vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have a Fortiva credit card and I noticed that on XX/XX/XXXX and XX/XX/XXXX I was charge by XXXX   {$180.00}. I didn't notice the charge until my XXXX statement and on XX/XX/XXXX I call Fortiva to complain about the charge on my cardthak I did not make. They explained to me the would send me a complaint form out asap and once they received that then they could move forward with my complaint. I asked is there anyway to go online to their site to make this happen faster and was told its only by regular mail. I had no choice but to wait for the mail to command since my complaint to Fortiva Credit Card Services they have sent me a new credit card because the old was tainted as they said and I have also received my XXXX statement. I decided to call Fortiva Card services on XX/XX/XXXX and ask where the complaint form was and the gentleman on the phone said I should have seen it and he is going to send me a new one asap for me to file my complaint. XX/XX/XXXX still No complaint form so I call Fortiva card services again and this time I ask for a manager and I was told mangers don't talk to people on phones. So I asked are you located in the Staes or over seas he says he is from XXXX   and I asked again for a manager and he says again our managers Do Not talk to people I will get a supervisor so I agree but before transferring me he tells me the person I spoke to on the XXXX of XXXX can't mail you a 2nd complaint form you only get one by mail then he offers me to have a form emailed to me. I asked is this something that has always been available and he said yes email or regular mail and I asked why that wasn't offered when I asked on the XXXX and the XXXX of XXXX and he had no answer. I finally got the supervisor on the phone and asked is your office located in the states and she said No we are off shore so I asked again to be transferred to the states to speak to someone. She then said to me we Do Not transfer people to the Staes we can't. I have been trying to get this fraudulent charge off my card with Fortiva for 3 weeks now and I am NO further then I was on XX/XX/XXXX. This is getting very frustrating that they do NOTHING for their card holders. I just want my {$180.00} plus all interest charged to me back on my card and my credit card company Fortiva has done Nothing but lie to me and give me a run around. This scam that XXXX has going on is all over the internet with A LOT of people complaining to their credit card companies and they are getting results like paying back the persons card and dealing with getting the money back on their own not making their card holder wait " the proper way of doing things ''. 
Thank you for you time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oklahoma Student Loan Authority
State: TX

Complaint narrative:
I took out a payment plan in XXXX of 2017 with the University of XXXX, and paid that off in full at the beginning of this year in order to apply to XXXX XXXX College. I  never took out a federal student loan, and this is saying that I owe {$4000.00} which is almost the exact amount I paid to University of XXXX. I don't understand why I have a federal student loan on my credit report because I never filed one. I don't know what paperwork I need to attach, since again, I did not ever take out a student loan. It's always been payment plans that have been paid off. I do not owe any money to any institution other than XXXX right now, and I refuse to pay XXXX dollars to the feds when I didn't even get to finish my semester due to Hurricane Harvey and lack of transportation and housing. Please let me know what my next steps are. I need this off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc
State: GA

Complaint narrative:
`Debt collector charges {$2700.00} for debt of {$1300.00} and refuses to provide documents showing their authority to collect debt. Notice of debt was not sent until AFTER collection started. Creditor also charging interest when no authority is specified giving authority to charge interest. They also do not credit me with any of the funds they received for selling my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Below is a copy of compliant to PNC customer relations that explains our compliant with no resolution from PNC as of today. 

Ms. XXXX, My husband and I filled out an Credit line application on XX/XX/2019 ( Collateral against home ). NOT a HELOC we did not want to refinance. 
Ms.XXXX  was very knowledgably and explain exactly what we wanted. It was explained as a more relax process and quick closing process. 
it has been one thing after the next, its like rules are made up along the way from the underwriting team. 

On XX/XX/2019 I received a letter of CREDIT APPROVAL stating that we have met the credit and income qualifications for the loan. PNC is pleased to provide a Credit of  Approval for your credit line! ( waiting for date to sign documents ) What a sigh of relief we let out. We begin contacting our creditors to get pay off quotes and bargaining for lower numbers, finally a lower interest rate and one payment, we can see light at the end of our dark tunnel. Spoke with Mr. XXXX XXXX he stated everything was on course but bank request a walk through appraisal, I ask was everything ok he stated yes and PNC is doing everything to get this loan to closing and if we could open PNC checking account we will save 0.5 % on loan and pay loan through PNC auto checking. 

After 's this conversation my husband and I activate our cards and set up the online app. XX/XX/2019 Mr. XXXX contact me & met me at our home I was taken off guard due to it was XX/XX/XXXX for us. I ask Mr.XXXX if we could say a simple prayer after 's he proceeded to walk through home expressing " your home is lovely ''. I pointed out all windows ( 25 ) hadbeen replaced the sliding doors to patio/deck both sets replaced with French doors etc. Mr . 
XXXX stated the windows and upgrade adds value to home. XX/XX/2019 Mr.XXXX   called about XXXX XXXX stating someone will contact me about appraisal. 

I stated he came XXXX Friday which was a shock because it was good Friday I reiterate. Mr. XXXX stated he wasn't aware the appraisal had taken place but was glad so we could close. XX/XX/2019 I open my email seen PNC had emailed me twice stating loan updateand I will receive a notice via mail in 3-5 days ( I have spoken with Mr.XXXX often ) but Silence on this Monday and days to follow. 
I contact Ms. XXXX and inquired about the email. We begin to seek legal counsel for BREACH of TRUST, Falsified information, Poor & Lack of Communications. I reached out to XXXX on your side consumer team she stated this sounds like " XXXX XXXX '' fraud and theft scheme done by inside. WHY DISCRIMINATION only after the appraisal came things took a turn its a well known facts people of XXXX skin homes are appraised lower than XXXXXXXX Lead in Rejections for Home Loans, Homes in XXXX neighborhoods significantly undervalued ... 
XXXX : XXXX Looking forward to resolving this matter asap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
They I still own {$7800.00} on car I dont under stand. Im paying on car twice. 81 months finance ok. I dont understand I own so much They are riffing me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: PA

Complaint narrative:
On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. Experian investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: MD

Complaint narrative:
i applied for a job and the company preformed a Fair Credit Reporting Act, Consumer Reporting Agencies reported investigation into my background history, the consumer agency reported and Driver Involved Accident ( XXXX ) which denied my pre-employment interest with e transportation company. The Information reported to the company is not accurate with the XXXX XXXX XXXX XXXX XXXX, PSP screening program. By rule, the individual can request to obtain information about a file of a consumer reporting agency, if you are unemployed but expected to apply for employment within 60 days. Consumer reporting agencies must correct or delete inaccurate, or unverifiable information ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: ZWICKER & ASSOCIATES
State: PA

Complaint narrative:
On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX   investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/19, I noticed I had unauthorized activity on my account at Citibank. On the morning of XX/XX/19, I contacted Citibank to start the fraud investigation. During that time, I was asked a series of questions. One of them was : did this charge originate in XXXX or somewhere else.

This is a fraudulent charge I know nothing about, how would I now that answer?

The agent said it's showing in XXXX, so just say yes.

I asked the agent if he knew the answer then why am I being told to answer the question myself with his provided answer. I expressed my concern that this could lead to obstruction of justice if it became a criminal investigation. The agent refused to start the investigation unless I answered.

I asked for a supervisor who then repeated the same thing, and then hung up on.

I then went to a local branch and spoke to a branch manager who said he couldn't do anything and implied I was misunderstanding the agent. So I suggested we go into his office and call on speakerphone.

We did, the agent on the phone said the exact same thing as the other 2 agents and then hung up on us again. The branch manager shrugged his shoulders and said to come back in a day or two. All the while, I'm unable to get my stolen money back, withdraw any of my money, or even close my account to prevent any other fraudulent 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 2019-07-18 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: NY

Complaint narrative:
On XX/XX/XXXX funds in the amount of {$800.00} were fraudulently withdrawn from my account using a third party ATM machine. This withdrawal was not authorized by me and I notified Bank of America immediately. I had my debit card on me so the only way this could have happened is someone duplicated the card and stole my information. Being an account holder with Bank of America I trusted them with my personal information but records show sensitive client information has been breached and compromised before. On XXXX Bank of America provided a temporary credit adjustment while they " Investigated '' on XXXX Bank of America closed my claim XXXX not in my favor with the decision " Unable to pay '' I called them immediately and demanded answers and requested back-up/proof, evidence any substantiating documents to corroborate their decision and justify the claim determination. Since XX/XX/19 I haven't received anything in the mail or phone call providing me updated status. I spoke with XXXX XXXX XXXX XXXX XXXX who assured me this would be taken care of. I emphasized the importance of the required documents I needed to provide to my lawyer, but I haven't heard any follow up. We only spoke to confirm that it was actually me who filed the complaint with the CFPB. I have attached all the documents related to this complaint for your reference. Your immediate help and assistance in mediating and resolving this complaint would be tremendously appreciated.

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 2019-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
In XX/XX/XXXX I had to have emergency surgery to remove a XXXX. Part of my large XXXX, XXXX and my entire XXXX was removed. I used my Capital One card to pay for some of the surgery. At the time I was temping at XXXX and did not have health insurance nor short or long term disability. I did not have any savings either since I had just relocated. I was supposed to return to work in 8 weeks. I returned after only 3 because I did not have any money. I called Capital One numerous times in XXXX, XXXX and XXXX of XXXX asking if I could pay {$25.00} to {$50.00} a month. That's all I could afford. They told me the amount was too little and they would proceed with the credit agency. They sued me. They are now garnishing my paycheck and it is an undue financial hardship. My check should be, after taxes, {$1100.00}. It was {$680.00} after the garnishment. I get paid twice a month so my paycheck total monthly will be {$1300.00}. My rent is {$870.00}. My car payment is {$420.00}. My car insurance is {$95.00}. My electricity bill is usually {$45.00}. That is a total of {$1400.00} for my bills for the month. This amount does not include food or gas for my vehicle. I am also the primary caretaker of my XXXX year old father who I sometimes help out financially. I have tried numerous times to negotiate with Capital One as well as the crediting agency but they referred me to the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have a 1st mortgage with XXXX XXXX. The loan investor is XXXX XXXX. I have a 2nd mortgage with Navy Federal Credit Union. 

XXXX XXXX will only allow a total payment to Navy Federal Credit Union of $ XXXX as part of the short sale and Navy Fed is refusing to consider this amount. Navy Fed is demanding $ XXXX. 

I simply want this escalated to a department that can possibly override the collection dept. of Navy Fed to see if someone can reconsider the $ XXXX offer from XXXX XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
Today, got fifth call and hangup from XXXX. I called it for second time and lady told me again that it was mine when she called back. Refused to tell me MY NAME. She called back and used fake number and called me a deadbeat XXXX. I know this is not my debt. I'm retired, own 3 homes in XXXX, XXXX, and XXXX. Have over $ XXXX in LIQUID ASSETS and credit rsting of XXXX. I've had it with this XXXX and wish to take revenge on this miscreant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: SC

Complaint narrative:
Good morning. 

I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. 

I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. 

The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX   XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. 

I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
In XXXX I retained Freedom Debt Relief to help me with my credit card balances since I new I was going to be laid off in the near future after contacting them. I had 4 CC bills I wanted to settle, They told me for a set rate they can negotiate my debts and eventually get my credit cleared up. They gave me a name to a litigation service that works with them for an additional {$XXXX} per month but told me it was rare for that to happen. Last summer XXXX I was sued by a creditor in which I had to involve the litigation firm, then they told me I had to raise my payment over $ 250/month. They told me I just didn't have enough funds to pay this. Now a year later I just received another Summons and i am being sued by another creditor listed with them, that they did not settle and told me it was a small one and they needed to wait til the creditor was ready to negotiate. So again they tell me I don't have enough in the account they have for me to pay this. 
I feel they have done nothing but scam me on this. Prior to obtaining them I researched them online and saw good reviews. Apparently I didn't research enough!

Company response to consumer: Closed with monetary relief