vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I filled out forms for a loan modification on XX/XX/XXXX. I received no response with the foreclosure date approaching I resent the loan modification packet on XX/XX/XXXX. I received a response from Rushmore stating that they do not do loan modifications for loans that are as far behind as mine they would also not accept it because it was less than 32 days before the sale. Yet again on XX/XX/XXXX they sent me ANOTHER LOAN MODIFICATION PACKET. If i am not eligible for ANYTHING as they stated why do they send this information to me? They have broken so many laws in collection of my mortgage. I have requested a breakdown of the loan where all the payments went from the inception of the loan I receive NOTHING. Not a print out of some computer information with balances for unknown amounts I requested an exact breakdown of where the debits and credits came from I received NOTHING I requested a payoff amount and what it comprised of I have received nothing but more packets to apply for modifications they say I am not eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. May I have a copy of my online application filled out online to get this credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have attempted to contact Portfolio Recovery many times with no follow or success. They refuse to validate the debt they are saying is owed. They state they are collecting on behalf of XXXX XXXX. I currently have a XXXX XXXX credit card so it makes no sense to have a current account but they are saying this account is from 2014 which is not true. This is not my account. Maybe it was my ex-husbands account but yet they refuse to send me proof that it is my account. I even sent a certified letter to reach an agreement to get this off my credit. This is keeping me from purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I'm submitting this complaint due to what I believe is a predatory lending scheme perpetrated by Freedom Mortgage. 

I first purchased my home in XX/XX/XXXX using a VA loan. I refinanced several months later to a much lower interest rate and mortgage payment offered by Freedom Mortgage : from 4.125 % to 3.25 %. 

My original mortgage payment with Freedom Mortgage was $ XXXX/month. Several months later, I received a supplemental tax bill from my local tax assessor for the taxes due as a result of the reassessment of my home 's value. Freedom Mortgage agreed to pay it and informed me that my payment would increase for 12 months to $ XXXX/month ; an increase of $ XXXX/month, which I completely understand and was fine with. 

Last month, I received a billing statement from Freedom Mortgage showing my monthly payment is increasing to {$4300.00} per month in XX/XX/XXXX! I was expecting my payment to return to the original amount of $ XXXX/month, so I was shocked when I received this. 

I immediately called and sent a follow up email. Their response was simply that my property taxes and property insurance went up. To be clear, my property insurance only went up by around {$20.00} per month, so that is a non issue. 

The bottom line, and why I'm filing this complaint is this : Freedom Mortgage failed to perform their due diligence when they assumed this mortgage from the previous lender, or they engaged in a bait and switch tactic. They know the sale price of my home, and they should also know the property tax rate for my area in California ; especially given the fact that property tax rates in California have been capped at 1 % due to Proposition 13 since XX/XX/XXXX!. They simply took the amount the previous owner had been paying for property taxes, based on a much lower recorded property value, and plugged that into their equation. This is either an egregious mistake on their part, or as I stated, a form of predatory lending. 

Either way, my monthly mortgage payment has increased from {$3300.00} to {$4300.00} over the past 18 months or so ... .an increase of over {$1000.00} that I can not afford! 

Please investigate this matter and help me out. I was directed to this site through the VA Home Loans Assistance website, so I'm sure I'm in good hands. 

Respectfully, Disgruntled U.S. XXXX Veteran

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which Transunion dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.

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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NV

Complaint narrative:
The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! 
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. 

Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. 

Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank rearranged posted transactions in order to maximize the number of overdrafts they could charge me. On XX/XX/XXXX before XXXX my account showed 3 preauthorized payments of a phone bill, gas bill and credit card bill coming out of the available balance. The account at this point was still in the positive. After XXXX a mortgage payment that was not supposed to be auto paid until XX/XX/XXXX was taken out causing the account to over draft. the next day on the XXXX Citizens bank rearranged the order in which these transactions posted the day before so instead of getting 1 overdraft fee they received 3. XXXX  XXXX XXXX and XXXX XXXX just were in a class action suit over this. This should not be allowed for the bank to rearrange postings in order to maximize their profit margin.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Critical Resolution Mediation LLC
State: IN

Complaint narrative:
" XXXX '' from XXXX XXXX XXXX, is obsessively calling me on my personal line and my work line, stating that a criminal charge of check fraud has been attached to my social security number and state ID. She did not even mention a debt, just continued on about criminal charges. I have no idea what this is about and I am aware of any debts I currently have and are in contact with those accounts, so this is nothing I am familiar with and seems fraudulent, as there is no proof or info to give me, just threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Transunion to have this account validated as I am certain the charge off being reported is erroneous. Transunion keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX using the number provided by Transunion 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Transunion for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle. 

I've uploaded several of the OFFICIAL investigation reports received from Transunion showing the same phone number and address for XXXX that simply loops you back to Transunion.

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 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Around the year 2000 I had a debt account with Bank of America. I was not notified about an overdraft and I was charged around 35 dollars a week I believe. So I ended up paying the bank {$600.00}.

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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair Collections & Outsourcing, known as FCO.

FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.

I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.

FCO has NOT shown they have the right to collect the ALLEGED debt.

FCO has NOT shown the ALLEGED debt is mine.

FCO has NOT shown the amount is accurate. 

In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which XXXX  dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The issue is with GM Financial. 

The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1.  Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread. 
Total : over {$850.00}. 

I figured I had 3 weeks to clear these up. So. 
1. Emblem was just covered in plasti dip, so I removed it. 
2. The charger was at home, the inspection was done at work. 
3. The spare key was at home, the inspection was done at work. 
4. Got the tire replaced with a used that had more tread. 

I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago. 

The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back. 

This is clearly a rip off. I even washed the car before giving it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: VA

Complaint narrative:
Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Most recently I have been disputing these accounts with Experian around XXXX early XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Experian on XX/XX/XXXX. Experian has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX 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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX Care Credit is stating on my credit report that I owe them {$500.00} on behalf of Care Credit account. I had a old Care Credit account back in 2010 that was paid in full for 2 years. Payments were made on time and monthly. No balance was left and now XXXX is reporting to the credit agencies that I owe them {$500.00} which is not true. I have contact them to ask for proof three times last year and yet they have followed up or responded to any of my request to validate the debt. However, they are still report this as negative on my credit report and it causing many problems for me and affecting me being able to establish credit for an auto loan.

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