vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: U.S. BANCORP
State: NV

Complaint narrative:
set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.

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 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 14 months ago, I had unexpected injuries that put me in the hospital and unable to continue working. I reached out to Citi Mortgage to explain my situation and submitted documents/financial information in hopes they could help me get back on track. I did send in documents but the lender kept asking for more and more information and it felt I was continuously sending in document after document, although I had already sent them in. At no point during the review was I provided a designated point of contact and eventually the review was closed because they stated I did not send in all the documents when I in fact did. I reached out to Citi again recently and they advised I had one day to send in all the information again or the foreclosure would proceed. That put a lot of pressure on me and there was no way I was going to be able to send in everything that day. I am now facing a foreclosure sale date in 4 days and out of options..

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 2018-02-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.

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 2018-02-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I received notification Equifax, Inc was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue. 

XX/XX/XXXX/XX/XX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. Equifax does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XX/XX/XXXX/XX/XX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XX/XX/XXXX/XX/XX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient does not make IMPORTANT information available - it's not available through their website, they do not send me mail or email, and they do not call me. As you can imagine, I was surprised when my Income-Based Repayment plan expired and I received a loan bill for more than half of my monthly income. It turns out that you are supposed to renew IBR plans every year, but I wasn't informed that I needed to, and I didn't know that it had expired until the bill had arrived. Navient gets the benefit of capitalizing unpaid interest on my loan and ultimately costing me more. It's disgusting that they're still doing this after multiple lawsuits were filed ( regarding the same behavior ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX XXXXccount included in bankruptcy reported on XXXX Chapter XXXX bankruptcy filing on XXXX, Transunion and 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 2018-02-14 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: CA

Complaint narrative:
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX account included in bankruptcy reported on Experian Chapter XXXX bankruptcy filing on Experian, XXXX  and 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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hard inquiry in my credit report from : XXXX/XXXX on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

Also from Chase Card on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX XXXX XXXX, multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XX/XX/XXXX 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC.
State: MO

Complaint narrative:
I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: MN

Complaint narrative:
I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I received notification XXXX, XXXX was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue.

XXXX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. XXXX does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XXXX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XXXX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank allowed approximately {$3000.00} to be deducted from my bank account between XXXX and XX/XX/2017. The money was pulled by XXXX XXXX daily. Citizens would not provide the documentation needed to recover the unauthorized funds, which led to hardship. Banks need to be watchful of excessive activity on an account that is out of line with prior activity. Daily ACH pulls in the amounts of {$75.00} to {$100.00} should be a red flag for a bank. Other banks will notify customers if they see excessive activity on an account. My property is now going into foreclosure because I can't recover the money. While Citizens isn't responsible for the activity, they are responsible for alerting their customers when activity on an account is excessive. I have provided them extensive documentation on why the activity was fraudulent, including phone records from various states and calls made at 3 or 4 in the morning. The bank has taken a very passive approach to this information, closed my account, and has ignored the documentation. FDIC insurance is null in this case. If someone were to come into the bank and steal from the account that's considered serious. Because it was done by phone and computer, the bank is not acknowledging any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



.

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 2018-02-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the XXXX point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

Equifax systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. Equifax rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. XXXX XXXX XXXX XXXX neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CT

Complaint narrative:
I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.

Company response to consumer: Closed with monetary relief