vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid my BBVA credit card off, and also a personal loan. Upon this, they reduced my limits and then when I went in to the local branch to close my account, they called the police on me, even though I offered nothing other than asking them to close all accounts save checking. Then they punatively closed my checking account and claim to have filed a no trespass. The local manager, XXXX XXXX ( sp? ) refuses to give information as to their registered agent and is aware that I have XXXX and protected with the ADA.

Somehow they left the credit card active and I have attempted to refute their balance and am unable to retrieve an audit to ensure validity of this debt and their collection process. I just today received a bill from them after several months of no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.

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 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a certified letter to the company on XX/XX/2019 asking Midland Funding to please validate this debt they are reporting on my credit report. They received Monday, XX/XX/2019 at XXXX XXXX. I have not heard back from Midland Funding in regards to this debt which remains on my credit consumer report, in which they are attempting to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The merchant used abusively  and fraudulently my credit card information both on its terminal and to pay his own bills. It has been 9 months since I'm trying to resolve the issue both with the merchant and Amex. I never swiped or authorized in a verbal or written manner any charge to my account neither I own any amount to this merchant. The merchant never produced any valid documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Im getting non stop calls of hospital bills from collection agency a.r.s they call from multiple numbers. When i told them stop harrasing me they started calling more frequently.

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 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter directly to Capital One Auto   Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 Capital One received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. They are still continuing to report this account on my credit reports and they do not have the legal documents to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO CLOSE MY LOWE 'S CREDIT CARD ACCOUNT. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY LOWE 'S ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ONE ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP FAST. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH SYNCHRONY ( DISCOUNT TIRE ) TO PAY THE ACCOUNT. BUT BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY LOWE 'S ACCOUNT FOR HOME REPAIRS, APPLIANCES AND OTHER THINGS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE FROM THEM. I HOPE YOU CAN HELP. THANKS

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 2019-09-03 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My complaint is against PenFed Credit Union. Account # XXXX-XXXX-XXXX-xxxx, open XX/XX/2016. My Pentagon member number is : XXXX. My payment was due for XX/XX/XXXX and I made my payment on XX/XX/XXXX and immediately I called the collections department from the mentioned company and was told that it wont be reported negative, they told me not to worry and that I should be fine, mentioned a 3-day period of grace ( call should be recorded ). I also spoke with a supervisor and the supervisor and he determine that the agent made an error in telling me that negative marks were not going to be reflected. It is not my fault that the agents in the company are not well trained and misguide costumers. This is negligence, unfair business practice, I never received a late payment insertion by mail required by California Reporting Act and the list of violations can go on. I have been a loyal costumer to Penfed Credit Union, NEVER since I open the account Ive been late with them. I respectfully request through CFPB a deletion letter from Penfed Credit Union. If this doesnt happen I will have to take this case to court even though they do not appear in Secretary of StatXXXX of California having a branch in XXXX XXXX. I will find the way to sue if I have too, nobody is above the law. Im also attaching one of my bank savings account to prove it was not a money factor. Thank you!!

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 2019-09-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citi AAdvantage card was lost and fraudulent charges of XXXX USD were made. I reported the fraud to the credit card immediately and they have not issued a credit to my account for the charges

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 2019-09-03 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: FL

Complaint narrative:
Equifax is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on Equifax report from XXXX XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from Equifax, XXXX  XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 HSBC BANK USA NA, XXXX XXXX  XXXX XXXX, NEW YORK, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been paying Salliemae, now Navient since 2007. The initial loan was for {$21000.00} and after it was sold to Navient it has now ballooned to me owing them an additional {$36000.00}. I did one semester in XXXX - I did not finish because I realized how much they were charging per semester that was not revealed up front. 

I have repaid Navient, to date {$30000.00}. They charge me a 12 % interest rate and after I called to ask why wasn't more of my payments being applied to the principle they said I have to call each time to speak to a rep to ask that my payment be charged to the principle. On the website they do not give you that option which is very unscrupulous because XXXX and XXXX both allow payment to be applied on your interest or principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
On XX/XX/2019 received call was told if amount not paid today I would be sued and that Im not smart for not paying today because he could go get attorney right now and sue me works for Maury Cobb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
OnXX/XX/19 I received a letter that my mortgage was going to be transferred from XXXX XXXX XXXX to LoanCare , LLC. Effective XX/XX/19. 
With XXXX XXXX XXXX I was able to make partial payments which I continue doing until my loan got transferred. Three of the payments were reflected as a principal payment which I had to call LoanCare to let them know that I was seeing this error was happening. I called multiple times and they said that they were not able to see my payment history which was confusing because I was able to see it on their website. LoanCare asked me to call back in 30 days to wait for all the information was transfer I asked them if my credit was going to be affected since it was reflecting that it was late and if I was going to have late fee which they told me no but to clear everything I made a payment for {$2200.00} to cover XXXX. When I called back, they told me again they couldnt see it until I had to explain to them where to find it. An employee contacted the supervisor explained what happens with my payments and where they have reflected which it was in principle. The supervisor told the employee to the summit to correction and that it was going to take 2 business days to clear in my account, they asked me to make another payment to complete 2 full payments into my account which were for XXXX and XXXX. I gave them 5 business days, I called back a Wednesday and they said that it would be done by Friday XX/XX/19, today is XX/XX/19 and they are implying that they sent me an email saying that they did not have all the information and they could not proceed my request. I explained to the employee that I did not receive that information that only told me to wait until Friday. I requested to talk with a supervisor or manager she said no one was available but she transferred me and requested a callback. Nothing has been resolved. 
Payments : - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19 for {$2200.00} and cleared my bank account on XX/XX/19 - Payment on XX/XX/19 for {$1100.00} over the phone and cleared my bank account on XX/XX/19

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 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.

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 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account on XX/XX/19and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX Auto Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/XXXX XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on XXXX report from XXXX  XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from XXXX, Transunion XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.

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 2019-09-03 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.

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 2019-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I thought I had auto-payment enabled on my account. A small balance posted in the meantime. I didn't realize a payment was due until I logged into XXXX on XXXX and that I had an account past due. I then received a notice from Bank of America dated XXXX on XXXX saying that they had closed my account. Upon calling them on XXXX, they wouldn't re-open the account without another credit pull, nor would they remove the XXXX delinquent notice from my credit file.

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