vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: NV

Complaint narrative:
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a XXXX  Unsecured Credit Card and they have sold the account to XXXX XXXX and that XXXX XXXX has since sold the account to XXXX. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX  Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am on the Public Service Loan Forgiveness ( PSLF ) program. I started working at a XXXX XXXX 15 years ago and received certification stating my employment qualified. Ive made over three years of on-time payments under Income-Based Repayment ( IBR ) plan so far which were more but I was not informed that my loan needed to be transferred to XXXX  until 4 years ago. I have submitted Employment Certification Form ( ECF ) in XX/XX/2018. Their acknowledgement letter stated that my employment qualified. However, my statements have stated 4 payments made go toward PSLF. I have called XXXX several times but they stated it would be updated which never was and we are approaching a year later with no correction. Also, I was not aware of the difference of loans from FFELP which I originally had vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received 10 years ago stated that the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as Stafford and Plus on loan description which led me to believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear 10 years ago when I actually looked into PSFL which put me back 5 years. While I believe important letters like this should have been delivered in writing 10 years ago. I understand there are thousands of others in my same situation by reviewing complaints and the news. I also read about class action lawsuit. So I decided to look out for help as well. XXXX XXXX should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was would qualify. I would like see if anyone can help me to correct the issue. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: AZ

Complaint narrative:
In XX/XX/2018, I applied for the Capital One Quicksilver credit card that included a 0 % introductory APR for all purchases in the first 15 months of opening the account offer. Shortly thereafter, I received a Capital One Quicksilver credit card in the mail. Upon receiving my second billing statement in XX/XX/XXXX, I noticed I was charged interest for my purchases. When contacting customer services at Capital One, I was advised that eventhough I applied for the credit card that included the 0 % introductory APR offer, I was actually approved for a different Capital One Quicksilver credit card that did not include the 0 % introductory APR offer. 
I was never clearly advised that I was not receiving the credit card that I actually applied for, and since the credit card that I received had the identical name of " Capital One Quicksilver '', I was unaware that interest would be charged on my purchases. I feel this was false advertising and deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, EXP and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

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 2019-01-11 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: CA

Complaint narrative:
This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, XXXX  and TU are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

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 2019-01-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is being submitted in light of XXXX XXXX response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus EQ, XXXX  and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened.

Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting the inaccurate day of last payment on my credit report. I dispute last day of payment on my credit report. I feel like XXXX  XXXX XXXX is trying to take advantage of me because I am a XXXX male. I am requesting this account be deleted off my credit report.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was purchasing impact windows from XXXX and was going to put the balance on my Visa but the salesperson told me I could get a XXXX credit card which would be better. I applied for the card and was told I could have the payment taken out auto withdrawal. I thought this was better because I would never be late with a payment. A few times I even made an additional payment to try and pay off the balance sooner. I was not told that I had to pay this in a certain amount of time. I thought I was paying my bill monthly and on time. I noticed that the payment increased and just thought that after a certain time frame the payment increased but still continued. I did not question it because I thought it was like my other credit cards and just continued the auto withdrawal. I work nights and go to school so I didn't think to investigate the increase. Tonight I looked at the statement and wondered why the total was so high. After looking at the previous statements I noticed in XX/XX/XXXX they charged me over {$5000.00}. I called the customer care who said it was too late. I explained the situation to the manager " XXXX '' who said they couldn't do anything. I'm still dealing with my damaged windows ( not one complaint ), and they want to rob me of an additional {$5000.00}? I'm absolutely horrified! I will never be able to pay this off. It's ridiculous. I should owe around {$7000.00}. I'm upset and afraid this will lower my credit rating. I thought I was paying my bill like I should. I wish I never listened to the salesperson who said this was a better deal. The credit card is from Synchrony Bank. Now after investigating, I see that this is what they do. They are loan sharks. XXXX was scripted and incapable of any emotion or compassion.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I applied for an advance in my employment. When i received the information, my name appeared with a name I have never used. And the use of my name was incomplete on this portion of the report. I have a good idea who is behind this problem. I would like for this information to be considered for fraud. Please contact me for more information at XXXX. 
Just want this expunged so I can proceed with my life, and advance in my current employment. The report was run on XX/XX/2018 Thank you for your time in this matter 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 non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Name of our company : XXXX. 
Bank of America Merchant services Merchant ID : XXXX. 
We opened a Merchant account with Bank of America and now we are no longer in business. 
We called to close the account and they told us that we need to pay {$500.00}. 
They falsely told us that we have a contract ( we don't, we never signed one ) and we can't close our Merchant services account before 3 years. 
We never signed such contract and they are trying to bully us into paying this outrageous fee just for 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 monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
Hello, I have received my first notice about the debt collection. I responded to the letter by making a {$300.00} payment immediately. I followed with another payment of {$200.00}. Then another payment of {$200.00}. I was left with a {$500.00} balance out of {$1100.00}. When I received a notice for it, I immediately paid {$250.00} over the website. And for the remaining balance, I called the collection agency to pay over the phone. I was never notified may account was reported and when I found out I requested my report to be removed and deleted from my credit report because it damaged my credit tremendously by a negative of 100 FICO score. I was told they do not report to the credit bureaus, it is on a regular schedule. I asked do you guys report start or end of the month? I was not given a definite answer. After payment my balance I did not feel reassured my collections account would be deleted on my credit report. Now here I am with a paid off balance. The collection account was reported on XX/XX/XXXX, instead of XX/XX/XXXX when it was originatelly dated. I want this account removed from my credit report. If they are unsuccessful, I will dispute a fraud chargeback with my bank account immediately, which was used to pay for the 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 non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had signed up for a trial of XXXX XXXX Premium service on XX/XX/2018. I had cancelled the Premium service on XX/XX/2018, before I was to start being charged, but the cancellation apparently didn't go through, because I was billed for the service from XX/XX/XXXX through XX/XX/XXXX for {$29.00} a month. I became aware of the charges, that I did not authorize, nor would have authorized on XX/XX/XXXX, and went back to XXXX to check on the matter, and saw that my XX/XX/XXXX cancellation didn't go through, so I pressed to cancel again. I never got a cancellation conformation email for either XX/XX/XXXX nor XX/XX/XXXX. 

I called XXXX on the matter, but the only item on the menu for the phone number I had for them was the address to their campus, so I called Bank of America Money Network on XX/XX/XXXX to dispute the charges. I gave them the information I had, filled out the dispute forms they sent me, then faxed them back. I just got a letter back from Money Network that they were denying my claim.

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 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying off these student loans for over 10 years now. I am at the point where I want to pay off my student loans very aggressively and be done with them within a year or 2. However, Navient does not allow you to pay more than the minimal payment they suggest for you as a monthly payment. You have to " apply for '' and choose one of their payment plans that are all very low and minimal payments. If you want to pay off more than those minimal amounts you have to manually log in every time and specify exactly the overpayment you want to make. I want to be able to pay off a large sum as an automatic monthly payment without having to log in every month, but they make this impossible. I easily do this with the 2 other loan companies I use with no issues. You should be able to choose exactly the amount you want to pay off as a monthly auto payment. I have gone through every link on their site trying to figure out how to increase my monthly payments with no luck. I feel that they are purposefully and actively trying to discourage me from paying more than the minimum payment each month.

When I try to contact them about this issue, there is a roadblock there as well. There is an endless loop of broken links that never takes you to a place where you can email or message them. I click on " Contact us '' and it takes you to page where you can click to 'email them ', and that takes you to the log-in page, even if you are already logged in. And when you log-in again, then you have to go through the same steps again, never getting anywhere to contact them online. Finally I give up every time because I get so frustrated. I think this is their plan. This problem has been going on for a long time. They do not respect their customers, and I believe they purposefully try to make you owe them more money by accruing more interest over a longer than necessary time period.

I don't have much in terms of documents to attach for evidence because these are things I can not do, so it's hard to document them. So I will attach some screen shots of the place I got stuck trying to contact them.

Company response to consumer: Closed with explanation