vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MA

Complaint narrative:
CHECK # XXXX ISSUED FROM XXXX  XXXX XXXX  UNDER MY NAME CLEARED ON XX/XX/2019.YET THE PAYMENT HAS YET TO BE POSTED ON MY ACCOUNT IN A TIMELY EXPEDITIOUS MANNER, LENDING CLUB GOT THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID

Complaint narrative:
Rushmore Loan Management Services has arbitrarily imposed " personal insurance '' policy on my account when I have already provided insurance policy. They are charging my escrow account {$100.00} per month since XXXX. They refuse to stop stealing my escrow money for this fraudulent insurance policy. My insurance policy provides all coverage required by my loan and has been in place constantly from XXXX. 
I have XXXX loans with Rushmore, all originated with same lender, all have identical insurance provider BUT Rushmore is illegally stealing from this one account with their self imposed " personal insurance '' policy. 
I want these withdrawals stopped and all funds returned to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A certified letter was sent to XXXX XXXX XXXX on XX/XX/2019 asking for debt validation. Their letter advised a debt of {$480.00} that they would reduce to {$360.00}, their letter did not have a date in which this alleged debt occurred. Their letter stated " The legal time limit ( statute of limitations ) for suing to collect this debt has expired. '' My certified debt validation letter asked them to advise the SPECIFIC DATE and also stated how can a debt be valid when there is no date associated with it. I can not fight a debt or research this alleged debt without the date of service. This debt is on my credit report. XXXX XXXX XXXX has not responded with a date of this debt. I disputed the debt stating it is illegal for you to make up this debt. My letter to them also stated " Just because you sent me a bill and you specified a dollar amount, does not make it a valid debt. ". " I really feel like this is a joke since how can you provide proof when you can't even state the date this debt is from. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: NC

Complaint narrative:
US Department of Education is reporting on my Equifax credit file ; as it has been sold to XXXX XXXX. This Is showing up as a duplicate student loan. I have already tried to get this removed several times. Its also falsely reporting a monthly payment. I have checked under studentaid.gov to confirm my student loans and they are not listed. This needs to be removed from my credit file. When trying to locate them in your system ; they are not even listed as a student loan company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
This complaint is against Atlantic Bay in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number : XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Atlantic Bay had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis.

The ticket was never resolved and I was never provided the escrow analysis. I called Atlantic back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Atlantic Bay also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Atlantic Bay and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Atlantic Bay continues to refuse to provide one.

Based on my research I have every right to request a new analysis to be made, however, Atlantic Bay is refusing to provide one. I feel my legal rights under RESPA have been violated. Atlantic Bay has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Atlantic Bay to follow the law. Happy to provide more details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
We have a balance of {$3800.00} on a Citi XXXX credit card. This account was closed by us on XX/XX/XXXX. Intrest on this account is still being charged at 15.5 % for the last 18 months. I have been advised that credit card companies should not charge interest on a closed account. I called Citi on XX/XX/XXXX to ask the to freeze the interest on this account. They informed they do not freeze interest, with no further explanation.

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 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Receiving constant call from this company calling my daughter, my sons and wife phones.Asked them repeatedly to stop and they increased calls.Moreover, I've never entered into any agreement with them for anything.

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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX has REPEATEDLY called my father over my debt collection with them. They already have my name address and current phone number and now they have contacted my father and my brother already several times ... this is completely out of line. XXXX has contacted my father on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the XXXX of 2019. To whom it may concern I have not given them any false information for them to think they need to contact my family members to contact or find me for a debt collection matter. XXXX has not contacted me in the past month. Please let me know what I need to do to get help with having this stopped IMMEDIATELY AND REPORTED TO THE CORRECT PERSON! 

Sincerely, A highly irritated, outraged customer who is highly disappointed with XXXX  's ways of dealing with their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to see my last monthly statement and after my log in data were automatically entered, it said that my password is wrong and to click the link saying that I forgot it ; after doing that, it said to enter my full social security number which I did correctly.After that it said that it is wrong number and my access to BBVA site is locked, with suggestion to call a toll-free number, which I can not do from where I am here in a foreign country without access to any regular phone to make a direct call from here ( I am now in a remote countryside of XXXX XXXX XXXX. 
The only way to reach me here is by internet or by calling my mobil phone at XXXX if I will be in an area with good reception. 
My last 4 digits of my account are XXXX With anticipated thanks, XXXX XXXX, cardholder

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: GA

Complaint narrative:
I received an unsolicited e-mail from Equifax on XX/XX/2019 indicating my Trusted ID Premier would be canceled and my credit information unlocked. 

I do not wish to unlock my credit information. Following Equifax instructions in the e-mail I signed up for their complimentary Lock & Alert product. 

When I attempted to sign in, I got a screen instructing me to call XXXX as my sign in request can not be completed at this time. I did so on XXXX XXXX, and was connected to what was obviously an offshore call center. After several attempts, then being placed on hold, the CSR said that a " problem '' existed with my account and had to be escalated. When I asked what the problem was, she said she was not at liberty to say, but that someone would telephone me to resolve the issue. She then confirmed my telephone numbers. I followed up with an e-mail to Equifax on XX/XX/19. My credit score is above 800, so I know I do not have a credit issue. 

To date, I have NOT been contacted by anyone, and the issue remains unresolved! I do NOT want my credit information unlocked. 

Today ( XX/XX/19 ) I received an e-mail from Equifax stating my complaint had been " resolved '' and asking me to rate their service! NO ONE has contacted me, returned my calls or e-mails, other than an automated reply stating a case number! 

I want my access restored to the Equifax Lock & Alert software which was removed on XX/XX/19, and my account working so I can block access to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Around XXXX I got messed up with XXXX  XXXX and they cancelled my home insurance. I was not made aware of this until XXXX At that time i went and purchased insurance from XXXX XXXX for my residence around XXXX was notified by mortgage company ; [ flagstar bank XXXX XXXX XXXX Arizona ] that  they needed a copy of my home insurance which i sent to them. they sent a response back and said they need coverage for the XXXX thru XXXX or they would provide forced insurance for a past date, they offer for me to get myself however no insurance company will provide coverage for past dates> They have shown a negative amount in my mortgage account for this forced insurance for past time when nothing happened and when certainly i cant get coverage for a past time occurance is this legal the forced insurance amount is {$1000.00} which provides not benefit to them or me? Since the forced insurance company is a subsitiuary of the bank it is a method to make money in house with no risk There is no doubt my insurance lasped however i corrected as soon as i was made aware of this and doesnt this qualify for taxation without representation too? >

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 2019-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I borrowed XXXX. The interest is sky high. I will have paid them XXXX at the end. I have borrowedfrom other companies and only paid back double or a lil more than double. Power Finance in Texas is charging me 4 times the amount I borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have two accounts with CITIBANK that at times go below the {$1500.00} minimum balance and I get hit with multiple low balance fees that at times can be as high as {$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 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.

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 2019-04-13 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: AES/PHEAA
State: NC

Complaint narrative:
I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to sue this bank for discrimination they treat me horrible wont allow me to bank with them at all I apply for a chase prepaid any product they refuse this is not fair I have dont nothing wrong they are the ones at fault I want to sue them I need address and to know what I have to do my identity has been stolen and I cant bank with them I want to sue them I need to know where I have to go and the process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX- Requested Debt Validation per XXXX Finance Code 392.202. 

XXXX- Violation of XXXX finance code. No one responded, sent another letter to cease the collection activity. 

XXXX- No response, and still reporting to 3 Credit Bureau 's .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XXXX XXXX, 2019, I asked my bank ( XXXX  XXXX  ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : Experian, XXXX, and XXXX. Both Experian and XXXX  referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX information was mostly correct. I contacted XXXX  to dispute the incorrect information. After two calls, a XXXX representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting Experian either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like Experian and XXXX   permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like Experian and XXXX. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like Experian and XXXX  places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?

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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX 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 non-monetary relief