vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On Tuesday XX/XX/XXXX I received a phone call from XXXX at XXXX XXXX. I answered, and it had me press " 9 '' to continue, which I did. I held for a moment confused by what was going on. 

Finally, a woman started asking me my phone number and was very rude telling me I owed CITI bank a debt from XXXX and needed to pay them NOW {$2000.00} or they would file litigation against me and that would cost me over {$5000.00} and they would garnish my wages of 30 %. She asked if I wanted to be transferred " upstairs '' to get this taken care of. I explained I had no idea what she was talking about, let alone from 13 years ago. She said they mailed me something in a YELLOW envelope, but people usually throw it away thinking it's junk mail ; I explained I probably did the same thing. I even asked for documentation and she said no, I could be transferred but I had to pay and be transferred or they would take me to court. I again requested information and she wouldn't provide me with anything. 

She continued being very harsh with me and I kept asking her to be patient with me as I am trying to understand what is going on. I continually asked her to be patient that I am speaking nicely to her and not yelling, I understand that she probably gets yelled at often but if she is going explain what is going on, what company she is calling from explain I would appreciate it. She continually said that if I don't pay they will take legal actions against me and do I want to be transferred. 

I asked her who did she represent. Was it CITI Bank or another company. She said, " XXXX XXXX ''. I asked the litigation of who? CITI or someone else. She said she was with the XXXX XXXX. OF CITI BANK collecting debt. So, I asked her again, because she was getting loud and frustrated with me as I was trying to understand and kept saying they'll take me to court and was being rude. I explained that I was being nice to her trying to understand. I then asked for her to transfer me to a manager if she couldn't be nice and patiently explain this to me that maybe that person would. She would not transfer me. I then asked for her name at which point she then hung up on me! I have no idea what is going on, what the actual name of the company is or if there is an actual debt I am not aware of from 13 years ago! 

So, I am still without any understanding of who/what this company is, who called ( other than the " CITI Bank XXXX XXXX '' any documentation and concerns about a suit being filed against me for I don't know what about an unknown debt from 13 years ago!

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 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. 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 monetary relief
Consumer complaint received 2018-04-24 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: AL

Complaint narrative:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: AL

Complaint narrative:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate 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 2018-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to book a room for the weekend, after successfully booking room the representative asked if I would be interested in learning more about a free vacation I accepted to hear more information. After being transferred to XXXX XXXX  the rep went through all the details, I provided all my debit card information to the representative he said it didn't go through. He asked me to put him on hold to contact my bank to see what was going on. I placed the representative on hold contacted my bank and found out there was no reason for the charge of {$240.00} not to go through. The representative and I then got disconnected and the transaction was incomplete. I contacted my bank a week after to report a claim on the charges, they gave me a credit for the amount on XX/XX/XXXX. On XX/XX/XXXX the bank reversed the payment saying that I did business with the merchant. I have explained to my financial institute that the charge was not authorized, they advised me I need to contact the merchant at this time. I reached out the the merchant on several occasions through email, which is the preferred way they advised me of to request a refund. The last email send was on XX/XX/XXXX, the previous time was in XX/XX/XXXX with no response back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Back in XX/XX/XXXX, I received a phone call from XXXX XXXX, a gentleman advised me that their company is attempting to collect a debt and that this items is already placed on my credit report, he is giving me the opportunity to pay the debt. I advised him that I do not owe anything to this company. This debt was paid through Federal Student Loans, Subsidized Loans and Pell Grants and if he placed anything on my credit report I will sue. I received a letter back in XXXX advising me that they can cut the payments to pay in full for {$12.00}, why would I pay for a debt I don't owe. On XX/XX/XXXX, I received a letter stating that I have verbally disputed this account and they will hold off on any proceedings, I wrote them a letter dated XX/XX/XXXX stating to validate this debt, In all correspondences this company never validated this debt nor sent me any information to prove this debt which I asked but now this company is on my credit 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 explanation
Consumer complaint received 2018-04-24 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: CT

Complaint narrative:
I have been making payments on my credit card. When I would be charged a returned check fee more then three times. I would call my bank and the credit card company at the same time was told by my bank that there was no returned payments. Citibank would still not waive the the fee I continued to make payment but it accured again. So I closed the credit card.

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
About two weeks ago I was traveling and had to make a call due to continuing web access problems to get my account balance from my bank Wells Fargo. After getting my balance the Customer Service Rep. informed me that if I did not " enroll '' in some Bank " travel program '' I " may '' have my cards declined or holds put on them. So they want me to inform them if I travel when and where I will be or I " may '' have problems out of state. I would think they can put what ever restrictions they want on my credit card as that is their money. But how can they threaten to withhold my personal funds by declining my ATM because I have left my home state? This is to me extortion to threaten to deny my access to my own money if I fail to participate in the " please burglarize these empty homes list ''. They can not keep my cards safe as I have been hacked 2 times in 2 years why should I trust them with when I will not be home?. There own Customer Service people showed their honesty when they opened millions of bogus customer accounts. And I should trust these same people to keep it a secret that I am not home, really? It is none of Wells Fargo 's business when and where I travel. Are the selling this info? I feel sure there are laws preventing a bank for using extortion tactics to deny assess to your own money. I have traveled to the 48 contiguous states and 8 countries and never reported my whereabouts to my bank and will not in the future.

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 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have made Electronic Funds transfer to my girlfriend using her mobile number in online banking. She did receive a text confirming she received the transfer but when she checked her bank account the money wasn't there. I have filled claims with Bank of America but customer rep said the money went to someone else and this person didn't agree to return the money. How is possible that her mobile number was used by someone else? She has the same mobile number for around 10 years. I understand that Bank of America should be checking if the mobile number is valid and if it has been setup by the owner to receive money. 

The first transfer was made on XX/XX/XXXX with amount of US {$1600.00} and second transfer on XX/XX/XXXX with amount of US {$500.00}. 

Claim numbers : XXXX XXXX Thank you

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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F.H. Cann & Associates, Inc.
State: WI

Complaint narrative:
On XX/XX/2018 I was contacted while at work by XXXX XXXX. Our brief conversation was XXXX stating she is calling " regarding '' XXXX XXXX. She never stated where she was calling from nor who she represents and every time I asked her who she was she just stated she is calling in regards XXXX XXXX. When I asked what this was pertaining to, she kept insisting for me to give my personal information first before she will talk. I was very busy at work and because it was unclear of who she was and where she was calling from, I refused to give my personal information she was asking for. I told XXXX XXXX that I will contact her when I have some free time and not at work. A fax was then received moments later on our main office fax machine and was then delivered to my desk. The fax 's letter head states a company named F.H. CANN & ASSOCIATES located in XXXX XXXX, MA with a return of ATTENTION : XXXX XXXX xt XXXX. *Fax is attached* As of yesterday, XX/XX/2018 my HR department reached out to me stating that XXXX XXXX has contacted them, shared that I have a debt they are collecting and needed HR to give my personal information to her. When HR refused because there was not a court order, she stated " there will be. '' Whether or not the debt is legitimate, it is not acceptable for this company to contact me at work nor violate my rights, sharing my personal information and threatening my employer that there will be legal action. 

I want this to be on record and have this company stop violating my rights. If needed, I will seek out legal advise to insure that my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit 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 explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
PayPal Credit, somehow ( either when I inadvertenly placed an order on XXXX, hit " PayPal Credit '' ). Since then, I've received constant bills from Paypal, in which the amount continues to increase, although I've NEVER used this " line-of-credit '' in any form. I understand that the Consumer Financial Protection Bureau already has fined PayPal with a {$25.00} XXXX fine on behalf of consumer protection violations. 

Please kindly investigate, as this may also be affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The following attached letter that I sent to Bank of America through certified mail explains the problem. BOA never responded to the letter attached herein. When I contacted them through the phone, they hung up on me twice and the third time told me they can't do anything to help me without further explanation.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I received a bill from XXXX XXXX after an emergency room visit. The amount was over {$600.00} so I started making payments on it, which I have always done in the best. After paying half of it off ( {$150.00} per month ), I received a call from a debt collection agency. I notified them that I had been making payments of {$150.00} each month. They stated they had seen the last payment of {$120.00} on XX/XX/2018 ( which I again had sent in {$150.00} ). I called XXXX XXXX back to find out what was going on and they stated that since I did not set up a " formal '' payment plan, they had the option of turning my account over to a collection agency. I had to then call the collection agency back to set this up. 

I resent that XXXX XXXX went to a collection agency, even though I was paying a good amount each month and I had done this is in the past with no problem. I'm not sure at this point why they would state that they received the payment of {$120.00} when I have been paying {$150.00} each month. This was not necessary to turn me over to a collection agency to damage my credit when I have been paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation