vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For 4 YEARS NOW I HAVE SENT IRS release FORMS, HIRED AT MY OWN EXPENSE CREDIT REPAIR COS, AND WRITTEN LETTERS, iNSTEAD OF HELPING ME, THE MATERIAL IS ADDED ERRONEOUSLY AND IS WORSE THAT NEVER.NOW i MUST TAKE A STAND AND ASK THAT ALL 3 COMPANIES REMOVE LEIN INFORMATION ( WHICH CAME ABOUT WHEN i WAS IN HOSPITAL BATTLING XXXX AND COULD NOT BE REACHED ) WHEN ON MY FEET, i CALLED AND ALL WAS PAID OFF.i HAVE LIEN RELEASE INFO FROM XX/XX/XXXX.i LOST MY HOME IN HURRICANE iRMA AND NEED TO RELOCATE* AT GREAT EXPENSE TO ME, A XXXX YEAR OLD.ALL LOAN applications STOP AT LIEN - DO NOT EVEN READ print.AND 1 CREDIT REPORTING AGENCY HAS DATES AND ALL WRONG.iF IN DOUBT GO TO XXXX  COUNTY, FL COURTHOUSE AND SEE WHEN RELEASED.i PAID XXXX XXXX DOLLARS OUT OF POCKET TO FIGHT AN ILLNESS AND OBSERVED LOTS OF HARDSHIP-..i NEED A BREAK. THE XX/XX/XXXX XX/XX/XXXXIRS INITIATIVE STATES FRESH START.i GOT WELL AND PAID..PLEASE ** HAVE ALL 3 AGENCIES REMOVE ANYTHING REFERRING TO A LIEN.iT 'S PAID AND MISCONSTRUED EVEN BY CREDIT REPAIR .tAKE ALL OFF..iRS STATES THAT CUSTOMER MUST FILE FORM XXXX i HAVE DONE THAT TWICE AND THEY RE ENTERED again dates etc.INCORRECTLY..TAKE ALL OFF..SO i CAN START MY LIFE AGAIN- need a home loan.. HOME IS ravaged ..THIS IS A GREAT HARDSHiP TO ME WHO FOLLOWED ALL THE RULES..XXXX  XXXX XXXX XXXX XXXX XXXX, fL XXXX, XXXX XXXX XXXX..THANK YOU XXXX XXXX and staff FOR HELPING ..*XXXX XXXX WHO DOES NOT DESERVE THIS ( there was no box under military for XXXX.My husband is XXXX just me living )

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I HAVE A MORTAGE WITH OCWEN. WE HAVE RECEIVED SHORT SALE DOC 'S AND AN EXTENSION, BUT WE ARE IN NEED OF AN ADDITIONAL 30 DAYS TO CLOSE. THE BANKRUPTCY COURT HAS SUBMITTED A MOTION TO MAKE SURE THERE ARE NO LIENS OR ENCUMBRANCES OUT THERE THAT WE DO NOT KNOW ABOUT. THIS IS DONE TO PROTECT THE BUYER AS WELL AS THE SELLER. 

OCWEN HAS REFUSED AN ADDITIONAL EXTENSION. THE COURT HAS SENT THE DOCS TO OCWEN AND THEY HAVE STILL REFUSED. OCWEN HAS IN HAD THE " PROOF OF FUNDS '', AND ALL INFORMATION NECESSARY TO CLOSE BUT ARE STALLING ONCE AGAIN. 

WE NEED AN ADDITIONAL EXTENSION TO GET THIS CLOSED AND DONE RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
MONEYGRAM ANF THEIR CLASS ADM INISTRATOR FAILED TO HONOR MY REMMISSION CLAIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dream Center Education Holdings
State: GA

Complaint narrative:
I emailed XXXX XXXX to receive my transcript on XXXX/XXXX/XXXX. I was emailed back stating there is a financial aid hold on my account and asked to contact XXXX XXXX XXXX. I talked to XXXX XXXX and told her I did not understand why I could not receive my transcript because of a hold that she claimed I had on an account. XXXX XXXX stated that the account was sent to XXXX XXXX XXXX. I called XXXX XXXX XXXX and talked to several people at XXXX XXXX XXXX, the first conversation I was told I had a XXXX balance. The next person I talked to XXXX XXXX she told me the account was in dormant status and the account was returned back to Argosy University. I called XXXX XXXX XXXX for the final time, and I talked to XXXX XXXX XXXX and she also told me that the account was returned back to Argosy University on XXXX/XXXX/XXXX and the amount was XXXX. I checked my credit report and I have no charges on any of my credit reports regarding Argosy University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a credit line increase through your online Credit Line Increase Tool located at XXXX XXXX XXXXXXXX. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page 2 ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : XXXX XXXX Credit Bureau Dispute Unit.pdf I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. XXXX XXXX followed up stating it was a system error and I should submit the request to remove this credit inquiry from XXXX Credit Bureau Dispute Unit department. After 4 conversations, 4 faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : 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 2017-10-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a late payment on my credit report with XXXX XXXX XXXX XXXX stating that payment was late in XX/XX/XXXX. I submitted supporting paperwork from the XXXX County office of XXXX XXXX XXXX Support  Obligation Summary showing that the payment history shows the payment was made at that time and taken out of my paycheck from XXXX XXXX. They refuse to remove the negative strike from my credit report. I have called on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they are of no help pointing me to go back to Experian and dispute the mark

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 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JH Portfolio Debt Equities, LLC
State: MO

Complaint narrative:
about 6 months ago I was put on social security XXXX for advancing XXXX . 
I have been contacted by Credit Control LLC in XXXX MO ( their client is resurgent who I have never received anything from ) and I explained to them in writing my health issue and my income is much lower, they want me to send them social security information, and medical information, XXXX home info, I am willing to send them my XXXX payment statement ( I will not put my social security number on it though ) And I will not send them medical, my doctor said he would write a message to them, but he does not want to be contacted by them. 
Nor do I want him contacted to verify anything more this is my private health info and I do not want them contacting Social Security to verify. Is this legal what they are doing?

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX XXXX USAA bank delayed processing of a deposit from my employer resulting in {$70.00} of over draft fees from pending bills. As a result I had no money for food during XXXX XXXX in XXXX. Their excuse, a XXXX day delay in depositing due to bank closures. The fees were not refunded. 

On XXXX XXXX an electronic deposit is currently being delayed XXXX days from XXXX, the funds generally take XXXX minutes to deposit. However a bill posted after the initial deposit has been credited first to trigger more overdraft fees. USAAs excuse a XXXX day time frame for deposits. However over XXXX deposit transactions in the last XXXX months have been timely, except for those occurring when a known periodical expense is due. The XXXX transaction in fact deposited on the XXXX then disappeared off of the account, XXXX minutes later the bill credited to the account triggering an overdraft. USAA is playing games trying to collect overdraft fees by manipulating transaction times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 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: GA

Complaint narrative:
I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I filed a claim with Citizen 's bank regarding a merchant overcharging me by over $ 100.oo on my credit card. I explained to Citizen 's back in XX/XX/XXXX that while on a cruise, the cruise ship overbilled my account as well as allowed my XXXX sister to make purchases to my stateroom without my permission, knowledge, or authorization. They did this without my card present either at the XXXX XXXX XXXX. I did NOT authorize my XXXX  sister to use my account and the cruiseline has a duty and responsibility to verify any and ALL charges before charging something to someone 's room without their permission or knowledge. They also allowed her to charge to my other sister 's account. There were other unknown charges on my account as well. When I spoke with someone from guest services at the Cruiseline, they told me they could not help me and to dispute the charges. I spoke with Citizen 's and explained the situation. Recently, I received a letter from Citizen 's stating they verified the purchases and enclosed a computer generic receipt without a signature, no sales receipts attached, no copy of my license, or any other documentation stating I was aware of these additional charges or made them. I spoke with a woman from the claims department who told me I was a liar and that the cruiseline would n't have allowed my sister to make purchases without my card or my id, however, they did. She also refused to let me speak with a manager, would n't tell me her name and would n't verify whether or not she was a third-party or internal claims department with Citizen 's. Citizen 's is now threatening to deduct the full balance from my account without completing a thorough investigation to ensure these charges are mine according to XXXX rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TX

Complaint narrative:
On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX  XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX Update XXXX XXXX XXXX/XXXX/XXXX, I received a packet of information from XXXX regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. 

I have reviewed the cardholders agreement and XXXX is in violation of the agreement. 

The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that XXXX XXXX from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. 

At this time XXXX has still not attempted to make this right or abide by their own agreement. 

***Original Complaint *** I opened an account with XXXX in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my XXXX XXXX up. Now that they closed the card without warning, my credit took a XXXX point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: MD

Complaint narrative:
My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.

Company response to consumer: Closed with explanation