vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CT

Complaint narrative:
XXXX XXXX Stated that they reached out to me in regards to my credit card was sent to collections without my knowledge. The amount due is {$1500.00}. There were fraudulent charges on my card and the fraud department expressed to me that the funds would be put back on the card for me to utilize. The card is in collections and they stated that they contacted me but I never received a call concerning this. They have been extremely unhelpful and unprofessional in my attempt to get a better understanding. Furthermore, they lied the last time I reported XXXX XXXX XXXX. I reached out to the President 's Office several times and got no correspondence back via telephone. I would like them to stop the late payment charge so that I can pay it off due to there negligence in staying in contact with me regarding the collection status of the credit card.

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 2017-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.

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 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am having trouble with a check that Bank of America deposited from my checking account, though the check was never deposited or even signed. 

On XXXX XXXX, XXXX Bank of America issued a check for {$950.00} through automatic bill pay ( rent payment to my landlord ) I have paid rent through the automatic bill pay for over a year. On XXXX XXXX, XXXX the check was shown through my bank as delivered and cashed on that day. 

On XXXX XXXX, I was informed by the recipient that they had not received the check. On XXXX XXXX, I called the bank and started an investigation. On XXXX XXXX, the recipient found the missing check ( lost in their paperwork ) which was unsigned and they affirmed that they did not deposit it. On XXXX XXXX, the recipient returned the unsigned check to me and I called Bank of America to updated them on the situation. They said that they will need to investigate more. 

On XXXX XXXX, I called Bank of America for an update on the investigation. They told the have no new information and are just starting the investigation. They told me that it will take 60-90 business days ( until XXXX ) to clear the issue on their end. 

While I appreciate that they are careful with the investigation, I feel that clearly the bank made an error and should return the funds immediately. Especially considering that I am in possession of the unsigned check. The fact that it will take 3 months to resolve is unacceptable.

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 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Trying to invest in XXXX currency wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Sierra Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. 

SS # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I applied for deferment on XXXX/XXXX/XXXX due to financial troubles. It was approved on the XXXX - My deferment is good for XXXX - XXXX. They attempted payment and caused my account to become overdrawn. The payment kicked back along with an extra {$36.00} NSF fee. Today XXXX/XXXX/XXXX they attempted payment again. This has caused a XXXX dollar charge to turn into an {$120.00} debt that I was unable to pay in the place - hence the deferment.Tried to contact Navient and all numbers are busy with no response. 
I feel cheated because I filed the proper paperwork to defer and there is literally no number to call and correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The card company wont remove 30 day late despite fraudualent card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Avantus, LLC
State: TX

Complaint narrative:
Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed the bankruptcy on my Equifax credit report and Equifax claimed they verified the information through XXXX but they could not have due to a freeze on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I referred the amex XXXX XXXX card by email to my sister, and she applied the credit card with my email link. She was approved right away on XXXX. I was next to her, so I am 100 % sure she applied the credit card through right link. I opened the investigation on XXXX. But I did n't get any bonus yet. I contacted the amex several times by chat. They always said the same answer like the answering machine " it is processing '' that is it. I am not sure they really start to investigate or look it up. I understand it will take some times, but there is no willing to resolve the problem or explain the detail info to the customer. Plus, they did n't send me any email about my inquiry or any representative did not explain how is processing or why it takes so long ... etc I hope I can get any answer from the amex. 

The referral person was approved the card on XXXX Opened the investigation on XXXX Amex XXXX XXXX the bonus is supposed to be XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.

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 2017-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Nothing has been provided. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

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 2017-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: TX

Complaint narrative:
Torres Credit Services is attempting to collect on a debt that I do not owe to them. I 've never heard of this company or done any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: LA

Complaint narrative:
I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.

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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I currently have an open automobile account with Santander consumer USA and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now XXXX removed the account from my XXXX report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00}  with no reason after I called Santander it shows that is incorrect! I want XXXX to put the account back on file as it was and XXXX XXXX to correct the amount owed to Santander consumer USA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.

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 2017-12-22 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.

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