vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have ( had? ) a personal checking account with Citibank. I had a little over {$1300.00} in that account when on Monday XX/XX/XXXX I deposited a check from my mother for {$5000.00} Normally, Citibank takes a few days to clear the entire check and the bill I needed to pay I could pay next week, so I didn't think much and went on with my life On Friday XX/XX/XXXX, my debit card declined when I tried to buy a XXXX XXXX Railroad ticket to visit my mother. I didn't think this could be correct as I had over {$6000.00} in the account and the ticket was only {$9.00} I went upstairs to a citibank branch next to XXXX XXXX. My account and all my money were gone. I called the number on the back of my bank card, XXXX XXXX XXXX. The first four people who picked up HUNG UP ON ME After more than an hour on the phone, refusing to connect me with a supervisor, I finally got a person who informed me I had committed " bank fraud '' and had submitted a " fake check '' The check was from my mother, and from a XXXX account. XXXX confirmed with us that on XX/XX/XXXX the funds were withdrawn from my mother 's account and citibank was paid The check is NOT a fraud. Furthermore, when I asked about the {$1300.00} I had in the account before I even deposited the check in question, I was told that was also " gone '' Not only have they made a fake claim against me, they have illegally seized my funds. How can they get away with this?

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 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: MI

Complaint narrative:
-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX XXXX effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2018 trying to purchase gas with the XXXX CARD. It is not working. We are out of state traveling. Called number in back of XXXX card and after automated prompts told to call back during business hours ... do not TELL you the business hours. Most people travel on weekends ... it is summer after all. How can a customer not be able to get gas???? And then not be able to speak with customer service! Deplorable treatment of the customer! I called back again ... went thru the prompts. And tried to report that we were traveling. Again, we were told to call back during regular business hours!!! Which are not provided in the recording! Disgusting!!!

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 2018-07-14 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. 

We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. 

On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! 

I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. 
On average we get 1-3 calls a week. 
We owe no debts other than loans through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial
State: MI

Complaint narrative:
-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX Collection effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: KS

Complaint narrative:
The issue started over 15 years ago when Sallie-Mae split up and sold off my FSSL to 4 or 5 other lenders. I was sent statements by one lender, and thought I had paid all of my debt within 5 years. Two years after I thought my debt was paid, I was contacted by yet another lender ( so long ago, I don't remember who now ), stating I was going into default on my student loans. I began paying that company and ran into financial hardship. I was told the only way out was to request a forbearance. They kept me in forbearance for a couple of years. Then I lost contact with them, and for 10 years had no idea who was servicing my loans. Eventually, Navient wound up with my loans. When they demanded over {$400.00} a month for loan payments, I advised them there was no way I could make that kind of payment. They, too, said the only thing I could do to avoid default was to continually file for a forbearance. I was never offered any lower payment plan, was given no information on how to negotiate a lower payment. Out of total frustration and lack of communication on their part, and although I know it was the wrong thing to do, I simply quit making payments and taking out forbearances. My loan went into default earlier this year and they advised me they could not help me anymore, stating I needed to contact XXXX XXXX XXXX ( XXXX ), which I did. My last contact with Navient a year ago showed I owed a little under {$25000.00} on my student loans. Once I contacted XXXX, I was told my debt was now {$44000.00}, with no explanation as to where the extra {$20000.00} came from. At the time, I was not made aware that XXXX was a subsidiary of Navient. I entered into a contract with XXXX to get my loan into rehabilitation. I was told by an agent that my loan would be reported to the credit agencies on XX/XX/XXXX of this year if I didn't make payment arrangements through them. I was also told that if I entered into the payment arrangement prior to XX/XX/XXXX, and kept current on my payments, the default would not be reported. I have made two qualifying payments as required by XXXX, but this week I received a letter from XXXX XXXX XXXX XXXX, stating that I have failed to enter into a repayment plan, and the default has been reported to the credit bureaus. I have been attempting to contact XXXX for 4 days now and can not get through. I have left multiple voicemails, literally begging them to return my call, but to no avail. I am not disputing the original loan amount, nor am I disputing that I owe the debt. I am disputing the practices of the companies involved. I feel this debt could have been paid off in full had I been given the proper information.

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 2018-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a phone call from XXXX XXXX with MRS BPO stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to MRS BPO I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from MRS BPO states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 My XXXX   XXXX Retirement of {$500.00} is always deposited. 
I have attempted for 4 months to Transfer All The Required Information from Wells Fargo and to a different bank!! BUT!! every month that deposit goes to Wells Fargo?? 
In XX/XX/2018 I went to the HQ offices and with one of the Ladies together we completed ANOTHER TRANSFER DEPOSIT and my Pension was By XXXX FORMAL Requirement was sent to a Different Bank. WRONG!! Some way Wells Fargo received the Deposit and on the 2nd day ( XX/XX/XXXX ) again the deposit disappeared????? That is the money I pay and have been paying for many months to XXXX XXXX apparently owned by Wells Fargo? This is More Fraud, Theft, Conspiracy.

These Attacks, Fraud, Theft, Conspiracy should result with ALL THESE PEOPLE in Federal Prison for 10 years!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a promotional credit balance for interest free for 18 mos wihich is about to expire and I have a deferred interest of XXXX that I will be charged. The original charge was for XXXX and in the 18 months I have been paying-for many months I paid over the minimum amount-only XXXX has been deducted. Approximately XXXX of that was just deducted in the past month. This is only benefiting the company not the consumer. I pay my bills online and there was never an option to allocate the money to the promotional balance. The unreasonable expectation is that the customer calls every month to wait on hold and speak to someone to properly allocate the payment. I was advised the only way to remedy the situation was to pay the remaining promotional balance by XX/XX/XXXX in the amount of XXXX, which I am unable to do.

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 2018-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio. 

Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ... 

XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our  mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used. 

We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print. 

The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report. 

When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ... 

XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive. 

After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.

Company response to consumer: Closed with non-monetary relief