vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I received two calls from NCB Management Services on XX/XX/2020. One call left a message on an answering machine that is available to others that the message is from a debt collector. The caller did not leave a name. I received another message on the answering machine on XX/XX/2020 also stating that it was from a debt collector. The name was not clear but my best guess is XXXX XXXX. These calls came from local area code of XXXX using various numbers. The return call number was XXXX, ext XXXX located in XXXX, PA. The caller said it was in reference to an account at XXXX XXXX XXXX. I have never had an account at this bank and have never even heard of this bank. I do not have ANY accounts that are even past due and have never missed a payment on any account. I called this number and received an answering machine. I very firmly told these people that this account was not mine and also informed them that they were not to call my number again. On XX/XX/XXXX, I received another call for this same company. I answered and told the caller not to ever call this number again. These calls make me furious. I am receiving calls from other companies so obviously someone with a similar name has a credit issue. I do not know where these people are getting my phone number. Apparently they are calling anyone with a similar name. I want these calls to stop!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Knight & Hooper, PLLC
State: GA

Complaint narrative:
Received a letter from Knight & Hooper PLLC stating that they they are hired to represent XXXX XXXX XXXX XXXX ( which is no longer in business in since XXXX ). A motion to extend judgement from judgement dated XX/XX/XXXX. I have never had any business with XXXX XXXX XXXX XXXX. The case is to be heard in General Sessions court on XX/XX/XXXX at XXXX XXXX   Docket number XXXX. My concerns are one that the debt ( if valid ) is older than 6 years old and according to the state of Tennessee is past the statute of limitations. Additionally XXXX XXXX XXXX XXXX is no longer in business. Lastly there are many complaints filed against this law firm for attempting to collect fraudulent debt. Knight & Hooper , PLLC XXXX XXXX XXXX XXXX Tn XXXX. I believe that this is fraud and attempt to get a individual to make payment to them while trying to use scare tactics and legal looking correspondence. Please investigate and contact me as soon as possible. I believe that this is a fraudulent attempt by a Lawyer firm that has had several complaints for this type of activity in the past to collect money from unaware consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
I have disputed a debt that is from XXXX XXXX in the amount of {$2300.00}. I have disputed this debt numerous times letting them know that this is fraud. This account is very old and they keep restarting the debt over and over. The collection agency that has the debt now is Jefferson Capital Systems. I have never talked to them personally but I have disputed this debt through XXXX  and XXXX. I never had XXXX service and I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir or Ma'am, COVID-19 Impact have extended benefits particular to several financial institutions specifically for mortgages. In my family 's case, our mortgagee, TIAA is offering an 120-Day Forbearance period of the monthly payments however, the four-month skip payment arrangement is very concerning especially when the borrower is required to pay the entire four-month balance at the end of the forbearance period. My family would be required to pay nearly $ 9k of which is very unrealistic, in our time of this financial and pandemic crisis. Simply put, this is NOT  a feasible task for the majority of homeowners, like my family. 

We are using these monthly payments to support home expenses such as electrical, heat, water, food, and other necessary needs due to our family 's income shortage. We need to live through this pandemic Carefully speaking for millions of American homeowners, the mortgage companies should seriously consider moving the payments to the end of the loan, so homeowners such as my family can rest easy knowing that a monthly payment isn't required at the end of the Forbearance period, otherwise, there will be several foreclosures and a repeat of the mortgage crisis of 2008. 

Therefore, I respectfully and cordially request that TIAA reconsider their Forbearance policy and allow their borrowers the monthly payments to be moved to the end of the loan. This isn't a time for negotiations. This is as American 's supporting one another in the fight for our future and livelihood. We need help, and TIAA should be a part of the solution, not problem. 

Respectfully, The XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/2020, I logged onto the Capital One mobile app to pay off my credit card balance. At that time, my total balance owed according to the app and my statement was {$3400.00}. I paid that amount on XX/XX/XXXX, the due date for my payment. On XX/XX/202, I received an email saying my Capital One statement was ready to view. There shouldn't have been a statement because I had just paid my card off 4 days earlier. I logged onto the app and noticed a new interest charge of {$58.00} had been added on XX/XX/2020. 

I called Capital One 's customer support line on XX/XX/2020 to dispute the {$58.00} charge. I waited in the queue for more than 30 minutes before I had to hang up. I called again on XX/XX/2020 and again waited in the queue for over 30 minutes before reaching a representative. After explaining the issue, the representative told me that he hears this complaint all the time from other customers and that there was nothing he could do about the {$58.00} interest charge. I asked him why the {$58.00} interest charge wasnt included in my TOTAL BALANCE on the app on XX/XX/XXXX, he didn't know the answer. He said next time I want to pay off my card, I should call the customer service line and get a payoff estimate from a representative. I escalated the call to a manager who said that he also gets this complaint regularly, and that he's not sure why the last interest charge is not included in the TOTAL due on the app or online portal. He said he has brought it up in focus groups and meeting aimed at providing better customer service and that at this time, he wasnt aware of a resolution. He also said he could do nothing about the {$58.00} charge. 

My complaint about Capital One is LIMITED TRANSPARENCY. Consumers looking to pay off their card balance should not have to jump through fiery hoops to find out what their total balance due is. They also should not have to call and sit on hold for more than 30 minutes to get an accurate payoff amount from a representative - if this information is available from a representative, it should be available on the app, the online portal, their statement, and everywhere else consumers can go to access their account. It is at best an unfair business practice to have consumers pay off their card balance according to the app or online portal, and then have additional residual interest show up 3 days later. There isn't even a warning on the app that this might happen, which would at least alert consumers to the possibility that their payoff balance may not be accurate. It is suspicious that the interest charge shows up AFTER paying the balance off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 Syncb/Amazon - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.

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 2020-03-28 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 Bb & t dealer XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX card - XX/XX/2019 XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX 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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I took out a cash advance in XXXX. American Express tried to explain to me after making a {$200.00} payment yesterday that I had no cash to withdraw. They told me that if you only pay the minimum monthly payment that none of that goes towards your cash balance. I always pay over the minimum sometimes its {$5.00} but its over the minimum. I asked where that money went. They said to the account area that has the highest interest rate. That is the cash advance. Where it should of went. Anything over is paid on the interest not the amount of the cash withdrawal. So basically you are never going to pay it back. Although in the month of XXXX I made 3 payments 2 for {$50.00} and 1 for {$70.00} all made in XXXX. The minimum payment was {$25.00} my math might be off but thats {$130.00} over the minimum. The interest taken out guessing {$20.00} still leaves {$110.00} dollars that did not go to the account with the highest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: SC

Complaint narrative:
I received medical treatment from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each visit I paid {$100.00} and advised that I would like to set up a payment plan after treatment was complete. The staff was willing to accommodate this request. The remaining billable balance of these three treatments due to XXXX XXXX XXXX XXXX was {$730.00}. I offered to settle the account in lieu of monthly payments for 50 % of the balance ; this offer was accepted and I received a settlement offer via certified mail for {$360.00} to close these three accounts. This payment was to be made by XX/XX/XXXX. The payment was taken from my bank account on XX/XX/XXXX. I requested several times for paid in full letters for the 3 accounts but did not receive them. Two of the three accounts have since been placed with 3rd party collections ( CBCS/XXXX  XXXX XXXX, OH XXXX ). The third is still housed with XXXX XXXX XXXX XXXX. Payment has been acknowledged and applied to only 1 of the 3 accounts that is currently shown as open. XXXX XXXX XXXX XXXX contracts XXXX XXXX XXXX to handle 1st party collections on their behalf. All communication thus far has been with XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked Transunion to remove the bankruptcy from credit report it says on my credit report that they received the information from the bankruptcy court but its not true because the bankruptcy court dose not report to any credit reporting agency

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 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: DE

Complaint narrative:
Avante USA at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX sent me a letter dated XX/XX/19 stating that a debt of {$950.00} was sold to a company named XXXX XXXX XXXX. Avante stated in their letter that I needed to respond to them within 30 days or the debt would be considered valid. I sent Avante a request for validation letter on XX/XX/19. They never responded. XXXX XXXX never sent me a letter or made contact by phone in order to collect on this debt either. Instead the same account ended up in the hands of a company named XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX. Avante USA changed the amount of the debt from XXXX to XXXX and continued trying to collect on the debt through the credit reporting agencies. In addition XXXX XXXX XXXX, who never made any contact with me, is also reporting the same debt of XXXX with the credit reporting agencies as well. They immediately contacted the credit reporting agencies and had the debt put on my credit reports without giving me the opportunity to request validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: NY

Complaint narrative:
My bank keeps refusing to approve a credit card for me most recently I applied again and the only reason stated on this letter is ridiculous excessive number of new credit obligations this is not fair its the only reason everytime I apllied for a card with them they deny me for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX  working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was trading in this car a XXXX XXXX XXXX .. Last minute the deal fell through I made the payment on day 29 but there was a late fee that made me go 30 days over its been years I've shown financial responsibility can this please go.off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IL

Complaint narrative:
I ham having a difficult time getting my loan count to be proper for PSLF. 

I have called several times to the Fedloan Servicing over 10 times in the last several years trying to get my loan count for PSLF properly done. 

Prior to XX/XX/XXXX, my payment counts had been correct. After that, they had gone through a computer system change and it seems to have taken away payments before that had been previously counted. 

My last communications with them had been on XX/XX/XXXX - I spoke with the payment counts. They said that they would re-review it. Since then though, I have not gotten any change in the PSLF counts. 

By my count for all my payments between XX/XX/XXXX to XX/XX/XXXX, one of my loans should have at least 56 that are PSLF eligible and the other one should have 58 that are PSLF eligible counts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a mortgage through SunTrust Bank. Due to Covid-19 I am currently laid off. On XX/XX/2020 I have contacted my mortgage company about deferring payments for 90  days, they told me to contact a specific number XXXX XXXX XXXX. On XX/XX/2020 I called and I was transferred from XXXX XXXX XXXX to the Covid-19 assistance number. I was on hold for 1hr 30min 46sec and then the call was disconnected. I called the XXXX XXXX XXXX number on XX/XX/2020, I was on hold for 1hr 46min 34 sec  and then the call was disconnected. I called XXXX XXXX XXXX on XX/XX/2020, I was on hold for 2hrs 19min 26sec and then the call was disconnected. I have also tried to message the company through their messenger system on XX/XX/2020. I was told I would get a response in 1-2 business days, on XX/XX/2020 the chat was closed by the company with no response to my inquiry other than to call the XXXX XXXX XXXX number which I have been calling since XX/XX/2020. I called XXXX XXXX XXXX again on XX/XX/2020 and I am still on hold with them with no response.

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 2020-03-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to work with the Credit companies to get this remove and its been over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was able to review mail received from Wells Fargo Bank notifying me that my account will be closing on XX/XX/XXXX due to an unauthorized ATM check deposit on XX/XX/XXXX that was made on my account that could not be processed. I called the Fraud Prevention Department for Wells Fargo and explained to the specialist that I received information of my account closure and reported that I was a victim of a robbery on XX/XX/XXXX informing them that my phone, wallet which included my ID, SS card and credit/debit cards were stolen and the check deposit on XX/XX/XXXX was not made by me. I informed them that I have a police report and video surveillance that can prove the transactions were not made by me and as it is still an open investigation. I asked the specialist how can I fix the issue or what are my options to correct the problem with my account. I was asked to be placed on hold and then when the specialist returned she asked me a series of questions related to receiving my temporary debit card, the card activation and pin. I did explain to her that I received a temporary card/pin at the bank that was activated and the pin was placed on the card by the Bank representative. I placed the card in my wallet and didnt think anything of it since there was no reason for me to use the card at the time, so I did forget the pin was attached to my card. I was advised due to the inactivity of the account and the pin since the pin number was not removed from my card it is determined that I am high risk to the bank and my account will be closed as scheduled. She also mentioned that there was a previous account opened in my name for three months that I was unaware of that was closed for inactivity. 

I opened my bank account with Wells Fargo in hopes to be a loyal customer and to complete all my banking needs during the process of me becoming employed and needing direct deposit. In the attempts of me finding employment my jobs fell through which is the reason for the inactivity on my account. I explained all this information to the Fraud specialist whom I felt had no understanding and continued to advise that my account will be closed and I will need to go to another bank to open an account. I was not offered the opportunity to appeal the decision or to provide documents of any sort to provide my case to prevent my account from closing. I am very dissatisfied with the customer service I received especially after the traumatized as a victim of a robbery and to be told that I am losing my account was disappointing.

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