vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. 

I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. 

Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof  of all cashed payments and left XXXX voicemail and she has not responded at all. 

I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Repeated robo calls at different times of the day and from different phone numbers. XXXX XXXX is what pulls up on phone ID. We have no dealings with this company and it will not stop. Madding ... .First calls start every morning at XXXX. I have blocked on XXXX and on XXXX. Phone rings once and stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the  XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX  added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX  aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX  about XXXX XXXX   resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citimortgage processes partial payments in a manner that is harmful to consumers, who never have a say in who their mortgage servicer is. In my case, they bought my mortgage from my original servicer, so I am stuck with their harmful practices. 

Citimortgage does not apply partial payments to an outstanding monthly payment. Instead, they apply a partial payment as an additional principal payment. It is common for US workers to get paid twice a month. Therefore, it is logical that someone like myself to pay half of his or her mortgage payment from each paycheck. Because Citimortgage applies each of my 1/2 mortgage payments as an additional principal even when the monthly balance is still due, I have to manually call in every month to have them fix the account. If I don't make the call, they send a derogatory note to credit reporting companies or a report other than " on time '' such as " we worked this out '', which appears to impact credit scores. 

Since Citimortgage is a financial institution, they should know how to apply payments toward debts. All financial institutions should be required to apply payments to outstanding monthly balances first. Only once the monthly payment is satisfied should any additional amounts be applied as extra. For example, consider the scenario where I borrow {$100.00} from you, and we have an agreement that I'll pay that back over 2 months as {$50.00} each month. In other words, I owe you {$50.00} in 30 days, and another {$50.00} 30 days after that. If 15 days from now I give you {$30.00}, you would know that I still owe you another {$20.00} to fulfill my $ XXXX monthly payment. You would also consider my outstanding balance to be {$70.00} now. If I give you the remaining {$20.00} 15 days after that, you would acknowledge that I met my $ XXXX monthly obligation. In fact, you would probably be thrilled to get the first {$30.00} well in advance of when the first payment is due! 

This simple logic escapes Citimortgage. Their practice of applying partial payments as an additional payment even when there is an outstanding monthly payment due is unnecessarily harmful to customers ' credit worthiness and potentially to the ownership of their home. 

When I pointed this out to Citimortgage, I was told simply that they do not have a semi-monthly payment plan. However, a payment plan isn't needed. Basic logic and common sense is all that is required.

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 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Effective XXXX XX/XX/2018 Citibank will charge {$25.00} a month just to have a checking account and {$2.00} for each withdrawal. I have had a checking account in good standing for over XXXX years. This is unjustified and will cause a financial burden for my family.

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 2018-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I was renting this apartment and was paying on time.then i made a rent payment in the dropbox me and my roommate and somebody else were dropping their payment off.i was notified about 3 days later that they did not recieved my rent payment.i show them the money order reciept.where i made payment.so somebody that worked in the rented offices had to take the rental payment.which was XXXX total.i showed them in the rental office my proof.well they stated that they will extended my rental period to come back up with the money.i stated thats not fair.somebody in your rental department is taken people rental payment.and it happen several time before it happen to me.so i made a stop payment on the money order but it was to late.the money order was forge in XXXX virginia.so i made an police report and everything.but the whole sitution was still brushoff by the rental office.so i tryed to figth it in court.but they lied in court.filed false docment.and then charge me.all kind of late fees.i am disputeing this debt.because i didnt owe this company money.how are you going to make pay.again and my money was stolen out your rental office thats nelegect.on the rental company but punish me for their mistake.then charge me court cost.and attorney fees.this apartment complex should still be investigated.they have been many tentant the same way and now they put this on my credit report.that unacceptable.and its not affair when consumer try to figth these big corporate they use all kind of scams to beat the little man.and credit companys just take these theives words and place these things on people credit and damage they lifes it not fair.i want this remove.or a 100 word statement under this report with the apartment complex name add in it.for consumer to know not to deal with them or consumer that have experiences the same thing that i have.thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
hi i have 2 hard inquierys on my transunion credit agency,  the company is XXXX they are located in XXXX florida, the first inquiry was from XX/XX/2016, the second inquiery from XXXX was XX/XX/XXXX. on my report it says XXXX / XXXX XXXX XXXX XXXX , i first called XXXX about it a month ago and they said it happens qll the time and the couldnt fix it and said to call transunion which i did and they said they couldn fix it untill i got a letted of deletion from XXXX, so i call XXXX to get deletion letter and they said that they dont have a XXXX XXXX credit card division or no affiliation with that copany, now mind you i researched this company and they have well over 100 accounts dealing and specialising in this area, i asked XXXX how coudn he even know every credit card affliation of this company and he said he was positive there wast one and told me to call transunion to take it off and they said no, not without the deletion letter so you see i fedl like im stuck between a rock and a hard spot cause they both wont help me aw you see so if you can help me get this resolve i would appreciate that, so when it comes down to it if XXXX  is truthfull then the very least since transunion is the reporting crexit agency i think they should bzle held responsible for removing it. and just so you know i did n9t apply for credit and or autherize anyone or approve anyone to hard pull my credit ; thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: Garrison Investment Group
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX  ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission All three of these are hard inquiries. I've only dealt with foundation finance in XXXX and haven't since then. I need All hard inquiries removed and i need Them blocked from running my credit I'm the future

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I applied for loans online, a company named Cash Central sent me a message saying I was approved for $ XXXX {$5000.00} dollar loan. I agreed to a {$2000.00} loan in which I would pay {$100.00} dollars a month for a XXXX installment. They emailed me the contract in which I agreed to. They asked for my account number in which I agreed to because they needed to verify that I had a source of income. When they looked into my account they saw that I was over drafted ( that's why I need the loan ) to cover the over draft and try to clear out other debts. They said they had two options they could help me out before giving a loan. It's either I showed them a {$100.00} that would be part of the first month payment ( that I clearly didn't have ), or they would send {$500.00} dollars that would cover my over drafted amount and I was to send them back the rest of the amount as good faith. This all happened XX/XX/2018. They kept asking me why haven't I sent the rest back yet and that's when I told them I haven't received it. When I spoke to XXXX on the XXXX they said it takes about XXXX business days for them to clear. on the XXXX when I spoke to XXXX ( because I noticed the funds still weren't there ) they said it came back as fictitious. Cash Central had also deposit XXXX additional {$250.00} deposits. When I spoke to Cash Central about the {$500.00} deposit they said it appear that way because it was cancelled that the additional {$250.00} deposits should go through. When I spoke to XXXX again they said those funds should go through but they were going to hold it till the XXXX because the first check came from the same place and it was fictitious. By the XXXX I noticed that I was being charged return fee on those deposits ( I was also charged return fee on the {$500.00} deposit as well ; {$15.00} each ). When I spoke to XXXX they said those were fraud, so they transferred me to their fraud department. Fraud told me that I had to physically go into a bank to fill out some forms and also get a new account because this one has been compromised. XXXX was no help and basically said I would be accountable for the situation because I gave them my information, but to my knowledge I thought I was dealing with a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX CLOSED XXXX XXXX CREDIT CARDE ACCOUNT BECOUSE XXXX XXXX CHANGED THE LAST 4 NUMBERS THE SAME CREDIT CARDE. AFTER I SPOKE TO SUPERVISER FROM EQUIFAX AND HE REFUSE TO CORRECT THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A company set up a payment on the wrong date. I incurred XXXX overdraft fees on XX/XX/2018. As soon as I noticed I deposited the money on XX/XX/XXXX. I called to explain to bank. They reversed XXXX overdraft fee and refused to refund the XXXX fee even though it was not authorized on that date. I was advised I would have to dispute the transaction. I was not trying to go through all that since I just added the funds to cover the ach. I explained to them that I did not notice as I had just put my dog to sleep and checking my account was not a priority at that time. They had no empathy and even the managers were extremely rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NV

Complaint narrative:
My mortgage company, by default, is Selene Finance. I had never missed a payment until last fall ( which was due to greatly decreased income as a result of having to retire on XXXX ). I tried to get caught, but they would not take my payments. I applied for and reciev d ( in XXXX ) a grant from XXXX XXXX XXXX in the amount of XXXX. I have been trying to work with SF sorry nce them to get them to accept the grant money and modify my loan an. They did not send me the paperwork until XXXX, which I returned by the end of the month. 
Meanwhile, theyve been sending methreatening letters, charging me late fees and further interest. Today I finally recieved another bill from them, in which they have accepted the money, but the staement says I owe XXXX months, XXXX late month with added fees, but they have not sent a loan modification, or lowered my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd
State: RI

Complaint narrative:
On or about XX/XX/XXXX I received a collection letter from Rossi Law Office, LTD on a collection for a XXXX bill dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
On this same day I called XXXX XXXX regarding this letter and bill from over 2 years ago. 
I spoke to a woman in the billling department regarding this letter as I have never received a bill or notification that money was owed. I was told this debt was sent to this Law Firm awhile ago, and was directed to call the Law Offices. 
I then called the Rossi Law Offices and spoke with a woman who claimed they have had this file for " almost a year ''. At this point I am beyond overwhelmed, scared and confused of a bill of almost {$6000.00}. In my fear I quickly made a payment arrangement to avoid legal actions. I am legally XXXX and live on a fixed income and now widowed. This is where this bill is coming from, on the date of service My XXXX was XXXX in a XXXX XXXX. My XXXX had insurance and this would have been paid with all remaining bills. After speaking to several people regarding this bill, I was told to contact the CFPB. Something is definitly off with this whole situation. 
I was assured this was all taken care of and have never seen a bill since?

Company response to consumer: Closed with explanation