vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX, I submitted an application to refinance my loan with Citizens Bank. This was based on the offer received via post office mail of a fixed rate loan along with a {$1000.00} XXXX gift card upon approval. When I applied for the loan I did not see the promotion on the web site so I contacted Citizens Bank, email and phone, at which point I was assured it would n't be a problem and they could honor this offer because it was still active. This occurred on XX/XX/XXXX. I contacted Citizens Bank again XX/XX/XXXX with a concern about their website and document submission, I reiterated my interest in the gift card and was told it would be handled upon approval. After waiting until XX/XX/XXXX with no contact with Citizens Bank, I was notified I was approved for a loan. This part created the reason for my complaint. 

Firstly, I was told because I did not submit a promotion code when I first applied in XX/XX/XXXX, I was not eligible to get the gift card they assured me I would get upon approval. They told me I needed to apply again for a separate loan altogether to be eligible for that offer. Plus, if I waited 5 days to do the new application they would have to do another hard check on my credit to see if I qualified for that second loan. 

Secondly, when I was navigating their online application, they attempted to steer me into opening a direct deposit checking account. In order to proceed through the application you either had to apply for the checking account or call for technical support to guide you decline their offer. This is what prompted me to contact citizens bank on XX/XX/XXXX. 

My XX/XX/XXXX phone call was a basic run around. I spoke with 2 representatives that told me that I would n't be given the gift card unless I started over. When I balked at the additional account they told me that when I look at my application again I would be allowed to proceed pass their checking account offer without a problem. After my conversation with them I felt uncomfortable doing business with this company and told them to remove my application from consideration. 

I was obviously left dissatisfied with their service. My concern is that they hooked me into applying with an offer they later refused to honor. Plus, when I thought I was as the final steps of taking their loan, they tried to steer me into applying for an account that i did not want and could not decline unless one of their representatives unlocked my online application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Date : XX/XX/XXXX File # XXXX 3 Accounts wrong : XXXX XXXX XXXX XXXXXXXX XXXX XXXX there are 3 loans shown in error as XXXX as late. 
Account original loan amounts are in error as well to the original loan. 
There are ( 3 ) loans showing all in Error there was not no late payment XXXX as showing on all three loans by Transunion I have not received any updated credit report showing these student loans corrected on my credit file as of XXXX XXXX XXXX corrected need an updated report sent to me as proof that Transunion has corrected this error on there part for information gather or obtain incorrectly by Transunion DOCUMENT FROM XXXX XXXX XXXX as proof that they sent Transunion a request to update error on my credit file

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 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I got a line of credit through XXXX XXXX 10 years ago. I never missed a payment nor has it ever been difficult to make a payment. The new bank BB & T is demanding the full loan amount paid in full which I do n't have at this time. I 've made numerous attempts to try to refinance, restructure, or get a loan modification. The bank has made little to no effort to help me resolve this situation. As quick as they were to give the loan they should be as quick to help me resolve this. I do n't want to lose my house and will do what ever it takes to keep it.

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 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX case # XXXX & Kohls/XXXX XXXX card for Kohls store. THIS case is against both of them as a ) this issue never became one and b ) XXXX ruined my credit score downward my -10 points for something not my fault. 

In either XX/XX/XXXX or XX/XX/XXXX I made a purchase with a brand new, just that day, Kohls card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from Kohls and oh my gosh! I 've not paid my bill!

I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from Kohls on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS KOHLS DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
To whom it may concern, The problem I currently face is one that has affecedt every aspect of my life. I have been dealing with this issue for the last 5 years. It started when I signed up for the federal student aid loan program because with out it, I would not have been able to pay for my education. Not only was the fact the the loan would continue to compile interest after making timely payments not disclosed to me, in addition every fee that sallie mae could come up with amassed a debt amount that I am ultimately not able to afford. My debt to income ratio exceeds 75 % which caused me to max out my credit cards because I literally could not afford anything and once my credit cards where maxed, I also lost my apartment as well leaving me with an eviction on my record. Having something like this on your credit pretty much disqualifies you from everything. The student loan program has done nothing but cause stress and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I started receiving phone calls from a company where the rep identified herself as XXXX XXXX. She asked for my personal info and I told her I wasnt comfortable with that and she got abusive then hung up. Since the I kept getting phone calls asking for the same info, until I finally got a letter and initiated contact. 

At that point I advised the rep I wasnt aware of the debt and needed it validated after over an hour telling me I must pay it and wanted my employer info and threatened my credit and job. 

On XXXX XXXX I sent registered letters to both locations that had been calling me requesting validation in the mail and no further phone contact. USPS tracking # XXXX shows this was delivered within a week. I still continued receiving phone calls, despite my request not to. 

Finally I received a letter dated XX/XX/XXXX acknowledging receipt of my letter and sending me a typed up page showing creditor and amount owed, not a validation. The calls also continued. During this timeframe they also reported me tonyhe credut bureaus. 

I then sent letters to the credit bureaus disputing this debt after proof of the debt wasnt furnished. To date XXXX is insisting the debt is valid and I affect heard back from the other 2 agencies. 

Today, XX/XX/XXXX, I received a threatening letter that now they will be forced to take the action that the creditor is insisting they take. 

The collections agency is XXXX XXXX for XXXX XXXX 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 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
FIRST FEDERAL CREDIT CONTROL need more info what the collection is for. never used the service never notify that I have an account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!

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 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birthXX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. Experian needs to get proof this is my judgment or remove from my credit

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 2018-01-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: MO

Complaint narrative:
I pulled a copy of my credit report and noticed that Ed Financial is reporting that I have 60 late payments with them in which I disputed this with the credit bureaus and received information stating that what 's reporting was accurate. So I send in my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part ; DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating their immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Borrowed money from XXXX XXXX and now they are suing me for {$6000.00} more. I have borrowed a total of over {$4000.00} and have paid in over {$11000.00}. They are charging 279 % APR. In the fine print it says that 31 % is interest and tje rest is a customary fee! They are a predatory company. I have paid well over what is owed. How can I fight this and help others from falling into the same trap?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I  have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

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 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: DC

Complaint narrative:
There was a charge on my account for a purchase that I never physically received. This charged was on XXXX XXXX, 2017. I then went on vacation and came back injured. I XXXX XXXX XXXX in my XXXX and XXXX my XXXX. During this time I was not aware or focused on the dispute due to the fact that I thought I could get in touch with the store to get a refund or at least a credit. 

Come to find out, the online store was a scam. I never received my product and now Best Buy told me that they ca n't do anything about it because I did not dispute it in a timely manner. I was injured and again, did not know the online store was fraud and I would not be able to dispute it with them. 

Best Buy then told me to fax over a written note to the investigators to further look into the matter and they would reach back out to me. This never happened. I faxed them what they requested in XXXX, and I still have yet to hear from someone.

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