vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank produced a file loan location history for my mortgage but refuses to tell me the meaning of the codes or to produce documents. The phone personnel say that it is a second loan but can not give further information. the mortgage XXXX is jointly titled to XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. 

Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX  balance. 

I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. 

This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.

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 2018-01-10 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: KY

Complaint narrative:
i recieved a notice from XXXX dated XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX, thanking me for opening a credit card with XXXX, in the name of XXXXXXXXXXXX. I did not open a credit card with XXXX through XXXX XXXX XXXX. I notified XXXX on XXXX/XXXX/XXXX that this was fraud. I filed a police report on XXXX/XXXX/XXXX with the XXXX XXXX Police Department. On XXXX/XXXX/XXXX, I recieed a letter from XXXX about the fraud report. I filled it out and returned to them. On XXXX/XXXX/XXXX. I recieved a bill from XXXX XXXX XXXXr where someone rented a card in my name. I notified them that this was not me. I filled out an affidavit and had it notarized and returned to them with a copy of the police report. XXXX XXXX XXXX called me on XXXX/XXXX/XXXX, concerning damage to this same vehicle. I sent them a copy of police report and affidavit. I also sent a letter to Equifax, stating this was fraud and to remove from my credit report. They have not did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP
State: VA

Complaint narrative:
To Whom It XXXX Concern, On numerous occasions beginning in XXXX of XXXX, we have applied for and been denied a home loan modification. On numerous occasions they asked for documents that were previously submitted, only to deny us for reasons that do not make sense financially. Most recently, we submitted a short sale package to our lender XXXX now XXXX Mortgage. They have repeatedly asked for documents that were previously submitted. They have done this in an attempt to reject the short sale package and move to foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: NY

Complaint narrative:
I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX calling about a debt i do not owe and better stop calling or i will sue them!

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 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase will not allow me to withdraw my money. 

This is a scam company that wont allow a bank account to be set up therefore unable to withdraw!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: IL

Complaint narrative:
I was notified in writing by collection agency Will-Rush regarding debt and it showed up on my XXXX credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
They will not stop calling after telling them 3 times to stop. This time the lady XXXX got rude and began harassing me, saying " we do not even know who they are '' in a threatening tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2017, My Coinbase account ( under my email : XXXXXXXXXXXX - Case Number # XXXX ) was unsuspectedly suspended. It is most likely due to a faulty chargeback from my bank. Since there is a debit in my account, I have tried depositing the proper funds to unfreeze my account. When I submit to deposit the proper amount of funds - it says the payment was cancelled yet my account says there is {$0.00} of debit I owe. So after, when I found out Coinbase has cancelled transactions with that bank account associated with the chargeback, I tried setting up another payment option, which I have verified through Coinbase. Since it still only says {$0.00} owed my account is still frozen and I can not pay off the original debit of {$700.00}. I have contacted Coinbase support via telephone and they told me my ticket was placed with a department specialist on XXXX XXXX. They have locked me out of my XXXX account so I can not even log-in to see my funds, which I ca n't even see if they are even there. I have heard nothing from Coinbase support since. I either need my my account un-froze so I can transfer funds from my XXXX account to my coinbase account or re-instate my XXXX Checking to deposit the proper funds. If by the time this message is received by Coinbase and I was finally able to deposit the funds owed, then promptly un-freeze my account. Thank you. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.

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 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: TX

Complaint narrative:
XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: OR

Complaint narrative:
Loan officer requested signature loan and prelim came back with 150 day late pay. To my knowledge my payments have never been late, even with prior hardship I made arrangements and have paid the correct amount, on time, since inception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my Transunion and XXXX reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.

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 2018-01-10 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: LD Holdings Group, LLC
State: VA

Complaint narrative:
In her response to our CFPB complaint ( XXXX ), XXXX XXXX XXXX has used inaccuracies to justify LoanDepot maintaining a Delinquent Account alert against my credit reports. She states that all statements concerning this situation were sent to me and also placed on their website ( attached ). This is not true! I never received these documents and was completely ignorant of their existence till we received their letter dated XXXX XXXX XXXX with a XXXX check as return payment for our XXXX XXXX loan payment ( attached ). We immediately sent in a total of XXXX in a check and electronic payments to get us current. 
Based on my immediate monetary response to LoanDepot after receipt of the only document ever " sent '' by LoanDepot, I feel the " Delinquent Account '' notification against my credit reports is no longer justified but is being maintained to punish me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
5/3 bank jerked me around on a short sale on my home. They took much longer then promised and caused the buyer to walk. They then offered me a deed-in-lieu. I signed all the paperwork, appraisal was done and received by me stating to go ahead with the deed-in-lieu. Asked for an update in XXXX and was told that it was awaiting HUD approval or denial. Got told yesterday that they had closed my file on XXXX XXXX with no resolution from HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND

Company response to consumer: Closed with explanation