vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I notified Citibank by phone of fraudulent activity resulting from a balance transfer check that posted on XX/XX/XXXX. At that time I was informed there was nothing further I need to do. Citibank representative said I would receive notification of dispute within a short time period, and they would issue a new credit card. On XX/XX/XXXX I called Citibank again to confirm dispute was in process, and tried to obtain an address to send written notification and I requested a copy of my credit card agreement. After insisting on speaking to a manger so I could be provided the exact address of where to write in order to file a formal dispute, XXXX ( a supervisor ) came on the line and gave me a PO Box tht was not the same as what I found out later should be used. As of the writing of this complaint, I have only been provided a copy of a somewhat illegible credit card agreement, and have not been provided with any written confirmation of my dispute, and they have not sent me a new credit card " in order protect the integrity of the account ''. I sent registered return receipt letters to XXXX different Postal Boxes that I was given from various personnel and correspondence with Citi, and I have acknowledgment of receipt dated XX/XX/XXXX. As of this evening, there is nothing on the website for my account that shows the account is in dispute, and I have not received any sort of acknowledgement of it either, and I have a payment due on XX/XX/XXXX. The company stated that they could not provide me with the name of the company or person that the fraudulent check was paid to.

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 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
QUALITY ACCEPTANCE for over a year has not used proper blue book, sent proper paperwork to prove they did not do illegal interest rates, selling of car, fixing the car, credit reporting, mass harassing phone calls, threats, fraud and embezzlement. I have contacted FDIC, FTC, OCC, DEPARTMENT OF INDUSTRY AND BUSINESS and now heading to media and then some. This is not taken care of until a reimbursement that satisfies us is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was told by my credit card company that I should not make payments ten days before the due date. I make my payments a day or two after the closing statement date in order to avoid interest charges. Beginning in XXXX 2015 Home Depot started charging me late fees saying I was paying too early. I was told the statement closes on the XXXX of every month and I pay after that date. Whatever payment I make should go towards the statement after that date so long as it is paid after that statement closes. Their argument is a minimum payment amount has not been generated therefore the payment is not required to go towards the current statement. That have punished me for paying early so they can get more interest out of me and on top of that started charging me late fees. I plan on taking legal action as this company is operating in bad faith.

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 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. 
Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, and as a last resort and after numerous attempts to resolve the dispute directly with the merchant, I called Home Depot Credit Card Customer Service to dispute an amount of {$3600.00} from my bill of XX/XX/XXXX. The agent never asked me for the reason for the dispute but, never the less, took all my information. Sometime in XX/XX/XXXX, I received the very correspondence from Home Depot Credit Services in a form of a letter dated XX/XX/XXXX. The very second sentence in their letter read the following : " We 've previously confirmed receipt of your inquiry regarding the dispute charges of {$3600.00}. '' Ironically, and in spit of my numerous attempts, I am yet to receive neither the original not a copy of the method through which they " confirmed ... ... '' The case once again went dormant. Then sometime in XX/XX/XXXX, I received from Home Depot Credit Services a letter dated XX/XX/XXXX. The very XXXX sentence in this letter was the following : " This is to advise you that the disputed amount of {$3600.00} will be provisionally credited to The Home Depot Credit Card account referenced above. '' However, few months later, I noticed that my balance increased significantly. When I did my calculations, I discovered that the difference was {$3600.00}. However, I never received an explanation. After my numerous inquiries, I finally received a letter from Home Depot Credit Services dated XX/XX/XXXX. The XXXX sentence in this letter was an acknowledgment to my inquiry. The second sentence in this letter read the following : " This inquiry needs to be handled directly by the Home Depot Customer Care. '' the letter only included a telephone number to H.D. Customer Care. I am literally still reeling from this experience. Please help me with this situation. Thank you very much for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened up a CitiGold checking account back in XXXX 2015 using a promotion code ( XXXX ) that would give me XXXX XXXX miles once I 've made at least {$750.00} in debit card purchases within 60 days of account opening. I opened this account via phone, and confirmed with the respresentative that I am qualified for this promotion and the account was opened with this promotion code. I completed the requirements and never received my XXXX XXXX miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A company put XXXX separate charges on my credit card that were not authorized. Each charge was for {$1200.00}. The total amount of incorrect charges is {$3600.00} ( XXXX x {$1200.00} = {$3600.00} ). I contacted the company about the charges. The company 's salesperson admitted his mistake for each of the XXXX charges, and promised to issue me a credit. However, he only credit my account for one of the {$1200.00} charges. I contacted my credit card company to dispute the remaining XXXX charges, but I have not received a satisfactory resolution from them. At every step, my credit card company has misunderstood the basic facts of my dispute, and they seem incapable of bringing this dispute to a correct resolution. I need to be credited for each one of the XXXX charges of {$1200.00}. The total amount of credit issued to my Credit Card needs to be {$3600.00} to correctly remedy this issue. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: WA

Complaint narrative:
I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. 

When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Solidus Group LLC.
State: WI

Complaint narrative:
I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: WA

Complaint narrative:
I paid off my Genesis loan I obtained through the XXXX schools then they were sued. I would like a refund for the fact that my attendance dates fall within the dates the schools were sued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I had a collection with RPM ( Receivables Performance Management ) agency. on XXXX XXXX XXXX I paid off me monthly payment and got the conformation email from them, but still in XXXX it is in my credit report, I tried to call them and find out about the issue, but all the time when they ask my firs and last name the hang up the phone. I called the XXXX the company that sent my bill to the collection agency, they said I am good in their system and I have to talk to the collection agency. I am not able to talk to them and solve my problem and my credit is awful. I can not even rent an apartment because of that. would you please advice. 
best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California
State: NV

Complaint narrative:
I asked the collection agency to supply me with verification of debt by providing me with the original application or forms with my signature on it and contract information from the original creditor. I sent them a letter of dispute on XXXX XXXX, 2015 and they never responded. This account is in another person 's name, but they claim that this person has me listed on their account. I asked them to supply me with documentation and they have not. This account is not mine and they need to remove it. They are not reporting accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.

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 2015-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates
State: MA

Complaint narrative:
XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: TX

Complaint narrative:
while completing school at XXXX XXXX XXXX XXXX there were XXXX loans taken out for roughly {$12000.00} starting XX/XX/XXXX2016-XX/XX/XXXX2016. I finished school in XXXX and did not need extra loans taken out. I recieved a pell grant and private loan to cover the cost. I have spoken to my loan provider Great Lakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief