vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: LA

Complaint narrative:
Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Diversified Adjustment Services. This letter was delivered and signed for on XX/XX/XXXX. In  the letter, I was disputing validity of this alleged debt and requested copies of signed contracts. Diversified Adjustment services DID NOT notify the credit bureaus of my dispute within 30 days ( ***You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
received email from my Capital one XXXX on XX/XX/XXXX said I have request change mailing address, I called XXXX customer service on XX/XX/XXXX and told I have not make any request for change mail address!! and told her DO NOT change my mail address!! I was traveled between XX/XX/XXXX to XX/XX/XXXX, after I came back home and saw few emailed from XXXX on XX/XX/XXXX said Capital one said new card issue to me and XX/XX/XXXX said Capital said I have change email address!! so I called and told to customer service 1. I and not received the new card. 2. I have not request to change my email address, and customer service from Capital One said I have lots charge from XX/XX/XXXX to XX/XX/XXXX from the new card end # XXXX total amount {$390.00} ( 30 different charge ), I was asked Capital One I need put those charger for dispute, because I never received this card and never authorized charges. I think I'm victim of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive paid off all my balances with CapitalOne, but they have not submitted the information to Credit reporting agencies. Im trying to purchase a new home and this information is keeping my score lower than it should be. It upset me that I was charged interest after my balance was at XXXX. I called to have it waived, but CapitalOne refused, so I paid. Its been a month now and the information is still there ( the last balance ). If they submit the information, then my score would increase. I need CapitalOne to submit my XXXX balance information to XXXX, XXXX  and XXXX asap! Calling them will not change their procedures or help me with my problem. I found this Credit Card company is late submitting information to the Credit Reporting companies, which is a disservice to the American people. They should be investigating on this issue alone. I have 2 accounts with them ; 1 is through their parent company and another through XXXX ( which they are the parent company ). Any help you can provide would be greatly appreciated! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. 
I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
These student loan accounts have been transferred multiple times and is duplicated reporting on my credit profile. I was never late and was on an approved deferment during the time it states account was late. Accounts need to be shown as paid as agreed and never late. In addition, I believe the company purposely swayed me not to repay and declined all forbearances and more than doubled the amount owed making it almost impossible to repay. It appears as though this company used unethical practices when offering repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber Home Loans communicated on XX/XX/XXXX they will now be charging customers a {$3.00} transactional charge for any one-time payment ( reoccurring payments and mail-in are exempt ) starting XX/XX/XXXX. To be clear, this is charging someone for wishing to pay their loan on-time through " normal '' re-payment means ( online payments ). Further, it penalizes those who wish to make additional principal payments through the year. This is a anti-consumer fee, and is making one-time principle payments more difficult. 

I don't believe this is violating any existing rules, but I am submitting this complaint with the hope rules will be crafted to restrict mortgage companies from charging fees to customers who are simply trying to pay their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Took out a loan, originally with Sallie Mae who sold it to Navient in XX/XX/2014. The original note with Navient was over 26,000.00. The school was XXXX XXXX out of XXXX XXXX Colorado. The loan was to assist with achieving a XXXX XXXX XXXX. Not long after taking a few lessons from XXXX XXXX, they closed their doors and went out of business. Still responsible for this loan, which my mother co-signed for. The guidelines for removing the co signor was to allow Navient to deduct from my personal bank account the monthly payment, be on time for 12 months, and they would remove the co-signor. The loan is now paid down to just over {$6000.00}, the loan has been paid on time, for over 12 months. Filled out the paper work required to remove the co-signor, and my claim was denied. After calling to find out the details, was informed that they needed a " Certificate of Completion '' from the school, in order to remove the co-signor. This of course is impossible, but Navient will not budge. They have suggested taking out another loan to pay of this student loan, or go to a different school to get the XXXX XXXX XXXX. Both are out of the question. Spent well over an hour on the telephone with different supervisors, but they will not make an exception. 
There is no way to contact this school, another school with the same name is in the XXXX but they claim they are not affiliated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have had continuous issues with PNC over the past year on this short sale. One episode if erratic behavior and requests after another. I am being told they will not allow an extension on the approval because they only allow up to 60 days to close. Reference a past approve issued in XX/XX/XXXX. We could not proceed with closing until the approval was revised to include the payment toward the UCC lien. Which that approval was issued on XX/XX/XXXX, this was not an extension but a complete corrected new approval. I even had to RESUBMIT the complete packet and it was reviewed for a month and then reapproved to include the UCC lien and issued on XX/XX/XXXX.  We were then able to proceed with closing at that time, with that said we are only in a little over 30 days and extending to the end of XX/XX/XXXX with be under the 60 days you are referenced to. 

There isn't any reason why they shouldn't issue an extension on the approval until XX/XX/XXXX as that is within their 60 day to close policy. There is a foreclosure set for XX/XX/XXXX that It feels like PNC is jeopardizing the file to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a previous complaint though CFPB for the following reason : Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA. 

Equifax responded with : 1.a fraudulent statement through the XXXX website claiming to validated the debt. ( I filed a complaint against the alleged creditor ( XXXX XXXX ) and they were not able to produce the documents necessary to validate the alleged debt per FCRA and fair debt collection act, therefore, it is impossible for Equifax to have validated the debt. ) 2. They completely ignored the fact that they did not complete their initial investigation within 30 days as required by the fair credit reporting act. ( see first paragraph above for dates and details )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/2018 - I was informed that non-account holders can no longer deposit cash into Wells Fargo accounts per Wells Fargo 's policy

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Dear Sir, Citizens Bank Did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records and statements. Also, they printed my contact details of phone number wrongly in the response. Also, they added wrong title before my last name in the interim response of Citizens Bank. All my salaries getting deposited to my individual check-in account at Citizens Bank, which are associated to my name, social, name, address and various identification details. Still, Citizens Bank mentioning the title of last name, phone details and various details wrongly in the consumer finance bureau complaint 's response. Citizens Bank intentionally causing troubles to customers and committing fraudulent activities. Citizens Bank mentioned in the response that they would deduct money from my account if account number and routing number given to them by anybody and also there is no value and verification of Authorized checks. Whats the point in giving Authorized Checks and does not give the accurate details of checks to customer if citizens bank does not verify the checks, signatures, various authorized details. Lawfirm confirmed that they correctly deposited the checks XXXX/XXXX in the Bank and Department of Homeland security correctly deposited the checks.Citizens Bank holds the complete legal accountability and responsibility for tampering the check images and numbers in the account statements, manipulating my individual account transactions and various fraudulent activities related to my individual check-in account. Could you kindly direct citizens bank to issue the official letter with corrections of my title, phone number, check clearance records are missing in the Bank Statements, legal terms and conditions for check clearance without even verifying my signatures of my checks and various identification details. Also, I need official letter to proceed with federal officers and Department of Homeland Security. I need to contact Federal Law Enforcement with official complaint by attaching my original checks and immigration procedures and concerned documents. Could you kindly direct citizens bank to response to my complaint in 5 to 7 days. Citizens Bank holds the complete legal accountability and responsibility at Immigration Fraud department if someone claims these checks and gain any immigration benefit using my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent this company a debt validation letter asking them to validate that this account is mine with a signature of mine promising to pay this debt.. I have not received that from them so they cant validate that it was me who opened this account. I am a victim of identity theft and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Step 1 : What is this complaint about? 

Bank of America made a {$6000.00} unauthorized withdrawal taking all my funds but {$100.00} from my personal accounts to pay a business credit card debt that the bank was not servicing. 

Step 2 : What type of problem are you having? 
Could not pay regular household expense Step 3 : What happened? 
After having a business accounts hacked and replace three times, I was reluctant to transact business over the phone and going to the branch to transact payments to the business credit card and the branch would communicate that they are no longer servicing the account, which was in a payment arrangement. As a result a few months went by and to my surprise, BofA took most of my money in my checking and savings account. 


Step 4 : What company is this complaint about? 
Bank of America Step 5 : Who are the people involved?

Collections Department

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX case number FOCUS PAY ATTENTION They keep saying I GAVE WRONG INFORMATION. THAT INFORMATION THEY HAVE DOES NOT MATCH. I DO NOT LIE I DO NOT GIVE OUT FALSE INFORMATION. THEY MUST SUPPLY ME FIRST WITH WHAT EVER INFORMATION THEY CLAIM IS WRONG. I WILL NOT GIVE ANY MORE OF MY INFORMATION UNTIL I SEE WHAT THEY SAY IS WRONG INFORMATION. THEY NOW HAVE SENT i BELIEVE THE 4TH REQUEST OF MY PERSONAL INFORMATION BUT HAVE NOT SHOWN ME WHAT THEY SAY DOES NOT MATCH. 


PROVE IT WHAT IS WRONG INFORMATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

INSPIRE BELIEVE DREAM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
Hello- Checkr has reported and given incorrect arrest and court information about me to XXXX. 
I emailed Checkr to correct it yesterday, and have heard nothing. 
Checkr reported that I was involved in a felony assault on XX/XX/XXXX, and had it dismissed. None of that is true since I was not arrested or went to court. It is easy to see if you look up my name in the official XXXX County case search. 
The case number reported was XXXX. And my name is not on that either. 
https : //www.traviscountytx.gov/XXXX I got the background check and was completely surprised that such false information for a felony could be on my record. Please advise me on the next steps, so I can not have this affect any of my employers. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received letter in mail from Bank of America that one of my credit cards with them was closed. Three reasons were listed : current or past delinquency, payment was too low, sufficient utilization of available credit. Called to discuss, verified had not been past due or made below minimum required payments. So asked what I could do and was told nothing. Asked if this card was closed for this reason why my other Bank of America card was not also closed and a reason could not be provided. Have had this card since XX/XX/2005 without issues so feel this account was unfairly closed by creditor.

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