vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I did not apply for this credit card pls provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: DISCOVER BANK
State: FL

Complaint narrative:
As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have applied for 2  Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I am disputing the reporting debt on my Credit Report. This bill was paid in full and equipment returned to XXXX XXXX all before my ( 15 day cycle ) was complete. I should have received a refund due to me ending my service earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest 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 monetary relief
Consumer complaint received 2018-04-03 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: DISCOVER BANK
State: FL

Complaint narrative:
Spoke to representative XXXX on XX/XX/XXXX regarding my Discover Miles card. Was told the card was scheduled for closure. I've been with Discover since XX/XX/XXXX, never missed a payment. I recently replaced my card and was told that was the reason for the closure. This is an absolute lie. The only reason is because Discover does NOT want to pay out on the rewards I've accumulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been working on this as well as my attorney. I had filed the complaint against BOA with your company and they responded with a letter along with Bank statements from a personal checking account. The problem again occurred when I had credit card with BOA for several years and was making payments normally around {$230.00} a month. XX/XX/2012 I had sent 2 checks which they stated they never received. I had a business checking account that I noticed 10 payments of {$650.00} being withdrawn from my account for 10 months for some type of life insurance policy which I never authorized automatic withdraws. When I filed my last complaint they again sent me copies of my personal account and said there were no such withdraws. They did not investigate my previous business checking account that would have shown the transactions in question. I wanted them to refund the draft that were {$6500.00} total or put it toward the credit card that they indicated they did not receive the two checks on.

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2018 I received a mobile call from a company called XXXX XXXX XXXX XXXX, of whom shared via recorded line that because of my on time payments, but high interest has not been reduced, they are calling to help me reduce my credit cards to little as 6.9 to 7.4 %. I thought it sounds great. XXXX XXXX XXXX ask of debt amount total on all cards, ask for my bank info to make them payments of {$790.00} broken up in 4 payments of {$150.00} each. XXXX XXXX XXXX XXXX said that Capital One will lower my interest to 7.4 % but you have to say you are in distress. I said will I am not I am buying a home and if this will cause a credit pull I can't go through with it or it can deny my loan. I was told that it is fine. So XXXX XXXX XXXX  called Capital One ( XXXX  ) XXXX and XXXX XXXX XXXX  told me what to say and told me what Capital One would say. So I did not really being clear of what is going on. Capital One did exactly what XXXX XXXX XXXX XXXX said. I hung the phone up called my load officer told them what happened and they advised me not to do that or will deny my loan because that means that I am in distress and can't pay bills. Now I have never missed a payment accept for a day late for forgetting the due date. I told ask capital one if they can cancel that agreement of which I never signed for. Everything was verbal with capital one except email with XXXX XXXX XXXX. I told Capital One I am not in distress I am just making minimum payments at this time for a while because I am saving for my closing afterwards I will pay them off. Capital One denied my request the same day made after I called and spoke with up to 4 managers begging them to cancel that and I was willing to continue what I had. Capital One says to me well it looks like you are in distress because of low funds in account and minimum payments made. I begged them that I did not fulling understand what I was agreeing to I apologize, please allow me to continue my relationship. I do not want to lose my marriage over this nor the home that is in the process of being built for my family. Please, please, please..in tears ... They said I am sorry, but told me that I can not cancel it and I can continue to make my payments on time until it paid in full without interest for 60 months then the account will close and I can not reapply. I said I am begging you to cancel that agreement. They would not. I am reaching out for some help and consideration for my mistake, I want to keep my account with capital one. Or at least not mark my account as denied for distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IN

Complaint narrative:
I received my tax refund on a American express Card.thuough XXXX XXXX.On XX/XX/2018 the day I was suppose to leave for my vacation.I swiped my card to purchase a rental car.The Merchant declined my card.So I checked my balance to find out there wasn't any transaction but the card holder took XXXX off of my card for a transaction that didn't even take place I called over a dozen times including a conference call with the merchant and the card holder American express to get a understanding to why was it even taken off. if there wasn't a purchase.American express says there's nothing the can do.but wait 30 days for them to deposit it back to my account.where is the cusumer right in this I did not authorize American express to take anything.My vacation to XXXX  was ruined.this can't be justifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed 2 student loan account with XXXX XXXX  about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile onXX/XX/XXXX. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my XXXX has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both Transunion and XXXX   ONLY. The account numbers are loan # 1 XXXX Account # 2 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 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: AL

Complaint narrative:
I was informed that this company meant for Student Loan Forgiveness and that I wouldnt have to pay XXXX anymore just them. I was only paying {$49.00} a month to them for over a year. Was informed I would be paying for 127 months in order for Loan Forgiveness to fully clear my debt. By near end of last year, XXXX contacted me and told me I could start paying them back {$58.00}. I contacted Equitable Acceptance and they couldnt give me a straight answer on what was going on and gave me a number to call. I didnt call the number because something felt very off. Instead I called XXXX, and when I explained the situation to them they stated that I had been scammed, that I should have been paying through them. Since they stated that, I stopped paying them and continued paying XXXX  since they were a legit organization and I didnt see any reason why I should pay a legit company and a company who wasnt truly providing me real service just piling on my interest which wasnt what I thought they were doing originally. Just recently I had been informed by email that my case would be sent to Collections since I wont pay them anymore. I saved all 3 emails for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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:
Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

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 2018-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
on XX/XX/XXXX While checking my bank account I noticed that there was a hold on my account in the amount of {$930.00}. I called XXXX XXXX XXXX  to inquire about this hold and was told it was a bank levy/garnishment on my account in the amount of {$800.00}. The bank did not give me the debt company name but gave me the name of the Court officer who file and a contact number along with a docket #. I called the number numerous times on XX/XX/XXXX with no luck. Later that day I decided to search public records and docket number and was able to file the docket number given to me by looking up my name. Under the docked number I saw that the case was disposed in XX/XX/XXXX. It listed the collection agency ( XXXX XXXX ) who purchased the debt from the original creditor. This is not my current address & the addressed listed on the debt was an addressed from 14 years ago. No other attempts have been made to contact me, no letters, phone calls, no judgement letters, no notification that was sent about court dates etc ... I have no recollection of this debt, who is the original creditor. There is a statute of limitation on collecting a debt of this age. There is also a law exempting a bank levy of federal funds!. I receive Social Security for my daughter who is a minor and they just took that money from my bank account. No one can give me no information regarding this debt. The bank told me to call the court officer, but I have had no luck. Where is the proof of the debt that is over 14 years old and never listed on my credit report and no other attempts have ever been made to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits.

Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.

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 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?

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 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: ID

Complaint narrative:
I have called Sallie Mae a number of times to help work with me on payments I can afford. I sent them payments, but they don't cover the minimum payment they want. Now, they tell me I don't have online access to my account because my online priviledges were revoked. They won't let me see any of my information that is connected to it. Even if they won't accept a payment less than the minimum, I should still be able to see information about my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation