vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
There were fraudulent charges on the BestBuy account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( BestBuy ). They continued reporting and responded XX/XX/XXXX with a resolution. BestBuy concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by BestBuy, XXXX XXXX, and finally XXXX XXXX XXXX. I received a letter from Citi on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. BestBuy informed that I had to contact the new company XXXX XXXX XXXX to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.

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 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. 

XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. 

XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX  in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.

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 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XX/XX/XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XX/XX/XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXXl, since the amount was wrong, I still owed a small balance and I paid that off in XX/XX/XXXX. In the meantime, XXXX marked me late 30 days for the month of XX/XX/XXXX, reported the late to the credit bureaus, then marked the account paid in full in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
We received an insurance claim check from our homeowners insurance to repair our roof. Our mortgage company Pennymac Loans will not endorse and release our claim check, while our roof is literally falling down around us. Ours is not an isolated incident. Pennymac is notorious for this practice. Class action lawsuits have been filed against Pennymac for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. 

Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: KY

Complaint narrative:
I was on an income driven repayment plan, based on my not working i didt have to pay anything. Then my recertification came up. I wasnt even sent a letter or aware that I needed to recertify it. After figuring out I did, i sent everything they asked only to be told I didnt check this box once then 30 days later I was told I didn't send in the right check stubs only to be told 30 days later I did. Got an apology and on they went. After calculating my husband 's income I now pay XXXX a month and have ever since they got it going again in XX/XX/XXXX. This is where my problem really begins. I was set up on auto pay and have made every single payment on time. Twice since XX/XX/XXXX I have been reported to the credit bureaus that my balance has increased 70 and my score has dropped over 100 points. I called to find out why. The first time they reported and dropped my score 72 points, They said it was because of the change in my payments. Well they just reported in XX/XX/XXXX again, that I have a 70 increase on my loan. Twice now. My score dropped 48 points this time. I called them to find out what I could do to stop this. They said they are showing no increase that I was wrong and refused to further help me. I called three times trying to get them to help me all they would tell me is send in a complaint and they'd respond in thirty days. I dont know what to do. I am making my payment they said to make, they said my loan is decreasing when I call, but they are reporting that it's going up. I am getting nowhere with them. My interest is at XXXX with them on a XXXX loan since XX/XX/XXXX. At this rate i might as well give up. I won't have any credit at all in two years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I continue to try and resolve unauthorized inquires on my credit. I have reached out to transunion again as well as the credit companies. What are my next steps before I file a lawsuit against every party involved? for example XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this information provided by transunion is incorrect. That number is for pest control. 
Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this company can not verify any of my information to date!! 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Can Transunion provide proof of verification that they have from these companies, since the companies are refusing to provide it? I also filed a complaint with the FTC. My next steps would be me and my attorney

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 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.

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 2018-06-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX  XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report.

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 2018-06-12 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, I was reviewing my XXXX XXXX XXXX XXXX credit report and notice an inquiry that was made without my consent by XXXX XXXX XXXX fl on XX/XX/XXXX. 

I contacted XXXX XXXX who is in XXXX XXXX XXXX fl customer service on XX/XX/XXXX expressing my intent to have the said inquiry deleted, XXXX stated he could not assist me. 

On XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, report # XXXX. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX fl a FDCPA validation letter.

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 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I'VE CONTACTED PHOENIX FINANCIAL SERVICES TO VERIFY DEBT IN WHICH THEY'RE UNABLE TO BECAUSE OF HIPPA VIOLATIONS WITH THIS BEING AN HOSPITAL ACCT LINKED TO XXXX XXXX XXXX. THIS DEBT LISTED IS A HIPPA VIOLATION IN WHICH THE 3 BUREAUS KEEP REMOVING AN CONTINUE TO PLACE BACK ON MY CREDIT REPORTS WITHOUT ANY WRITTEN CONTACT WITH ME. THIS NEGATIVE DEBT REFLECTS POORLY ON MY CREDIT REPORTS AN THE 3 BUREAUS ARE UNLAWFULLY PLACING HIPPA WITHIN MY CREDIT FILES. PLEASE ASSIST WITH THIS MATTER. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My wife is an authorized user on my XXXX XXXX  account and she is the person who pays the bill. She has a card with XXXX XXXX, in her name, pertaining to my account. On XX/XX/2018 my wife called in a payment to XXXX XXXX  to pay the bill in full. The automated voice stated that the balance on the account was {$500.00} and asked if she wanted to make the minimum payment or if she wanted to pay the bill for the full amount due of {$500.00}. She made the payment in full for the {$500.00}. Yesterday, XXXX XXXX  called our home to state that they wanted to speak with me. My wife put them on speaker phone and I gave them permission to speak with her but they stated that " Massachusetts law '' would not permit them to speak with her. I asked that they cite the law they were speaking of and they had no knowledge of the law - but doing what they were " told to do ''. Needless to say, they never had a problem taking a payment from my wife over the phone. They then went on to state that we were delinquent approximately {$20.00} due to interest ( {$10.00} ) and a late fee ( {$10.00} ). We inquired how there could possibly be interest charged to an account that now has a XXXX balance for the next billing cycle after the bill was paid in full. This was even confirmed with their automated pay department. We have had these issues in the past. Once before, the bill was paid in full by my wife over the phone. Two months later my wife and I went to XXXX XXXX and our card was declined because there was a {$2.00} " service charge '' balance that was not paid the month prior, although the bill WAS PAID IN FULL!!!!. If this is happening to us, this is certainly happening to other card holders!!! They are nickel and diming their customers on bogus fees and interest charges on ACCOUNTS THAT HAVE XXXX BALANCES!!!!! The person my wife and I spoke with was XXXX XXXX ID # XXXX, who identified herself as a manager, refused to speak with my wife even after I gave her permission to do so and asked me if I wanted to authorize a payment ON " HER '' BANK ACCOUNT - ON THEIR RECORDS, WHICH MY NAME IS NOT ON!!!!. IT IS HER PERSONAL BANK ACCOUNT!!

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 2018-06-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notification on my mobile device regarding unauthorized charges ( total amount of {$1000.00} ) made against my checking account with Chase Bank. Immediately, I contacted that institution concerning the fraudulent transactions whereas Chase Bank took the following actions : 1. Cancelled my Chase ATM debit card 2. Reissued me a new Chase ATM debit card 3. Reversed the unauthorized charges. 

Subsequently, on XX/XX/XXXX, the unauthorized charges were reinstated on my checking account. After numerous discussions with representatives from Chase 's claims department, including my numerous requests for their investigation procedures pertaining to my account, and any evidence regarding the unauthorized transactions, I was told they concluded the transactions were my responsibility and are in the belief that I had conducted them. I find this preposterous. Under Regulation E of the Federal Banking Code, I am warranted consumer protections against fraudulent activity committed against my bank accounts.

Chase Bank is alleging the transactions are mine. How can this be when the fraudulent activity occurred in XXXX California while I was in XXXX XXXX? The criminal acts began at XXXX XXXX  with the final occurrence at XXXX XXXX. I had last used my Chase debit card that same day at XXXX XXXX. So what Chase alleges, is that I purchased multiple items in XXXX XXXX and somehow made it to the XXXX XXXX XX/XX/XXXX store in a little over two hours. That is logistically impossible. However, Chase refuses to listen to logic and insists I am the person who made the unauthorized charges. I will reiterate, they have not released, to me, any information regarding their investigation into this matter, nor have they provided any evidence as to committed the unauthorized transactions. I strongly suspect, Chase Bank did not perform its due diligence investigating this matter, and figured their path of least resistance is to blame the customer as opposed to making a good faith effort in discovering the truth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We had a fixed rate VA mortgage until Freedom Mortgage bought out our mortgage company, then they raised our interest two or three times. We swallowed the raises at that time, but no more! Now we payed off our mortgage and have had multiple problems. 
On XX/XX/XXXX we got a payoff statement of a figure of {$1100.00}. We sent the check on XX/XX/XXXX, and they cashed it on XX/XX/XXXX.

On XX/XX/XXXX we got a check for the escrow money, which should have been {$210.00}, but the check was for {$130.00}.

Every time we called them between XX/XX/XXXX and XX/XX/XXXX, they said we still owed them money. However, when they checked into it, they said it had been posted wrong on their end and we were correct. Now they deducted their error from our escrow check.

The escrow was to pay any taxes and insurance, however, we have been paying our taxes and insurance separately. At the end of each year they would send us a check to cover our payments.

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