vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. American Express says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I tried to pay my XX/XX/2018 monthly loan bill but Santander system isnot working and will not take paymnt. They say that they are open at XXXX and I called before going to work but the recording says they are still closed. I can not call them when I am at work and Santander onlinewill not take my payment. They are making me pay monthly bill late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: NY

Complaint narrative:
XXXX  and experian are reporting two negative accounts one from XXXX XXXX and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by XXXX XXXX and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time

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 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase United Mileage Explorer Plus Card states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX around XX/XX/2017. to purchase a set of earrings. The total was around. {$40.00} The operator stated Apply for a XXXX card we will take {$10.00} off of the purchase. 
No application ever arrived, I made my payments on flex-pay. Months later I started getting e mails  from " XXXX '' stating I owed {$12.00}. ( do not respond to these emails is indicated ) Some time after my third contact explaining that I have no XXXX  Charge card, and never did business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- Billing issues XXXX. 
I applied for a loan at my credit union, I was turned down because this has now made it to my credit bureau. I also lost a job and many other damages resulted. 
They increased the fake indebtedness to {$220.00} ( from {$12.00} ) XXXX representatie said ( he'd pay them whatever they want.. ) That alone must be usery. I was never offered an application, let alone terms and conditions, before or after the fake loan was published. I agreed to nothing written or otherwise. 
The next attempt to reason with them resulted in the representative from XXXX tried to make sense with his bank, stating I will pay the {$12.00} .... Too little and too late. She now demands {$26.00}. At that time this was removed from my credit bureau, XXXX paid their bill. They still insist an account exists!!!. MY damages still need to be compensated. Life is short. Time is all we have in this world and to steal my freedom and push me into a ward of the government. Dependent on the state is more than wreckless. 

I am certain they do this to tens of thousands of people. If you took a vote, and asked everyhone who has gotten an XXXX CARD what happened, you'd be in for one of the biggest scams ongoing in America. 

XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.

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 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I no longer have the ability to make payments online. They appear to have updated their website, and my loan is a legacy product. I attempted to make my payment for XX/XX/XXXX and found this out.

After they forced me to send screen shots, they sent me a legacy link that was supposed to allow me to make my payments. I attempted to make my payment for XX/XX/XXXX this way, and still have no ability to do so. 

The only way to make payments is to hope to get transferred to someone at Capital One that has access. That takes over a half hour. This loan is set up to be online only. Thats in the terms of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called capital one regarding a {$9.00} charge that was mailed to them but not received on account number XXXX XXXX XXXX XXXX. Because this went deluquent 30+ days it dropped my credit score 50+ points and is preventing me from buying a home. I discovered the issue while trying to obtain a home loan. Capital One said they will do nothing about this even though I have never had this issue with them before and the account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!

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 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently enrolled in a loan modification. I was given a new principal and a partial HUD claim that needs to be satisfied to pay off my home. I was assigned a home preservation specialist to assist during this process. My total due is almost exactly what my original loan was for years ago and have made many payments. I requested a breakdown to show how this was possible and was told they cant provide that. I was told no one else was available to call there to help me with this 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 explanation
Consumer complaint received 2018-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
capitol reported 2 credit inquirers in XX/XX/2017 XX/XX/2017 I did not auhourize these their phone number is XXXX XXXX XXXX I contacted them and they told me they would remove them but they only removed them from XXXX  not XXXX XXXX report I sent XXXX XXXX a letter over 6 months ago still no response they know they were unauthorized by me they removed XXXX but not XXXX XXXX please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Last year I fell a little behind in my mortgage due to health issues and financial loss, I contact Mr. Cooper who was assigned to take over my mortgage from XXXX XXXX in which I was not made aware of that change until XX/XX/XXXX. 

So for months, I was explaining to them of my hardship and they stated they would work with me I thought I was approved for loan modification in which I started to make payments of XXXX in XXXX. While trying to following there online system which failed when trying to make payments it refused mine and thus being said they denied my modification and now they have placed me for foreclosure. 

This company is hard to get on the phone and I am so frustrated I never had a problem with XXXX XXXX and I never missed any payments until last year and now they are telling me the XXXX XXXX has my loan and there is nothing to do. Please help me I am able to make payments now if they would just work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: MS

Complaint narrative:
I had an American express gold card ending in XXXX as was told to me. However, I filed for ch XXXX in 2011 as my card was cancelled. Lately I have been trying to anew my credit but was advised by amex gold card  that I have a XXXX balance and that I have 2 more authorized users who's balances are line in the XXXX. First of all I am in Mississippi and I would doubt that I would have accrued XXXX in debt and to add 2 XXXX  names to my card is absurd. I request for this issue to be resolved and for my name to be taken off the amex black list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo opened another checking account under my name without my permission. This happening a few months ago - I am not sure on exact date. They have been charging me $ XXXX/month if the account does not have {$1500.00} in it. I already have a primary checking account with them ( that I will be closing and taking elsewhere ) so this did not make any sense to me and I received no forewarning by means of letter or phone call prior to this account being added. When I called - they told me they were transferring my savings into this account - again with no explanation.

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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2018 I went to Experians web site to check my FICO as I receive free FICO scores from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I wanted to compare credit reports. Experian offered for {$1.00} a FICO score and part of the offer was to cancel at any time. I tried to cancel immediately at the link provided but instead of cancelling the link automatically created a membership and upgraded it to {$24.00}.

I tried on numerous times to cancel via emal and this is an examle : I have NEVER subscribed to your service yet you have unlawfully taken {$24.00} from my visa account and plan to do it again on XX/XX/XXXX.

I tried to take advantage of your free 30 day trial to see my FICO score and then tried to immediately cancel because I get my FICO from XXXX XXXX XXXX and XXXX and XXXX and XXXX so I did not need any more information from you, I tried to cancel but the number you provide does not let you cancel but cause an upgrade.

AGAIN I never authorized you to bill me for ANYTHING.

I will dispute your attempt to bill me on XX/XX/XXXX. I think what your are doing is both un ethical and illegal and I will be filing complaints with the regulatory agencies and ask legal counsel if I have the grounds for a class action suit to stop your disgraceful practise.

mysignature.jpg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX last 4 XXXX I have received two dozen solicitations from Experian but none dealing with my inability to cancel. I responded to every email that my intention was to cancel the free trial for which I was billed {$1.00}. Apparently Experian has taken {$24.00} from my visa card for the past two years and they were never authorized to do this.

I can not get them to stop emailing me and I am awaiting the {$24.00} bill on my XXXX XXXX XXXX visa so I can formally dispute this, I have talked to XXXX on the XX/XX/XXXX about this unauthorized charge,

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 2018-08-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following letter was sent to XXXX without a response : To whom it may concern, XX/XX/17 I am notifying XXXX and its representatives that I am disputing a credit enquiry made by your company on or about XX/XX/2017. I was in a XXXX  store located in XXXX South Carolina when I was approached by a XXXX representative who enquired about my television service. We began discussing different options that your company offers. After taking some of my contact information the representative asked me for permission to do a credit check. I immediately refused. The representative thanked me for my time and the conversation ended. I left the store. I have since monitored my credit reports to find an unauthorized hard enquiry was made by DIRECTV.

In accordance with the Fair Credit Reporting Act, please remove this enquiry from any and all credit reporting agencies that this enquiry has affected within thirty days of receipt of this letter. My contact information is provided below.

( Included was my personal information including name, address, and telephone number ) ( I have removed this information in accordance with the instructions provided. )

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