vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I previously filed a complaint with Citibank. After weeks of waiting for a response, I am still in need of information. While related to previous inquiries, this INQIUIRY IS DIFFERENT and a request for documentation I have called and left messages with the executive assigned to the previous case, but have yet to hear back. I need information about the credit protector service that I was recently issued a refund for. 1 ) When was the credit protector activated on the account? 2 ) After trying unsuccessfully to activate the benefits, I closed the account protector program. What date was this done? 3 ) I have filed numerous requests for missing statements and have yet to receive them. XXXX XXXX  nor Citibank has not responded to requests. I am now requesting all statements on the account from XX/XX/XXXX to XX/XX/XXXX. 4 ) I am also requesting the account statement that shows when the account protector benefit was added. 5 ) The account statement showing when the account protector benefit was taken off at our request. 6 ) A copy of legal document showing what the account protector program benefit entailed. 7 ) a copy of the calls that were recorded when speaking with XXXX XXXX-the executive that covered the previous complaint. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Financial Services, Inc.
State: TN

Complaint narrative:
I have no recollection of this account and what I am being charged for. This account is reporting that I owe over {$1000.00} for a procedure that I don't remember getting or never received paperwork or mail about a debt owed for a procedure. I would like a copy of the contract I signed and a breakdown of what I owe this for. In addition to that I would like for this to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
BBVA Compass sent another statement that {$150.00} is due on account ending in XXXX. This matter was previously reported to CFPB and BBVA Compass sent word they were removing XXXX XXXX 's name from the card. XXXX 's name was removed, XXXX 's name is the only one listed, but it does not appear BBVA Compass has closed the account. We ask for your help to ensure the account is closed as previously requested over the years since XXXX 's passing. 

The credit card company was contacted to let them know XXXX XXXX passed away in XX/XX/XXXX.  XXXX did not own or have assets at his death in XX/XX/XXXX. The credit card company continued to send bills for XXXX 's card to XXXX XXXX, wife. The card was solely owned by XXXX XXXX, the card did not belong to XXXX XXXX. XXXX made payments based on the fact notices were sent demanding payment. XXXX has not been able to hear over the phone since she was in her early XXXX. She has used hearing aides since she was in her late XXXX. XXXX is now XXXX years old. XXXX had her daughter, power of attorney, contact the Compass Bank, holder of the credit card in XX/XX/XXXX to ask again that the card be cancelled, removed from XXXX 's name, and to terminate requests for payment as the card was not XXXX 's, but her husband 's XXXX. Rather than terminating as requested, BBVA Compass added XXXX 's name to the account without permission and then began unauthorized collection from XXXX XXXX for XXXX XXXX 's credit card. 

Since XXXX 's passing, XXXX has made payments to BBVA Compass in excess of {$12000.00} on an original balance of {$9000.00} owed by her husband XXXX, but not owed by XXXX ( {$86.00} per month minimum payment ). 

We ask CFPB to please help close the account so no further requests are received for payment from either XXXX XXXX ( XXXX years old ) or XXXX XXXX ( deceased XX/XX/XXXX ). 

We understand often credit card companies come after family members to make payments in this manner after a person has died. 

With penalties, interests, and fees that continue to be applied over the 12 years since XXXX XXXX passed, the noted remaining balance is {$3900.00} with request for payment by XX/XX/XXXX. However, the original balance due has long since been paid by XXXX XXXX on behalf of her deceased husband XXXX. 

Please help us to understand if there is anything else needed to terminate the account, the card, and requests for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I used mobile deposite to put my two paychecks in from my work place, together over {$1300.00} and it's being withheld from me for an extra 9 days. I get paid biweekly and all my money for my NOW past due bills is in there. I called TD bank twice and they pretty much told me " oh well '' and wouldn't even give me a reason why they are being held. At this point I want my money and to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Per XXXX of this company said they are owned instructed by Ocwen to foreclose on said property.

Ocwen is in the middle of a loan modification to save our home.

The first time XXXX XXXX left documents they were placed on the front porch and flew all over the neighborhood.

Display for the neighbors This time taped on the front door

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I asked for a breakdown of what I owe and why and I was sent a paper in the mail showing me where they're saying the charges are coming from. All of this has been sent from a third party company in which I did not authorize to have my information so this is a violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
while looking at my credit report and scores on XX/XX/2018 i noticed a past due on an account with XXXX. but no contact info was given for XXXX on the report nor a complete account number.This was on my Equifax report, the account shows closed XXXX blance and past due. I sent a letter to Equifax but could not send one to XXXX without contact info to challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
OUr company borrowed a loan from the hardmoney lender XXXX XXXX for {$150000.00}. The loan rate was 12 %. The loan was foreclosed on because they did not continue the direct charge to the account provided. Upon realizing that the payments were delinquent, we asked them to allow us to catch up. They declined and foreclosed on us. We sold the house. Upon closing they charged us an additional 15 %. They instructed our buyer not to pay any additional funds. They would not close unless we pay the additional 15 %. 
According to florida statute 687 the limit total rate is 18 %. We were already paying 12 % and then we had to add another 15 %. Also the law states that 5 % is the maximum late fee so the 15 % additional charge is unfair. 
We had to agree to the rate because we would have lost the seller. They also would not close unless we signed documents agreeing to these terms. The closing statement sent to us before closing did not include these fees. The final closing statement adjusted the amounts. We were unaware of the hike in fees until then. There was so much deceit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE Group is reporting a debt on my credit report for {$29.00} to XXXX XXXX. I do not and have not ever had any business or agreement with CBE Group or XXXX XXXX. I have not lived in an area where XXXX XXXX is even offered. I notified that this debt is not mine, and furthermore, the reporting dates are during a period when I had no permanent address. I was living in a hotel and have records of my previous address move-out date, records of my hotel stay, and record of when I moved into my next residence. This company is still fraudulently reporting a debt on my XXXX   credit report and I am concerned what other personal information they have of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, as I checked my XXXX XXXX account, I noticed that a 'derogatory remark ' was added to my credit reports from XXXX and XXXX . The collection agency that placed the 'derogatory remark ' on my credit reports is Paramount Recovery, which is located at XXXX XXXX XXXX. , XXXX XXXX, XXXX , TX XXXX. I immediately sent a debt validation letter ( certified mail with return receipt ) to Paramount Recovery requesting validation of the debt as well as HIPPA authorization due to this being an alleged medical debt. Paramount Recovery acknowledged receipt of my debt validation letter by signing the certified mail return receipt ( green card ) and dating it for XX/XX/XXXX. The representative from Paramount Recovery who signed the certified mail return receipt was " XXXX XXXX. '' From XX/XX/XXXX until present, I haven't received any communication from Paramount Recovery regarding my debt validation letter or have received any of the requested information stated in my debt validation letter. Paramount Recovery did temporarily delete the 'derogatory remark ' from both credit reports ( XXXX and XXXX ), but reinserted the 'derogatory remark ' a few days later. I have NEVER received any proper/prior written notification from Paramount Recovery regarding this account. They just one day decided to insert this 'derogatory remark. ' Also, they have placed this 'derogatory remark ' on my credit reports without any account number from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I contacted this company and informed them they were reporting false and inaccurate information. I asked them to provide proof of contract with my signature which could prove I owe the debt. They were unable to do so. Instead, the company sent an internet generated billing statement.

I sent them certified mail demading them to cease and desist contacting me and demanded they quit reporting inaccurate information. They violated both demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover took over student loans and last month, switched my repayment options, without warning, to lower repayment speed. 

This is my chat with them : XXXX at XXXX, XX/XX/XXXX : XX/XX/1983 XXXX at XXXX, XX/XX/XXXX : Thank you for verifying that information with me today. I do show the amount you were paying monthly has been lowered. Recently we went transferred to a new servicing system. 
XXXX at XXXX, XX/XX/XXXX : how can that be? a bank can not simply re-do my payments I've schedule XXXX at XXXX, XX/XX/XXXX : *scheduled XXXX XXXX XXXX, XX/XX/XXXX : Since the transfer the system has been reviewing accounts, and saw that your account would be paid off sooner than the agreed upon term, so it lowered down. 
XXXX at XXXX, XX/XX/XXXX : iwthout asking? 
XXXX at XXXX, XX/XX/XXXX : and what is the agreed-upon term? 
XXXX at XXXX, XX/XX/XXXX : It was an auto adjust not a planned adjustment and we apologize for any inconvenience that this may cause. We do not have any prepayment penalties for our loans. 

Allow me a few moments to review each of your loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I asked Citibank N.A. to change the name on our checking account to the name of our trust. Approximately 10 days later, the money in our account was frozen, what they call blocked. It was blocked from XX/XX/XXXX until XX/XX/XXXX. During that time, we were not notified of the action that they took. On XX/XX/XXXX we deposited {$10000.00} into the account. We were not told at that time that our account was blocked. So, we could deposit money, yet withdraw nothing, nor were any checks paid by Citibank from our account. When I paid bills online, the payments were electronically confirmed, yet nothing was paid.Nor was any notice placed to notify me online, i.e. no messages to indicate the blocked status of our account. Subsequently, a check did clear the bank when submitted by a creditor for the second time on XX/XX/XXXX. None of the electronic payments I made during that period were made good. This, of course, caused problems such as late fees.

When I called the Citibank unit called " Know Your Customer '' I was told that our account was blocked because the local branch did not respond in time to questions regarding our Family Trust. We don't understand how this can be legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Payment has not been applied to my account ... .Made car payment on XX/XX/2018 with confirmation and have been receiving late notices via e mail Have contacted loan co several times with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only.

On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months.

Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: KEYCORP
State: NY

Complaint narrative:
I took out a loan with XXXX XXXX XXXX  ( " XXXX XXXX '' ) for a used vehicle. I paid the agreed upon payments every month, on time, up until I started receiving calls from KeyBank. I didn't know about KeyBank prior to answering one of the countless phone calls from one of the representatives. I was informed that KeyBank merged with XXXX XXXX, and they're my new loan provider. They began asking me about missed payments, which was shocking, because I never missed a payment. Being that I had no idea XXXX XXXX was merging with KeyBank, I continued to write checks out to XXXX XXXX not knowing that they're no longer XXXX XXXX. I never received a notice about the merge. KeyBank continued to harass me about the " missed '' payments. I submitted proof of the checks, but that wasn't " sufficient proof. '' They threatened to repossess my vehicle if I didn't make payment towards the " missed payments. '' I told them I refuse to do so, because payments were made, and the money was taken out of my personal bank account. To date, I still receive multiple calls from KeyBank, and this issue hasn't been resolved. The bank is requesting for me to pay the full amount of the loan, which is not something I want, and I'm not prepared to do so. I signed a contract for a loan for 72 months, and it's unfair for the bank to disregard same due to their mistake. When a bank merges with another bank, documents and payments should be successfully transferred over to avoid issues like this. I did my due diligence by providing proof of payments made towards the loan. If you require any additional information, as this is a very brief description as to what's going on, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase with my XXXX account, we paid in full but it was reported over 30 days late on my credit report. I have made several attempts to clear this with the company but I couldnt get this resolved. They kept agreeing it was paid in full but they couldnt get my credit report corrected.

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