vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: IA

Complaint narrative:
XXXX XXXX has been using deceptive tactics to force me to pay for months of gym memberships after I have tried to canceled with them. 

While living in XXXX  XXXX XXXX for the summer I signed up for their initial monthly membership for {$15.00} a month. I paid for the first three months while I was going there. As I finished my internship in the city I spoke with the local gym staff and they assured me I could cancel online or over the phone. So when I moved back to my home town after my summer internship I called their member number and explained I needed to cancel my membership. 

Their phone representative said that the gym staff was mistaken and the only option I had was to visit the gym in person to cancel the membership. I explained I did not have the ability to fly back from the midwest to XXXX  XXXX to cancel a gym membership fee. I asked told him again to cancel my account. 

I have now been contacted by : Aldous and Associates, PLLC XXXX. XXXX XXXX XXXX, UT XXXX saying that I owe hundreds of dollars in fees and late assessments. 

I would have canceled the membership during my last day at the gym, but their staff told me I could handle it over the phone! Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX size XXXX using my Discover credit card. The seller described the shoes as authentic and charged the high price authentic shoes. When I received the shoes in the mail, it was very evident the shoes were illegal XXXX counterfeit fakes. The seller refused to allow a return or refund and completely defrauded and ripped me off. I filed a chargeback dispute with Discover shortly after being denied a return from the seller on XX/XX/2019. On XX/XX/19 Discover denied my dispute in favor of the fraudulent, criminal seller. I presented evidence from an authorized XXXX retailer that detailed the shoes were counterfeit but Discover still decided to recharge me and deny my claim. The seller presented falsified evidence to Discover and their fraud team failed to recognize this. 

On XX/XX/19 I received the dispute package with all the merchant 's evidence. The seller submitted a fake store receipt for the purchase of the shoes he sold to me. The receipt was dated XX/XX/19. I bought the shoes from the seller on XX/XX/19. How can a seller sell an item on XX/XX/19 but show a receipt as evidence that the purchase he originally made was on XX/XX/19?! This idiotic criminal seller wasn't even bright enough to create a fake receipt that is dated correctly and you all at Discover still fell for it and penalized me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my Transunion credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I am actively pursing the Public Service Loan Forgiveness program and have made 64 qualifying payments. Any missed or delinquent payments would result in my disqualification from the Loan Forgiveness Program. I noticed last year that I was listed as not making a payment for XX/XX/2014. My loan payments are set to automatically withdrawn from my checking account every month and when I inquired about why no payment was deducted from my account in 2014, I was told that due to payment amount changes, and the timing of a generation of a new bill, an installment was not withdrawn that month. I requested this information in writing. I was provided a general letter, but it was unfortunately removed from my paperless inbox by myfedloan.com. When reviewing a different issue with your company, I noted that my loan payment history states A payment was not received on the XX/XX/2014. I am respectfully requesting your assistance in correcting this issue. Please help me to ensure that that my XX/XX/2014 payment is listed as no payment due or no bill generated, or something which does not levy blame on me as the borrower. Again, direct withdrawal was, and remains active on my account. Also, please provide me with documentation from Fed Loan which explains this situation for my files. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, I decided to start making payments for a future cruise on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXs scheduled to depart on XX/XX/XXXX from XXXX XXXX. I made payments to XX/XX/XXXXXXXX XXXX bi-weekly for {$100.00} each below are the dates that payments were made for a total of {$1300.00}. The payments I made should have been paid to XX/XX/XXXX XX/XX/XXXX  XX/XX/XXXXs but never received since XXXX XXXX owner of XXXX XXXX XXXX chose to use other credit/debit cards that were fraudulent while keeping the funds I sent her for herself. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX cancelled all reservations. Attached is the cancellation notice, letter confirming fraudulent activity and Federal Bureau of Investigation ( FBI ) complaint confirmation. I am requesting all listed amounts to be refunded to my account with Netspend. Thank you for your quick help in this matter. 

I am providing additional information to dispute the following transactions : {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX TOTAL : {$1300.00}

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one Auto finance is reporting to the 3 major credit reporting agencies that a automobile purchased in 2017 was included in a bankruptcy and that the account wasn't paid and is being reported as closed. However the automobile is currently paid as agreed, was not included in the bankruptcy, and is still an open account. Disputes have been filed and capital one claims they are correct, dispute the fact they have copies of the purchase agreement showing when the auto was bought, the copy of the bankruptcy discharge stating the bankruptcy was filed 3 years prior to the auto being bought, copies of the current auto loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This bank likes giving me a hard time before approving any application submitted they send me these verification letters I recently applied for a XXXX store credit card and verified the reference number to the account protection they didnt even ask me any verification questions as stated on the letter and declined it telling me to reapply in 30 days this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 I received a voice message from Bank of America. The voice message as described by my assistant was as follows : " Hello, this is message is for Mr. XXXX is turning, this is XXXX XXXX XXXX. I'm calling with Bank of America 's Regulatory Compliance department calling in reference to an inquiry that you received from the Consumer Financial Protection Bureau. If you can please follow up with me at your earliest convenience, we need to confirm some information from you in regards to the inquiry no later than XX/XX/XXXX. My direct number is XXXX extension XXXX to my office hours are from XXXX XXXX To XXXX XXXX Pacific Standard Time on once again, this month to be just with Bank of America 's Regulatory Compliance Department. Thank you. '' The caller has not specified any methods of contacting them other than a phone number. Since Bank of America informed me in the past that it does not want to receive physical mail at their address and it does not monitor email mailboxes from which it sends me its messages I have no other options of contacting Bank of America in writing other than this portal. 

The caller from bank of america has not specified which information do they want to verify. They have my mailing address and my email address on file so they are free to send me any requests to verify any information they are not sure about. Meanwhile I would like to inform Bank of America one more time that my preference is not to communicate with them via the use of the telephone. If for some reason Bank of America is not willing to provide service to customer who are not communicating with them via the use of the telephone I would appreciate that they make a public announcement of that fact and include this restrictions into the disclosures of their service terms.

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 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I was contacted by a company called XXXX XXXX  on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact. 
This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe. 
I called XXXX XXXX  again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt. 

Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Asked for original creditor name and address never given, stole the car and sold it, paid off by debt instrument returned to company and asking for a debt that was paid and not owed to them they did not credit my anything by use of restricted securities account as trustee in the inducement of fraud acting as if the credited me as a consumer/ human/ natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The account was sent to collections without any prior notice of the total amount of the debt. It was placed in collections XX/XX/2019. It was sent to XXXX XXXX   and i never signed any agreement to pay this febt i was never notified of. I disputed the collections and was never sent any documents of the first notification or of any notifications stating i owed this debt to the orignal creditor or of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
The company escheated {$420.00} to the state of PA. I am trying to claim the money from the state but they need a holder verification form completed to prove the money belongs to me. This money is the appraisal fee I paid to Caliber Home loans in connection with my application in XX/XX/2013. This application was to purchase a home and was subsequently declined. The address they had on file to mail the check to was the property address that we did not buy. I have left several messages for the customer resolution team and have not received a call back. I also spoke with the Loan Servicing department and they advised I had to speak with loan originations which is the department I've left messages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC
State: GA

Complaint narrative:
Notice of dispute, requested name and original creditor name and address, never gave the info asked, more than 10 harrasing calls after told to communicate by mail on in response to affidavit. Never sent back affidavit, send debt instrument for payment that was accepted but never returned and still claiming a debt owed with no true bill ever sent. Still calling and threaten to steal car over phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
According to my monthly statements, if a make my payment on or before XX/XX/19 then a late charge would not be accessed to my account. I made my payment on XX/XX/19 at XXXX and I received a receipt stating my payment was accepted by XXXX XXXX XXXX. Because the company had close they posted the payment on XX/XX/19 and charge my account a late fee. When I call the company stating that the payment was made on XX/XX/19 and I have a receipt to show my payment was submitted on the date a late charge would not be assess. Gateway stated that because I made my payment after XXXX XXXX and since it posted to the account the next day that I would have to paid the late charge. When I explain that the online system or my monthly statement does not state that there is a time frame on XX/XX/19 that I have to make my payments in so that a late charge would not happen. When I stated that I was going to file a complaint with CFPB, the company made personally comments about me and what my employment was at one point in time. I felt this was very unprofessional because my personal life should have nothing to do with my account at gateway or what I feel should be assessed on my account. the company made a very personal attack that I am very unhappy about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I just logged onto my account with Citi to find a payment was 36 days overdue. Ironically I never missed a payment with any company in years and just received an email about that earlier today. I checked my email to see if I missed a notice but couldn't find any from Citi. I was having a difficult time trying to find a statement on the Citi site and finally started a chat session to find out what's going on. The first person led me to my statements and I saw a {$39.00} fee and asked about it. They said it was because of a missed payment. I say I never got a notice, email or otherwise, it goes back and forth until I realize there was a fee on the XXXX bill as well. When I looked more at the statements I saw two purchases from XXXX AND I DON'T HAVE A XXXX ACCOUNT. I mentioned this to the person and they say they are making notes for another department to waive fees and want to transfer me to them. Someone else comes on and says they tried to waive the fees and was denied. He gave me a number to call and speak to someone about the fees and says he will issue a new card. Then he says he can't issue a new card or the fees won't be reversed. It has been nothing but confusion to this point so I call the number. I try to speak to a person and get a computer-generated message saying " fees can not be waived '' and the call disconnects. Now I admit I've been having trouble seeing since I had XXXX  XXXX for a XXXX XXXX on XXXX XXXX, been back twice for additional XXXX and still can't XXXX   clearly but if I had gotten an email I would have responded and paid my bill. Citi just opened this account 3 months ago and I'm sure they saw that I have never been late on any payments and this situation is going to ruin my good credit. This experience has been horrible. Even when I asked for a copy of the chat they tell me to click on an icon on the top of the chatbox, BUT THE ICON WASN'T THERE. I hate to say they are taking advantage of a senior citizen but they are doing absolutely nothing to resolve the issue, just conflicting information. 
I had to copy and paste it before the chat box was closed. Horrible company for customer service.

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 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by Sterling JeweIers INC Kay this debt has been paid in full and they will not get a XXXX more of my money. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Sterling JeweIers INC Kay inquiry to determine why the debt is on my credit report. I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 

Thank you in advance, 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 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
XX/XX/2019 I have attempted to resolve account by paying off but unable to with the credit card company and its hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a collection from XXXX XXXX XXXX in the amount of {$58.00} on my credit report. This information was previously reported by XXXX XXXX, and subsequently deleted after I disputed it and filed a complaint. 

Since the reinsertion, I have not received a notification of the information 's reinsertion, as required by the Fair Credit Reporting Act, 611 ( 5 ) ( B ) ( ii ) - ( iii ). The information has been on my report for longer than the 5 business days after reinsertion mentioned in 611 ( 5 ) ( B ) ( ii ), and I have not received any information from Experian and I was not provided any information listed in 611 ( 5 ) ( B ) ( iii ) ( I ) - ( III ).

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