vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I received emails about a ticket transaction that was unfamiliar to me. I checked my Bank of America account and realized I had suspicious activity. Charges I had not made to a company called XXXX XXXX XXXX. 

I was charged on XX/XX/2019, the transactions are on my statement as follows. 

TICKETS XXXX XXXX CT {$100.00} also TICKETS XXXX XXXX CT {$160.00} I read the instructions on their website and called. I checked with anyone that has access to your account. No one has access besides myself. If you still suspect your information was stolen, please call us at XXXX to file a claim. I called and had my card cancelled. For your protection we will close your account to prevent further use, open a new account and issue you a new credit card. They issued a new card. My fraud dispute appeared on my card activity on XX/XX/2019. 

The charge was credited back to my account while they reviewed my claim. 

I received a letter on XX/XX/2019 stating my fraud claim was not approved. I called again and asked them to renew my complaint when I saw the transaction reappear on my bank account before the letter arrived. 

I am still receiving emails from the company XXXX XXXX XXXX. They do not have an unsubscribe option and I am not comfortable calling them. This is a link I found through the email they sent. https : 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 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX XXXX XXXX has been increasing my collecting debt every month for the past 4 months since I call them to settle the debt amount to pay and they instead of working with me are continnuesly increasing the amount

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 2019-02-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.

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 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: OH

Complaint narrative:
There are numerous debts on my credit report from XXXX XXXX. The debt have been paid and are noted as a charge off. this is hurting my credit report. the accounts need to all be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2019 I tried to withdraw the cash out on my Square Cash app. They have 2 options : 1 ) add immediately which charges a fee 2 ) receive in 2 business days. This transaction was for {$160.00}. I received another payment Wednesday and I chose the same option and that cash was to be deposited into my primary banking account on XX/XX/2019. On XXXX I received another virtual payment and I opted in for the fee due to the issues with the transaction on XX/XX/2019. 

I contacted Square Cash XX/XX/2019 and they claimed they have been aware of this issue and they are working to fix it. However, they are not providing a disclaimer that this function is not working. This means people are expecting their money in 2 business days but they are not receiving their withdrawals or an explanation unless they email their customer support email.

I am waiting on almost {$200.00} and it was advertised I would receive this money Tuesday and Friday. I havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: GA

Complaint narrative:
Experian shows XXXX acct # XXXX as a KD on my account. Now I enclosed a document showing they sold that account. I have been trying to get Experian to remove this from my account because they sold this account.

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 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: AR

Complaint narrative:
Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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:
My identification was stolen in late XXXX, they were able to clone my credit and debit cards. They were able to steal thousands of dollars from my bank accounts. I fax them my letter from XXXX seeing that my identification was stolen and cards were being cloned. Plus I send them the affidavit as well but Experian is giving me a hard time to remove these items. # ( 1 ). XXXX, # ( 2 ). There are two XXXX XXXX accounts that were open in XXXX & XXXX. # ( 3 ) There is also a XXXX XXXX XXXX was Paid In Full and I was never later and they have it as a negative remark. I fax them several times proof that this account was Paid In Full, I even did a conference call with XXXX XXXX. Experian did fix this at first but about a month ago they change it to a negative remark. 
Thanks 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 explanation
Consumer complaint received 2019-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please treat this as a dispute of the amount that Bank of America, N.A. claim that I owe and the amount that Bank of America, N.A. has been collecting from me since the origination of my automotive loan. To be specific, based on the information that I recently learned, Bank of America, N.A. erroneously charged me and has been collecting from me an amount that falsely included a XXXX XXXX XXXX XXXX ( Option Code : XXXX, Form Number : XXXX ) warranty ( Warranty ) which was wrongfully and unilaterally cancelled by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, ( Dealership ). Herein, I am disputing the principal balance, calculated monthly payment, interest and any fees or costs that Bank of America, N.A. claims I owe or that Bank of America, N.A. has collected from me to date since no warranty, no notice of cancellation, and no refund have been provided to me in exchange for what I have paid to Bank of America, N.A. I am requesting an investigation and response to my dispute raised herein and an explanation of whether or not any amounts have been refunded by or to Bank of America by either XXXX or XXXX as it relates to the Warranty and my automotive loan.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I just have old things on my credit and it never goes Away

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 2019-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX A letter was sent to me in an attempt to collect money to a closed account. 
The account was closed by PayPal on XX/XX/XXXX. 
I do not know of this account PayPal Credit is referring to XXXX. 
The money that PayPal credit is trying to collect is a third party collection. 
Synchrony Bank is the creditor PayPal Credit is the collector PayPal is some how included Since My PayPal Account is closed I have no way of disputing these false charges. 
These Companies also are not licensed in the state of Connecticut as banks or as collection agencies.

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 2019-02-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.

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 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This bank charged me 3 overdraft fees when I only should've been charged one for the {$80.00} ATM withdrawal. I had two pending transactions totaling less than {$4.00}, the money had already been removed from my account it just hadn't been posted but they charged me overdraft fees for both transactions when they posted. How were there insufficient funds when the money was already removed from the account? No other bank does this. They also reorder transactions to trigger as many fees as possible. I've seen numerous complaints about this bank doing that. I've tried to resolve it 3 times now and they won't do anything it's ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: ADP, LLC
State: OH

Complaint narrative:
Since XX/XX/2019 I have been going back and forth with the credit card company ( global cash card ) because I called them and I told them I wanted to get my tax refunds loaded to my card I already filed and I had put that information down on my taxes. well they tell me that I have to send them a copy of my ID ( drivers license and my social security card so I do that and then I called back the following day because they told me it only takes 24 hours and now they are telling me that they're denying my case because my ID has my married name and my social security card my has my maiden name. well on XX/XX/XXXX I had went to Social Security office and got my name legally changed and I had to wait for it in the mail an when I was on the phone with them i told them it could take up to 2 weeks before I can give you my updated social security card because i was waiting for it to come in the mail. Now i recieved my card 3 days ago and i called them when i recieved it an they made me send them a pic of my new card with the updated info on it plus the paper from ss stating i did change my name. Now when i call to get a update they tell me i have to resend my information again ive sent them my info at least 10 plus times an they wont fix my account to where my refund can be direct deposited. An when i call now they say nothings been updated an hang up on me everytime now. Im scared i wont get my refund because they keep ignoring me an wont fix my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2018 I opened a credit card account with HSBC Bank in response to their invitation letter offering {$150.00} Welcome Bonus with a condition as to spend {$500.00} within three months.

Within less than 3 months we already spend required amount using the issued credit card. I spoke to the bank customer services and they told me that you do not have the welcome reward associated.

I think this bank is running some sort of scheme and misguided the customer.

We have been holding the checking account with this bank since more than 15 years.

Issued credit card number is XXXX  - HSBC Bank Credit Card.

We have closed this account.

If need more information we can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/19 I am still enrolled in school and Sallie Mae wants me to pay for my loan and has attempted to collect money while I am still a student

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
On XX/XX/2019 I switched phone providers and was told that I will receive the last billing statement in the mail, specifying the amount due up to XX/XX/2019 ( last day I made use of the previous provider ) However, on XX/XX/2019 I received a letter from Convergent Outsouring Inc. dated XX/XX/2019 stating I owe {$330.00} in full for XXXX phone service with no breakdown of the amount claimed. 
1 ) I made a payment over the phone with XXXX for {$110.00} on XX/XX/2019 and stopped using their service on XX/XX/2019. How can 1 week of phone use add up to {$330.00}? 
2 ) Why didn't I receive the last billing statement from XXXX as informed but did it go to Collections after only one week of closing the account?

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 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN  and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief