vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: AES/PHEAA
State: NY

Complaint narrative:
I received several letters from XXXX XXXX XXXX in XX/XX/XXXX regarding a student loan debt from XXXX XXXX XXXX XXXX. I contacted them on multiple occasions to find out what debt they were talking about, where the debt originated from. XXXX XXXX  XXXX could not tell me. I asked for a contact number and they would not give me one saying they had the debt now and I had to pay them. In XX/XX/XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of XXXX XXXX for. I never received a notice to appear. In XX/XX/XXXX, my mother received a court document saying he had to appear in court for this loan ( she allegedly was a co-signor ). I contacted the court because I did not receive a notice to appear. The court clerk told me they had the wrong information for me and that I was in fact being sued as well. In the court document you can see that it states : Upon information and belief, defendants requested an educational loan. That request was received by its servicing agent. The loan was approved, funds were disbursed by a lending institution, and the ownership of the note for the subject loan was transferred to plaintiff. No where in that does it say who the lender was, the original amount of the loan, no contact information, nothing. And yet the court allowed for this to be a legitimate lawsuit. I had to appear in court with my mother on XX/XX/XXXX. The judge dismissed the case with prejudice. As of today, XX/XX/XXXX on my XXXX credit report there is a report of AES/ XXXX which is XXXX XXXX. I have tried numerous times by phone and mail to get them to remove this from my credit and they will not. It states they charged off this debt. They lost in a court of law. And it has been on my credit since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I deposited {$50.00} in cash ( Sequence # XXXX ) AND again on XX/XX/XXXX at XXXX  I deposited {$11.00} in cash ( Sequence # XXXX ) at Chase Bank . However, I was charged a NSF fee {$35.00}, the following day XX/XX/XXXX According to the Chase Bank Representative, I didn't make my second deposit ( {$11.00} cash ) until after XXXX ( which isn't true ). I requested, to speak with a manager about the unfair assessed fee 's. However, I didn't get anywhere. I then requested, to speak with her manager ( leaving my contact telephone number with the manager ) but was told that the manager would just give me the " exact same '' information. As of today, I have NOT heard from the Chase 2nd manager. I am DISPUTING, the held transaction ( {$11.00} cash deposit ) held until, Tuesday-XX/XX/XXXXas " pending '' by Chase.The monies {$11.00} was deposited in cash and included in my overall " available balance '' at XXXX  onXX/XX/XXXX. However, Chase Bank withheld my cash deposit as " pending '' in order to charge me unwarranted NSF fee 's. I am disputing, Chase 's decision-making @ XXXX  today, XX/XX/XXXX Disclaimer : All information is being submitted for the " sole '' use of this FILED, CFPB complaint. No other use authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Inc
State: NY

Complaint narrative:
the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : XX/XX/XXXX: XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX: XXXX   XX/XX/XXXX : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX  afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX  to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st  as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
School is not listed in official listings. I attended XXXX XXXX College which has changed its name to XXXX XXXX  College. I graduated in 2006. This For Profit Private College first priority was to get there hands on your FAFSA, their only priority. I was sold a Dream and delivered a nightmare. I was told my degree was transferable and the college had lifelong career placement. All lies. The also exaggerated the career field. As a divorced mother raising XXXX child on my own and working as well as trying to better our lives by getting a degree, I can tell you I made plenty of sacrifices. I feel this school preyed on low income families. I have filed many complaints a and forms with NAVIENT because this truly is a FRADULENT LOAN AND NAVIENT/XXXX XXXX know this. They have done nothing to right this wrong and have steadfastly continued to harass me and have COMPLETELY RUINED MY CREDIT FOR LIFE. This loan has NEVER DEFAULTED because Ive had to plat their stupid little FORBERANCE/ DEFFERMENT GAME. I CAN NOT get a home loan because as of now I owe them 2 the amount of the ACTUAL LOAN!! I will NEVER make a payment on this loan ... .. I regret ever trying to better myself. I have a worthless DEGREE and a pile of debt I will never pay on ... NAVIENT ILLEGAL ACTIVITY at its FINEST PLEASE. I have found many other student that attended same college in same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I set up bill pay for the amount of {$80.00} for XX/XX/XXXX. My account was then frozen on XX/XX/XXXX and slated to be closed. The bank has not apologized for this and my account is still might be closed. Tried to file a complaint with BBVA Compass and was hung up on several times. I have my VA deposit to this bank account and will be homeless of they close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.

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 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX  and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.

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 2018-03-23 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.

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 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by XXXX XXXX XXXX. I was provided with the number of ( XXXX ) XXXX. I called XXXX customer support and spoke with XXXX who stated that the bill was sold to XXXX and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.

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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX reverse was done for a temporary credit for a claim I filed, when I filed the claim it was in time frame but was told when the back end department got around to the case it was out of time frame, I been calling about the dispute no one could answer then I found on my message page once I logged in Resolved I called about this and asked what was out come was told it just states resolved and this was in XXXX, however still no more information was sent to me. So XX/XX/XXXX, thy then reversed XXXX without me knowing this wasnt giving a notice that this would be done When I called theXX/XX/XXXXwas told on XX/XX/XXXX the department states it was to late for them to help me. However why I wasnt notified about this at all just notice thy reversed XXXX from my account and said I cant do anything about 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 monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, An American Express credit card is showing on my credit report as Closed / Charge-off. This account is falsely showing on all three credit bureaus.

Company response to consumer: Closed with explanation