vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a late payment ( {$920.00} ) on my double-cash card from Citi Bank ; I missed its due because I thought I already setup the autopay, but it's reset/disable for some reasons. However, I did make a payment successfully onXX/XX/XXXX, but my card is closed by the bank on XX/XX/XXXX, without notify me their decision.

I didn't know my card was closed until recently ; I requested my credit score reports from XXXX   ( XXXXXXXX ) and noticed that this card was closed ( i.e., Account closed at credit grantor 's request. ). I called their customer service twice, but they said it's unable to reopen my card.

This event affected my credit score significantly because of delinquency, and I do want to reopen this card again. Thus, please help me to negotiate with Citi Bank on this issue.

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 2018-04-03 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: NE

Complaint narrative:
I have disputed debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the information.

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 2018-04-03 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
In XX/XX/XXXXi filed a dispute for a collection Wakefield Associates amount {$1100.00} medical bill original {$950.00} they continue adding intrest dont know if they can legally do that over 200 more how can that be In XX/XX/XXXX this account just showed up on my XXXX and XXXX  reports There investigation states Meets FCRA requirements right there is a violation under FCRA for not sending a collection letter of debt validation to consumer giving all info from original company and for consumer to respond within 30 days to validate debt before placing a collection to the bureaus I had been working with a credit repair company which didnt benefit me at all From XX/XX/XXXX to XX/XX/XXXX This company is showing placed for collection XX/XX/XXXX so why did they place a negative account 7 months later Nor did i receive any phone calls I sent a letter asking to validate debtXX/XX/XXXX no response within 30 days I no theres new reporting laws for medical bills with the credit bureaus This should be deleted as the company seem to fall under fcra violations for debt validation Reporting in accurate again it does not meet the requirements

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 2018-04-03 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: WY

Complaint narrative:
In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees. 

On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination. 

On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it. 

On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess. 

On XX/XX/XXXX I received payment confirmation notification from BMW  Financial Services, stating they had received my payment of {$8900.00}. 

On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX. 

This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle. 

XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle. 

When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday XX/XX/XXXX @ approximately XXXX XXXX I called into Chase in spoke with a XXXX. I informed XXXX that i believe my daughter was about commit fraud on the bank account we both shared. I explained to her that my daughter was a run away and that i seen something in her inbox on social media something about using her debit card fraudulently and could she close the account and debit card out. XXXX   informed me that I could not close the account or debit card out and that it was nothing she could do because the fraud has not yet been committed. I went on and asked what the heck she meant she couldn't close the account or the cards. Im explaining to you that my daughter is a run away and is fraud is about to be committed fraud on this bank account and I'm trying to prevent it. I argued back and forth with XXXX about the closing of the account because i would be the responsible party, shall any fraud happens, XXXX finally agrees to close the account. 5 Days later i log onto my account and notice that and negative balance for XXXX is placed on the high school checking. I do some research and find out that, the card or the account was never closed. On or around XX/XX/XXXX a deposit was made in the form of a check wrote out to XXXX XXXX in the amount of {$1400.00}. I immediately contacted the bank and explain to them about the conversation I had with XXXX and that the account was been closed. At that point they informed there was already a dispute in process not to worry. About a week or so later I recieve a letter in the mail stating that i owed XXXX plus applicable fees. I should not be responsible for her fraud. I did my due diligence by contacting chase trying to prevent the fraud. Furthermore I was lied to and was told that account were closed. I been with Chase for over 10 years and I have never had an issue like this. I have the recorded call to chase on the night I was told that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The bank behind the XXXX card is XXXX XXXX. This card has been charging me large late fees, and not applying my payments to the balance. My balance is going up and not down. I did email them, but it has been more than 3 months of late charges on my account. I had not seen where any of my payments applied to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I had three accounts with Navy Federal Credit Union, and due to financial hardship in XX/XX/XXXX, I fell behind on my payments. A settlement was paid in XX/XX/XXXX on all three accounts and the remaining balances were charged off.

I reached out to NFCU in XX/XX/XXXX, because my accounts are still being reported to the credit bureaus as still owing the balances that were charged off. I was assured by the Collection Department representative I spoke with that I no longer owe NFCU on these accounts or these balances, and they resent me letters in the mail dated XX/XX/XXXX, stating the payments made in the settlement of these accounts and that no further collection activity will occur.

I attempted to dispute the incorrect information on my credit reports ( that there is a XXXX balance as a settlement was paid ), but it is still being reported on my credit report that I owe the charged off balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
According to Nationstar Mortgage, they have no records of ever showing a Principal Balance of {$87000.00}. In fact Nationstar confirmed that the Loan was originated on XX/XX/2003, with a PRINCIPAL BALANCE of {$100000.00}, and that Nationstar has no records that the original loan amount was $ {$87000.00}. his is associated with Complaint Number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.

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 non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I keep getting charged for interest charges at a high rate because of alleged one missed payment a while back and the interest rate does not match the amount I am paying. I would like to dispute that missed payment

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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I found out this servicer NATIONSTART/MR COOPER doesn't have the legal standing to service the Deed of Trust Account, I said this because it occurred an illegal transaction between XXXX   and Nationstar around XX/XX/XXXX Its my understanding XXXX  and Nationstar in the capacity of Servicer cant do a Sale/Transfer on the account without the Approval of the investor XXXX XXXX. In the past I opened an inquire against both of them and now reviewing the principal amount balance it differs from the Amount originally I got it this deed of trust. Further more Nationstart used formal documentation to attest an untrue fact on the origin of the Loan as it shows in the Tax form " it shows XX/XX/XXXX '' which is not the true at all. It was several years before XX/XX/XXXX Also in the last monthly statement I received in the 2nd page it shows " Lender Expenses '' when They are not. 
I don't know where the money I paid its going They haven t showed me in what account of the Investor its going, also I consulted with the Investor XXXX XXXX for the Servicing Rights to Nationstar/ Mr. Cooper They said they don't have it, Then for I believe Nationstar has initiated an account based with my name to enrich themselves without following the Original Note I signed. Also its my understanding while an amount is been in dispute the creditor/debt collector shouldn't be asses any late payment other ways it should be in violations of my consumer rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested on multiple occasions that Experian remove a fraud alert and add my phone number so potential creditors can contact me or approve credit. 
they have failed to respond or remove the fraud alert

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 non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have never had a contract or agreement with Portfolio Recovery Associates. The company has not provided verifiable proof supporting validity of the debt they are attempting to collect on. Although Portfolio Recovery has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - none of which were consented to or authorized by me. These appear to be violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: MA

Complaint narrative:
My mortgage company, since the time of my closing in XX/XX/XXXX, has been charging me monthly in tax escrow what I should be paying quarterly. I.E. my newest bill shows I owe {$580.00} as part of my MONTHLY payment. My tax payments are actually {$580.00} owed EVERY THREE MONTHS. 

The condo I bought is in a new development of four units, and the parcel does not officially split into 4 parcels until XX/XX/XXXX. This is why the City tax collector sent us a letter stating what each unit individually owes since we only have one tax ID. 


I have been in contact with them multiple times since XX/XX/XXXX ( 10 to be exact ), when I first received a letter from my city 's tax assessor. Still nothing has been done to rectify the situation. They did do an escrow analysis after my 9th call and multiple previous requests that allegedly got lost in their system. My payments went up, based on the tax increase ( my city tax payment per the city 's assessor, increased from {$430.00} to {$530.00} ), but they have failed to correct my monthly payments. Currently I am paying {$6400.00} per year when I should only be paying {$2100.00} annually.

Company response to consumer: Closed with explanation