor who told me the burdon of proof is on me, which i know is false and to lie to me about this is a violation of my consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
the interest is astronomical and unethical this should not be allowed the interest is 400 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
I did not have XXXX in XXXX 2011

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The Servicer Navient, for XXXX changed my loan terms without my knowledge or approval. I have never missed a payment or been late on a payment. The payments went from {$50.00} to {$150.00} without my consent. Navient ( spoke with Supervisor XXXX ID XXXX on XXXX/XXXX/2016 ) stated that there was mistake several years ago when the loan was first made and terms of the loan needed to change with or without my consent so it could be paid off in 15 years. They sent me XXXX email ( on XXXX/XXXX/2016 ) which said to go to their website to see information related to my loan, which I overlooked and never saw. The also said they sent another email, but I did not receive any other communication via email. Navient also stated they called and did not leave messages on XXXX occasions on XXXX XXXX, and XXXX, 2016. There was no written communication sent to my home regarding any proposed changes to my loan terms. The auto draft came out for my XXXX payment for the {$150.00}, which I disputed with my bank and reversed. Navient is now saying I am now past due for the {$150.00} and owe for both XXXX and XXXX {$150.00} for each month. 
I do not consent to this change and would like assistance in returning my loan terms to the original agreed terms. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Went to Citi website and was pre-approved for selected offers after filling out my information, also I had received pre-approved emails for Citi ThankYou Premier Card and Citi XXXX XXXX cards. 
My credit is excellent, and I applied and was asked to verify my address, but that " everything else looked good '' I was told on the phones by the underwriting department. 

I sent in the necessary verification, and was later told I was denied due to inquiries, which they would have known during the pre-approval and offer process and should not be a deny reason. Please help! These inquiries have now tarnished by credit and they have not fulfilled the offer as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. 
Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: PA

Complaint narrative:
I check my credit monthly on creditkarma.com just to make sure nothing unusual pops up. When I saw a debt for comcast I disputed it. Over the last XXXX weeks I 've been trying to contact Enhanced Recovery to verify the debt and show proof of return to XXXX. However if you get in contact with someone they immediately hang up. Also they have a pre-recorded message that just loops and eventually hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AL

Complaint narrative:
My credit report shows one amount and the collections say I owe another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CO

Complaint narrative:
FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: PA

Complaint narrative:
A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
citizens one keeps sending collections notices when this acct was paid up,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My social security number is totally different from my dads but half of his information pops up on my credit report when my credit is ran. I 've never worked at XXXX XXXX. I 've never Rented a Place Ever, also I 've never owned a XXXX account and several other things on my credit I was underage for most of these things I think they should be removed from my credit because now as an adult I ca n't get a place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation