vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with " XXXX '', a representative for Statebridge Company, regarding the fraudulent placing of forced placed insurance on my property. I was informed by XXXX and a Team Leader, " XXXX '', that a check was sent on XX/XX/XXXX to reimburse me for the total amount I was wrongfully charged, beginning in XX/XX/XXXX thru XX/XX/XXXX. It has now been 15 days since Statebridge allegedly sent payment for reimbursement and to date, no payment/check has been received by me. In addition, Statebridge has not formally notified me in writing of this ongoing issue and how it plans to remedy their false assessments for forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MT

Complaint narrative:
This debt was from a mastercard I had years ago that was paid, and it has been past the time they can collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX & Experian is reporting inaccurate Information from XXXX, XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.

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 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc.
State: TN

Complaint narrative:
I have been paying my child support faithfully every month, but my child 's mother has moved to another state and there was a miscommunication between the State of XXXX and the State of XXXX   that I have not been able to resolve. I have now been sent to collections for child support that I have paid. I have included a payment letter from the State of XXXX from XXXX, XXXX to XXXX, XXXX that proves that I have been paying over {$2000.00} a month in child support. 

XXXX ; XXXX  and XXXX are also reporting this item 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 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from 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 2019-02-13 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: CITIBANK, N.A.
State: NV

Complaint narrative:
My Citi bank XXXX XXXX  was suddenly canceled out of the blue on XX/XX/19. I had accrued a reward certificate worth {$630.00} which was scheduled to be disbursed on XX/XX/19. 
I had called on XX/XX/XXXX and spoke with a representative named XXXX who assured me that the certificate would be issued as planned and that there was nothing to worry about. 
I called again on XXXX and spoke with XXXX who said the same thing adding that there is a 7 day lag at times. 
Finally, I called today, XX/XX/XXXX and the people I spoke with said that I will not get the rewards since my account was canceled! 

I believe they canceled my account to not pay this reward certificate and I am very upset about this and want it fixed, even if they refuse to reinstate my account, withholding the rewards certificate is totally unacceptable.

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 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: WV

Complaint narrative:
I moved out of my apartment after my lease was over due to the fact that I had complained repeatedly to the apartment about the roaches and trash all of which I have documentation for. As well as the trash in the stairs that resulted in my wife falling and nearly breaking her leg and going to emergency room. As a result of their incompetence we moved out. We were never evicted or taken to court or even received any notice whatsoever from a collection agency. Until today when it popped up on my credit report. I have never received a notice as required by the FCRA. I want this removed off of my credit report immediately or I will see you in court for violation of the FCRA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company
State: FL

Complaint narrative:
Statebridge Company has reported my mortgage payment as being " late more than 30 days '' when no such thing occurred. Statebridge had wrongfully charged me for forced placed insurance and has since admitted to this " mistake '', to put it lightly. The correct and on-time payment I sent for XX/XX/2018 was accepted by Statebridge but not applied to my account, claiming the funds were insufficient due to their wrongful assessment for forced placed insurance. The reporting of my account being delinquent, to the credit bureaus, had caused my credit score to drop by 49 points, severely effecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.

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 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: WA

Complaint narrative:
Got a letter from Great Lakes stating my principle balance. To my surprise it was more than what I loaned. Over the past few years apparently the payment plan they have me on isn't paying any principle down, in fact it's accruing. I am struggling to understand how this can be offered to a student. This seems like a scam, to make money off a large education based debt. Is this legal? I called customer service at Great Lakes on XX/XX/19 to get an explanation and was told that it isn't explicitly revealed to the borrower that this payment plan will not pay off principle. Following that she claimed borrowers are told this information. Didn't seem clear. Shouldn't we be protected against programs that don't pay off our loans? I am beside myself as I support my family on a single income, trying to get out of my educational debt. An insurmountable hill knowing what I now know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: BB&T CORPORATION
State: CA

Complaint narrative:
I had an accident EXACTLY three weeks after I bought my bike, an incident which my bike was completely written off. The insurance company was supposed to pay in full but failed, so I ended up paying the remaining balance 3 months to payoff. I have maintained a perfect record by making the regular monthly payment since. But to my surprise this company still kept reporting late payments on my accounts which is 100 % erroneous. 
This letter is a written proof of my intent to resolve this matter and have these inaccurate data expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account late payment history are erroneous : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/2018, Balance {$1400.00} The reason for my filing of this complaint is to first and foremost express my willingness to prosecute by filing a court case against this company for : 1. Failing to report accurate information to the bureaus.

2. Failing to provide a written Notice before including a late payment into my credit report, a clear
violation of California credit act as well.

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 2019-02-13 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call about a civil complaint being filed on myself. I called them to receive the information and I was informed that I owed XXXX XXXX collecting on behalf of XXXX XXXX dollars ... ... from XXXX ... ... 18 years ago and to pay XXXX dollars now to settle or I would be sued. I asked for proof of the debt, and they told me they would show me when they took me to court. I called back and asked for proof of the debt again they repeated they would show me in court

Company response to consumer: Untimely response
Consumer complaint received 2019-02-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I made a deposit at a branch location of Citizens bank to make my payment within the Grace period of my payment due date. I then made my payment online. When I went online to my credit monitoring service I saw that I was hit with a 30 day late for the account at citizens bank which wasnt late. I care a lot about my credit and am furious. 

Citizens bank made zero attempt to contact me and let me know of the issue, even though my contact information in my profile was correct, nor do they ever send paper statements. Last time I had this issue with them it was not posted to my credit report because they found the error was on their end, but this time they did report it to the bureaus and I am fed up with this misinformation on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Went to Bank of America on XXXX XXXX XXXX NC on XXXX-19 to cash a check written from a BOFA member to me and was told that they would not cash check unless i opened a bank account with them ... .This was told to me by the intern branch manager XXXX XXXX XXXX 
I told them that i did not want to open a account and that i just wanted to cash a check that was issued by their bank ... ..I was promptly told that if i did not open a account that i would have to leave and they did not honor check that was written to me ....

Can you please tell me if this is even Legal? 
Seams to be a predatory type of banking to me ... 
Thanks 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 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XX/XX/2019 - Paid off one of my student loans. Still had several outstanding loans. 
XX/XX/2019 - * Receive a confirmation that above stated loan was paid off. Simultaneously receive an email that I have new Loan Repayment Terms ( received a letter ). The letter has the following as justification - " Your terms have been re-calculated due to a change in status ''. 
* Looked up the items reasons they declare that could cause this and I do not fulfill any of the reasons. 
* Call XXXX XXXX and ask the customer service rep to provide the reason they changed my loan repayment terms. She replies it's caused by the previously stated loan that was paid off on XX/XX/2019. I inform her this makes no sense, why would this impact my other loans. I request a copy of my previous Loan Repayment Terms and she asks me to go on hold. She eventually comes back and says the information she provided is incorrect and that XXXX XXXX incorrectly changed my Loan Repayment Terms. 
* As a follow up, i'm waiting for a new set of Loan Repayment Terms and a copy of the original ones as well. 

Bottom line - How on earth can they just change my loan repayment terms? I'm fortunate in that I've worked with student loans extensively but had I taken her word immediately, I would have operated on totally incorrect information. Furthermore, the letter they published should provide the justification for the change as opposed to a generic " many things could have changed ''. Why doesn't XXXX XXXX   get any sort of reprimanding for this sort of behaviour?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted Equifax to get the freeze lifted for 30 days on my information. I was given a confirmation number by Equifax. Two days Iater I contacted an agency I am trying to do business with and they told me to hold, when they came back they said the freeze had not been released. I called equifax, I told the person who answered the phone I needed them to check on a confirmation and gave them the number, they said they could not confirm, but wanted me to answer numerous questions. I called the number for the corp. office, told the person i would like to talk to some one in corporate to get them to help me. When I told her what I needed she transferred me to the same customer service and the same thing happened. It has been 4 days as of today contacted the people I am trying to do business with and they again informed me the account with equifix was still frozen. Need this FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A mailed document was disappeared and it contains all my personal information including SSN. I want to freeze my credit as a prevention of identity thief. I created an account at Equifax and called them up but they want me to mail them copies of my two ID 's and fill out a form and provide all my personal data. I have created the account at them to avoid it. I need your help how I can freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: CO

Complaint narrative:
I have attempted to get on the REPAYE plan since XXXX. I spoke to a representative today who said I should be on it after I pay an " opt out '' payment in XXXX. She also said she " didn't know why '' I was ever taken off of the REPAYE plan. One of my applications was denied because I was on a forbearance for more than 90 days, which the employee suggested I do and never told me it would affect my application for REPAYE. This is why XXXX XXXX is being sued by the Massachusetts Attorney General and why I am calling for Colorado 's AG to do the same. I could have made several years worth of eligible payments towards the PSLF program but XXXX XXXX had me on the wrong program when I started in XXXX and is delaying my ability to pay on it for 8 months ( XX/XX/XXXX to XX/XX/XXXX )!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX XXXX/XXXX  ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

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 2019-02-13 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: MI

Complaint narrative:
I currently have my federal loans in borrow defense since XXXX the XXXX XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXXwhich goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

Company response to consumer: Closed with explanation