vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Earlier in the year I made out a check and mailed to a merchant as a common thing to do except that this time the merchant never received the check. I then saw in my checking account that check had been already cashed for a different higher amount. So I went to my bank ( Citibank ) to verify why the error of the amount on check. I asked for a copy of the cashed check and as u suspected it was a completely different writing and signing in the check. I realized I was a victim of a check fraud. I have the carbon copy of the check I originally wrote and showed to staff manager of the bank. After a long time of waiting for their fraud department to pick up the phone nothing was really done and they told I have to personally call them myself which I did and after making me wait on the phone forever they told me the matter will be under investigation and they can not give me a conditional credit in the meantime. Process of investigation could take up to 90 days. Its been already over 5 months since this matter! What Im even more upset about is the lack of sympathy from Citibank for me whos been a customer for over 30 years! And by not giving me a instant conditional credit to my account! Thank goodness the amount of fraud wasnt thousands! Im still waiting for a response and my feeling is it will never happen. Thats why I have no choice but letting you know about this. I have check copies of fraud and other documents of proof. Hope this matter make the bank to be more sympathetic of their fraud victims and do the right thing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
I have not received anything from this debt company called Converse   but it was added to my credit report on XX/XX/2019 in the amount of {$1400.00} being owed to them. However, that amount was sold by the original creditor, XXXX University, to a debt collector named XXXX XXXX XXXX which appeared on my credit report in XX/XX/2019. The same amount is owed for the same original debt to two collectors. I have not received any written mail from either companies and have not reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TX

Complaint narrative:
The credit card issued to me by the XXXX had a remaining balance of XXXX in XXXX of XXXX. The credit union was reporting the balance due as XXXX. I paid the balance in full on XX/XX/XXXX. I called the credit union several times over the following few weeks regarding the account still showing to have a XXXX past due balance. I was told that I would have to dispute the charges on my credit report before anyone at the credit union would correct the info being reported. I disputed the info. The credit reports were changed to properly reflect a XXXX  balance. Fast forward a few weeks. The credit union has again reported that I have a XXXX past due balance in my credit card. I have attached two emails that I received showing that the account is paid in full. I'm trying to buy a house. This incorrect info is hindering my ability to get funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased and 2010 XXXX XXXX from JPMorgan Chase for my daughter in college. While paying for that car, I began to struggle and I called Chase. Chase helped me by putting one of my car payments at the end of the loan. The last payment was XX/XX/XXXX. So, being that that payment was put at the end of the loan, my last payment date would be XX/XX/XXXX. After XX/XX/XXXX, I received calls to make my payment. I asked one of the representatives could I pay that last payment XX/XX/XXXX and I was told " yes. '' I also made that representative aware that I was working extra time and she assured me that I would be fine. So I paid that last payment of {$190.00} on XX/XX/XXXX. The following month XX/XX/XXXX. My credit score dropped tremendously. I found out that I was reported by Jpmorgan Chase for being 30 days late on my final payment of my auto loan. Upon calling Chase the representative was so rude and not trying to help me, so I then filed a dispute with the credit bureau. After around 30 days, I received a letter stating that my credit report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have submitted a completed application for an Income Driven Repayment plan to Navient twice on XX/XX/19 and XX/XX/19. I have also submitted proof of income, submitted a complaint to XXXX  and emailed Navient Customer advocate. Most recently, XX/XX/19, I received an email from Navient stating my application for repayment could not be completed due to missing pages but they did not specify which pages were missing. I completed all pages of the application requiring completion, name, signature and social security number. I am confident Navient is intentionally delaying processing my REPAYE application because I have a standard payment due soon. In the past, they have neglected to assist me in attempting to repay my loan with lower payments which has forced me into deferment or forbearance. They consistently make up excuses about my completed IDR applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: Southern Auto Finance Co
State: TX

Complaint narrative:
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have been contacted, and the company Convergent Outsourcing Inc. working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from XXXX has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/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 2019-07-24 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: VA

Complaint narrative:
I attempted to place a fraud alert with Equifax and receive a credit report from them. I attempted to do this online on XXXX XX/XX/2019, then on the phone on the same day, then again online on XXXX XX/XX/2019. 
In each case Equifax has refused to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
OnXX/XX/2019 XXXX notified us that they were reversing the following charge on our BECU Visa credit card : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX WA {$460.00} ; WE HAVE NOT RECEIVED THE ASSOCIATED CREDIT TO OUR BECU VISA ACCOUNT as of the date of writing. We have contacted BECU customer support regarding this missing credit on several occasions. BECU has been unable or unwilling to correct the issue. 

We have contacted customer support at XXXX and their payment processor XXXX regarding this issue on multiple occasions. XXXX and XXXX confirm that the credit has been provided to our BECU Visa account. XXXX and XXXX have given reasonable evidence that they have implemented the credit in the form of the following details for the credit : Date of Credit : XX/XX/2019 ; Amount of Credit : {$460.00} ; Visa Card Account Number ( last 4 digits ) : XXXX ; ARN of Credit : XXXX ; It appears to us that the Homeaway-XXXX have validly provided the credit to BECU and that BECU has not posted the credit to our Visa account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase closed all my accounts ( including XXXX checking, and XXXX   credit cards ) on XX/XX/2019. I asked the representative in bank but he said he couldn't tell me the reason otherwise others would know how to get rid of it. I was told that I would not be able to apply for any product from Chase ever. I have 25 days to move the money from my checking account. I don't see any inappropriate behavior on my accounts so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
The company called Mariner Finance originally lent me {$1500.00}. Throughout the course of my relationship with the company additional loans and adjustments were made. 
Just because I got behind in the payments the company started making threats which began with a young lady in their XXXX, NJ office who mentioned the threat of legal action. 
Not because I wouldn't pay but because I couldn't pay it due to other bills that had to be paid. In a letter dated XX/XX/2019 one of the paragraphs reads as follows : The continued delinquency of your account has led to its potential referral for legal action to collect the balance due. Demand is hereby made for full payment of this debt to Mariner Finance. Payment in full, including any additional interest or costs that may accrue must be received with in ( 15 ) days of the date of this letter or suit will be immediately filed against you unless alternative arrangements are made. Once the judgement is made against you, Certain assets securing your loan may become subject to actions for collection and counsel for Mariner Finance will use all lawful means available to collect the total amount owed including the accrued interest, fees and costs. Mind you I just received this letter XX/XX/2019.

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: IN

Complaint narrative:
I have been contacted, and the company XXXX XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from Tempoe has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
Multiple attempts were made to receive information about the debt, including what it was for, associated fees, dates etc. such requests were all made within 30 days of receiving notice. 10 business days later I was contacted by an agent trying to collect the debt, with no responses made to previous requests for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I offered a settlement payment that was refused and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I had a charged off account with XXXX from XX/XX/XXXX, it was charged off as closed. Jefferson capital reopened the account as owed in XX/XX/XXXX, this account would be off my credit and they have opened an incorrect account that was closed. This is not an accurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Wife And I put money down on a new home to be constructed in XXXX XXXX Florida. We were approved by another lender, but were sold by Bank of America because of the low rates on XXXX loans. 
We started the process 2 months ago. After such a long time waiting for a commitment i was in contact with the manager XXXX XXXX. Yesterday I was called to say the loan is being denied. We were shocked .I had received emails from regional manager XXXX XXXX that everything was good and came out of underwriting which apparently was a lie. They were trying to get an exception on my wifes I come which no one told me about for 2 months. If someone told me about this 2 months ago that it was a guideline and I had to see I would have been able to make an educated decision if I wanted to risk it for a better rate or just go with the other company. After this call I tried getting more information and help from senior Vice President, XXXX XXXX. This was a horrible experience as I was talked down to, lied again and pushed off the phone like I was a third class citizen. I have everything I. Emails that contradict what they are saying. They had me sign inaccurate 1003 and loan docs when I questioned in email regarding this. 
I am stuck now because rates went up a point since I could have locked with the other company and will be paying much more a month for my mortgage

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 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Why did portfolio recovery solutions run my XXXX   Credit Report without my permission? I now have an inquiry from them. This makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I logged into my account so I could transfer money to cover a check I had just written. I found that my account was at minus XXXX. I had been overdrawn XXXX and 3 additional charges under {$2.00} each came through along with a sustained overdraft charge of {$30.00}. I was not informed by the bank until after the charge so I couldn't correct it. I also didn't transfer the money for the check because this fee was beyond what I had. I had just received an annual report about protection if charges under {$5.00} come in. I have since received a {$35.00} overdraft fee for the check I couldn't cover because of this ridiculous sustained fee. It appears they are charging me another {$30.00} sustained overdraft fee. This is excessive considering the initial overdraft was less than a dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I had a 30 year FHA mortgage with Roundpoint mortgage company. I paid off my mortgage balance on XX/XX/XXXX by refinancing with another lender. I had an escrow account having a balance of {$5400.00} to be reimbursed to me. I called them after 3 weeks to find out about my refund. I was told that they could hold the money for a month before they refund. I called again on XX/XX/XXXX as I saw online a refund was issued on XX/XX/XXXX and they told me the check was cut on XX/XX/XXXX and I should receive the check in a week. Now it is been more than a month and two weeks I still don't have a clear answer from roundpoint about my refund until today XX/XX/XXXX. 
XX/XX/XXXX - Loan Paid In Full ( Cash ). 
Address details of company : RoundPoint Mortgage Servicing Corporation XXXX. XXXX XXXX XXXX, NC XXXX Customer Service at 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 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
The debt collector has called family members of mine in attempts to reach me. After this happened I called the company to get in contact with them and prevent further calls to my family. Hours after speaking with the collection agency, another call was placed to my family despite calling the collection agency myself and giving them all of my information personally to call ME. 

The collection agency is Mercantile Adjustment

Company response to consumer: Closed with explanation