vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank did not send monthly statement. I did not know credit card had a balance. Because I was not sent a statement and did not make a payment Citibank charged me interest on the balance and a late fee for not making a payment on time. This is clearly a scam to charge interest and late fees.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2019, my wife was involved in an elaborate scam that requested she purchase gift cards for the XXXX XXXX and Walmart to catch a " credit card '' scammer. The XXXX logo and website were a part of all the e-mails she received as well as an " XXXX '' representative when she called. The representative said that " if she purchased gift cards they would be able to track the person trying to " Steal Money '' from my wife and others. The XXXX Representative said the money would be refunded at the end of the day. 

My XXXX XXXX card company called me ( wife and I are on the same account ) and I denied the charges. My wife then called Capital One and XXXX XXXX XXXX ( 2 other credit cards ) immediately after I told her it had to be a scam. She then filed a police report with the XXXX, CT police department of which we have a copy. XXXX XXXX and XXXX XXXX XXXX have taken the charges off of our respective bills. 

Capital One is reapplying the charge of {$1500.00} this month to our bill. This is after two divisions of their company have investigated the charge. Their claim is that they have " no rights '' regarding the charge. Their claim is that she said she made the charge ( hoping to protect herself and others from a scam artist ) .. My understanding from them is that if she had said she didn't make the charge ( lied ) it would have been declared fraudulent and all would be resolved. 

After the company said they were reapplying the charge and that I could not speak with a company representative higher than who I was speaking with, I called the XXXX police department and the officer who created the report graciously called the credit card company and spoke with someone in the law enforcement division who was unhelpful. He wrote an addendum to his original report which my wife and I also have. I can supply all the different claim numbers and even the credentials of the last representative that I spoke with regarding the {$1500.00} charge. {$1500.00} is a lot of money and the claim can truly not be investigated as the XXXX XXXX store that the {$1500.00} gift card was supposed to be taken from did not exist ( it was the " scammer '' ). We can not afford to pay {$1500.00} that we did not receive anything for. 

The fraud/scam was reported immediately to both the credit card company and the police. I would like to resolve this without taking any legal action. Would CFPB be able to help resolve this issue with Capital One?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: DE

Complaint narrative:
The mortgage company is XXXX XXXX XXXX the issue is that I told them so many times that I can not pay my mortgage on the first of each month because the way money comes in. I have a good credit and I was never late Ill pay my mortgage around the XXXX XXXX or XXXX of each month therefore Im not late because of the grace period time that is given to us until the XXXX. They had stopped for a while but now again I called them again and they said that they will not stop calling ... .I get calls every day after the first and on emails attached to the call ... I think this is an harassment. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Requested an account modification by reducing payments or increasing the number of payments in XXXX. I was denied supposedly because they couldn't reach me. But, I received the denial letter. I paid the car note then we experienced another hardship due to Hurricane Barry. I requested another modification on XX/XX/XXXX and the papers were emailed on the same day. I had until XX/XX/2019 to submit the information. On XXXX the XXXX the car was repossessed during the night like I was a fugitive on the run. Now that the car has been repossessed and sold, I'm being offered a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: Central Portfolio Control Inc.
State: WA

Complaint narrative:
This company ( CBC ) repeatedly calls our business looking for people. We have told them that we are a school district and demanded they stop calling. Also reported them to the XXXX  last month. They are still continuing to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This complaint is regarding account # XXXX '' payment after charge off/collection, purchased by another lender '' which you claim that has verified that account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.This is a formal notice that your claim is disputed. Any automated response or XXXX verification is unacceptable. I requesting a reinvestigation and last chance to provide me method of verification I am requesting validation, made pursuant to the Fair credit reporting act along with the corresponding local state laws.

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 2019-10-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX loan for my XXXX XXXX was signed in XX/XX/XXXX. 

The car was stolen in XXXX. 

XXXX charged off debt balance and sold debt to Portfolio Recovery Associates. 

Portfolio recovery associates continues to report debt balance as new or current. I disputed the information twice with XXXX XXXX and the credit bureaus. 

I also mailed a copy of the loan agreement that states the date signed of XX/XX/XXXX. 

The account for XXXX XXXX is also being reported as new and current. This loan card is also older than 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded. 

The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations. 

I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking. 

In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me. 

I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me. 

The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me. 

I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I open a month to month membership with XXXX XXXX and after using it for a couple of months I chose to end my membership. Well months later I received calls and letters from aldous and associates stating I owe them {$300.00} for that month to month membership I tried contacting the gym and the gym would sent me back to aldous and associates. Eventually it got to the point where NOBODY was able to help the only thing left was to pay them because no one could take care of the matter. So now i was being forced to pay them an amount of money i didnt owe XXXX. I explained this to not only XXXX XXXX but also the collections agents but all the ever did for me was threatened me that if I didnt pay I was going to be sent to collections and that it would impact my credit score. So I started to make payments I could afford. Since I didnt pay their minimum ( {$100.00} per call with their agents ) I got put to collections on the credit bureaus causing my credit to drop by 35 points. I reached out once more to try to come up with a fair closing and all they did was tell me they couldnt do anything. This is by far the most unethical way to make money by XXXX XXXX and aldous and associates. Taking advantage of the power they have to break your credit score to force civilians to pay them what you DONT owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Around XX/XX/XXXX I notified Ocwen Mortgage of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department of Veterans Affairs and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the Ocwen Mortgage reappeared on my XXXX  credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. XXXX responded with Ocwen said it was a factual debt. I have fought with Ocwen over this mortgage and all the XXXX day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX XXXX  credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Company : Asset Recovery Associates XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
Received the loan from 21st mortgage on XX/XX/2019. they advertise loans with 10 percent interest rate and terms upto 23 years. Our loan is for 10 and one half years and interest of 11.74. I believe they discriminate based on age, giving higher interest rates and shorter terms to older consumers. 
I contacted them with my complaint and they gave me a bogis answer that I never heard during our loan application process. At the time of our loan negotiation that excuse was never mentioned. My loan is for a small mobile home on rented land, we gave 10 percent down and ended up with a loan amount of {$45000.00} with payment of XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX of 2019 I contacted XXXX XXXX XXXX services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX services today and they state that the accounts are closed and with XXXX  balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed a charge with XXXX XXXXXXXX. I did not open an account. The amounts were provisionally refunded and the card was cancelled and I was issued another card. The subsequent mastercard was also charged an amount by XXXX XXXXXXXX and my account was frozen. After the banks further investigation they stated they were unable to resolve the matter in my favor and charged back my account the amounts. 

Upon further investigation I have found that MasterCard/Citi are part of a credit card updater program which allows for Merchants to automatically receive updated credit card information. My credit card info, after I stated this information was obtained via fraudlent means was given again to this creditor. My new card information is being given to a vendor that I have stated repeatedly has obtained my information via fraudulent means and I the customer is having to pay for fees associated. I need this resolved as soon as possible.

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 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Naviet aka predatory leading got my account that was originally with XXXX. I tried countless times to lower my payment. XXXX XXXX XXXX XXXX is closed and no longer in existence. Navient took my 2015 tax return of {$3300.00}. My loan amount was {$5000.00} it went up to {$10000.00} dollars in less than 5 years. This company is praying on peoples wallets this can not be legal. I seriously need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX XXXX XXXX and XXXX and XXXX  accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient Solutions , LLC . has contacted several of my family members about my student loan debt. They have contacted people that I do not speak with just because they have the same last name as me. I spoke with Navient and informed them that I lost my job and was denied unemployment and as a result would not be able to make my payments. As a result of this, I was asked if by one of their representatives if " a family member would lend me money to pay it? '' My family has nothing to do with my loans as they are not cosigners, and were not listed as references on my application. The Fair Debt Collection Practices Act states that " A debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party ''. My family has received multiple calls from Navient and never requested to be called again. If this continues, I will tell them to pursue a claim against Navient for abuse or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I opened a Toys R Us charge account XX/XX/XXXX and paid the account in full in XX/XX/XXXX. However, I was informed this account was delinquent so I began investigating it and found Synchrony Bank omitted several payments and continued to add bogus late fees and penalties without ever sending me any notices. You can readily see the credit limit was {$200.00} but the balance rapidly escalated to over {$400.00} which is impossible. 

Synchrony Bank has a widely known reputation of omitting payments and " fee stacking '' where they add late fees and penalties. 

This negative account has been falsely reported to credit reporting agencies.

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