vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Had an outstanding business balance with American Express. I was in constant communication with them about our planning and timeline for paying the balance down. The performance of the business only allowed us to pay ~$XXXX/month. Without notice, American Express closed my business card AND personal card and sent the balance to collections which created a XXXX point drop on my personal credit score. When I called back into Amex I was able to negotiate a payment plan, but the company would not reinstate my business card even with the agreed to plan, and would not reinstate my personal card. They informed me that even though I had agreed to their payment schedule, my card would remain with collections and my credit score would not improve. The only solution is to pay the balance in full, which the business cannot support. So on the one hand they are offering a solution which does not alleviate the financial strain they have placed me personally under while on the other they are saying that nothing can be done until the balance is paid off. So my ability to do anything else to improve my financial situation personally (refinancing student loans, consolidating personal debt etc) - things that would give me more cash on hand to better support my family have to be put on hold until Amex is paid in full. This is extortion. Separately, since my business is under XXXX years old, all financing options with reasonable interest rates have to be personally guaranteed by me, so having a poor credit score creates problems in my ability to secure financing solutions for the business for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
When applying for any credit product with Comenity Bank, I keep getting the same letter claiming my credit report has a freeze. One letter today in the mail states that I have too many inquires within the bank itself and they used XXXX, but XXXX is LOCKED and that is false information. I have enclosed all the supporting documentation.Also when calling any of the numbers on the letters from my number I get a recording that I am not authorized to contact that number.So how can I contact my creditor if they have the number blocked? A copy of that recording is enclosed too.I contacted the bank on a different line today and the representative said that my credit file has a freeze, which it does not. She said to wait XXXX days after contacting the credit reporting agency and re-apply. This same thing has been going on for over 7 months, same letters, same calls, same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I recently filed a dispute with CBNA in regards to a supposed inquiry that the company claims I made in XX/XX/2018. In there response they did not verify ANYTHING. They are saying that I inquired for credit online. They have not provided proof of a WET SIGNATURE or considering it was supposedly done online, they have not provided an IP ADDRESS associated with my home address. They don't have any of that because I never inquired for credit.They have not and can not provide documentation proving any such inquiry was made by me.

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 2019-08-20 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: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Had credit card with Barclay (Juniper) Bank.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, Barclay is reporting to XXXX that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with XXXX in which Barclay's declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to Barclay's.  I was told to contact Barclay directly to fix credit reporting error. I spoke with XXXX from Barclay and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: NV

Complaint narrative:
I have A XXXX money network exceeds card which are issued by XXXX XXXX XXXX and maintained by XXXX XXXX XXXX. On XX/XX/XXXX they charged me XXXX, on XX/XX/XXXX they charged me XXXX, and on XX/XX/XXXX they charged me XXXX  for an account maintenance fee which is unusual since I have had the account since XXXX and I have never been charged a maintenance fee. I have screen shots of all my account months to prove that I have never been charged a maintenance fee until XX/XX/XXXX until XX/XX/XXXX and all three amounts are different. The reason for me not having to pay an account maintenance fee was that I had at least a XXXX in direct deposit each month. I called the phone number on the back of the card XXXX XXXX an operator that barely spoke any english answered the call and said: That they do not have access to fix that and yes she sees that I had never been charged it before. So they even admit to screwing up and stealing it but she's sorry she doesn't know how to fix this problem and neither did her alleged supervisor. I would like XXXX XXXX to return my XXXX and stop stealing from me and then when confronted about it stop lying about it and saying they can't do anything about it, which they have done in the past. Sounds like to me XXXX XXXX is up to its old tricks again and needs investigated. I will copy this statement and forward it to the appropriate people like i did last time XXXX XXXX stole my identity to open illegal accounts guess they have not learned lol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am applying for TEPSLF Loan Forgiveness because I qualify for it but not for PSLF due to being on Standard Extended plan, which servicer originally told me was right plan for PSLF (but wasn’t). I have made 122 monthly payments on time since XX/XX/XXXX, and have been full time with the same qualifying federal employer for the last 144 months to present. On XX/XX/XXXX, FEDLOAN asked for my income, family size for TEPSLF process. I provided to them via their app document upload XX/XX/XXXX. Today XX/XX/XXXX, they say since I never provided that info, they are canceling my TEPSLF request. They lied, and I have the upload and email proof I provided info on time. They have failed to provide correct loan calculation of all qualifying payments, and refuse to process my loan forgiveness. They continue to intentionally mismanagement this program and are committing fraud by lying about not receiving the requested info. Online search reports they deny 99% of people who qualify for loan forgiveness...Can President Trump and the Education Director fix them? No other financial institution make these kind of errors, therefore it must be intentional by FEDLOAN. Please help, they refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian XXXX XXXX, CEO has failed to send me a copy of the documents that they used to validate the alleged debts on my credit profile as required by law. 

I never receive a notice from either collection agency. I have never been in communication with the collection agencies by or mail. 

Debt Validation is Time-Sensitive Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. 

If you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.

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 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
i got a {$1000.00} loan on my truck told them for the start my payday is on the XX/XX/XXXX of the month because im on XXXX.i get way behind because i was being charged daily on interest .a 12 month old loan and at 10 months i was informed i had only paid {$40.00} toward the principal.well to get them off my back, calling me day in and out, the refinanced a second loan of which i was 6 days past due and only had half my payment which was $ XXXXI went to the office on the XX/XX/2019.they refused my payment, claimed they can not take anpost dated or personal check.the next day i get a letter in the mail if i dont have 2 full payments of {$160.00} which comes to a total of {$320.00} the are going to repo my truck and thats truck is all i have that is worth anything and it 24 yrs old.i cant lose my truck ts all i have to get me to and from my drs apts.i dont have family or friends that can help me.im all by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am trying to obtain the agreement used by GE Money Bank and Paypal back in the year XX/XX/2006. Unable to obtain agreement.1.  Is there a way to obtain this agreement in XX/XX/2006? 2.  What federal statutes apply to them having to keep a copy of the original agreement ?

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 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I received a voicemail message from my loan servicer, PennyMac to call them regarding a "problem" with my account.  I called them back and spoke with someone named XXXX.  She said that my account was approximately XXXX  short.  I don't remember the exact dollar amount.  She then said the payment was not applied correctly and for me to hold on while she had the payment applied correctly.  She then comes back on the line and says "did you get your escrow statement?"  I said yes and I sent the extra escrow payment along with the regular payment (actually, I sent more than the regular payment).  I told her that I had proof that both payments were received but she did not believe me.  She said well the amounts don't match up and we haven't received any payments.  She first said the payment was not applied correctly, but now she is saying that they did not receive "any payment".  I explained to her that I had proof that both payments were received.  She then said well you need to work that out with the Escrow Department.  I took her tone to be very condescending and disrespectful.  I was not surprised, because this is the case with just about every employee I've spoken to atg Pennymac.  I 100% dread calling there for any reason because I know the call is not going to go well.  It's as if they teach their employees how to frustrate their customers.  At any rate, she had me on hold for over 10 minutes until I had to hang up.  I go to work to work, not sit on hold while your employees disrespect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I notice 5 charges that was not authorized by me and that bank of America did not pick up,  I immediate lock my credit card and dispute the charges that were done in South Carolina, Florida and Georgia .  I call them and it has been more than 10 business days and they have not credited my account.  The fraudulent charges continue and I was issue another card.  However 10 business days has passed, XX/XX/2019 they still refuse to credit my account.Disputed charges XX/XX/2019     XXXX XXXX in South Carolina: XXXX      XXXX XXXX XXXX in South Carolina XXXX XX/XX/2019: 2 charges from XXXX of XXXX                                          XXXX XXXX  XXXX: 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 monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Hi,I recently discovered that my bank, USAA placed a hold on all of my checking accounts for varying amounts of money due to the fact that the state of Virginia placed a incorrect funds hold. The state of Virginia believed that I owed back taxes for 2015 but they were incorrect because I did not live in Virginia in 2015 then or now. I was required to fax my tax documents to the state of Virginia in order for them to removed the hold on my accounts. Once, the hold was removed, I discovered my bank USAA had charged me XXXX fee for legal services rendered. I feel this is an unfair and unjust charge as I did not owe back taxes to the state of Virginia, therefore, should not owe XXXX. I disputed the charge with no success because they stated its their policy and will not budge under any circumstances.This fee seems more like a scam between banks and the state. The state falsely places a hold on someone’s account and when rightfully disputed, they release the funds but the bank unfairly profits. This scam could have attacked hundreds to thousands of people creating a significant source of income for a bank. How a bank can justify its use in fees in beyond me in this case.Is there any legality to these ‘legal fees’? Is there any process that I can take on to get this investigated in an official capacity? What is my recourse for this?I appreciate any help that you can give at this time.Thanks,XXXX XXXX

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a ticket for my mother on XX/XX/2019 to travel overseas for XXXX $ using citi bank credit card..As my mother was diagnosed with XXXX,doctor advised her not to travel. On XXXX I paid XXXX as change fee to reschedule her flight.I opened a case with citi bank , case # Citi Card Benefits Request XXXXI submitted all requested documents to adjustor on XXXX. I was told that he/she has all information and she would approve in less than 2 weeks. He/she made some update on XXXX to restart clock of 2 weeks. I inquired again on XXXX to ask status on this case and requested to talk to adjustor but couldn't. within couple hours now he/she is asking for claim amount, this is basic information that adjustor should already have it or have asked for it long time ago. I have a fear that citi bank may be using delaying strategy hoping consumer would forget. They are asking and taking delaying case 2 weeks at a time . can you please look into this?Thank youXXXX

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am contacting you with hopes to have this negative information removed from my bureau.  I have no knowledge of these accounts and have been a victim of identity theft and fraud.I have attached the police report, FTC Identity theft ID, and FCRA Furnishers letter as a consumer for protection and rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Had credit card with XXXX (XXXX) XXXX.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, XXXX is reporting to Experian that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with Experian in which XXXX declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to XXXX.  I was told to contact XXXX directly to fix credit reporting error. I spoke with XXXX from XXXX and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.

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 2019-08-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian In the results of their FOUR investigation of MY SIX Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery stated I owe them XXXX and the original company is XXXX XXXX XXXX XXXX. They stated I opened this account on XX/XX/XXXX but at this time I was incarcerated and there is no way I could have open this account. I do not have a sign contract nor do I have any contract with Portfolio Recovery nor do I owe XXXX XXXX XXXX. I have never did business with these companies. I am not liable for this collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had loan accounts opened in my name and it has negatively impacted my credit ratings.  I received a call when I used to bank with them that someone had tried to open several accounts with my information so not sure how this even happened?They have placed this on my credit reports and I am a victim of fraud and identity theft and never signed any documents opening any loan accounts

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