vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was a customer of Bank of America. I closed this account in 2012. I went into the Branch in XXXX XXXX XXXX  and closed my acct. a bill was coming through and I couldnt stop it so I left {$50.00} in the acct and the Bank Representative would final the close Monday. I signed everything. 
Well I also moved to XXXX. 
I dont have the acct number now because I haven't used this acct since 2012. 
So time went on and years went on and I opened another acct with another bank. No problems. 
I went to use a bank check from the new bank and the store said I had issues with a diff acct. I was suprised. I never wrote a bad check. 
I then after years got a email saying my statement was ready ... This was probably 3 years later. They said I owed almost {$700.00} because of maintenance fees and maybe overdraft fees I dont know. I never over drafted. A BoA rep also thought it was strange they kept charging me fees for years on a inactive account which to my knowledge was closed. 
I do not feel responsible for these fees and now they tell me they cant close the acct. 
I actually had {$50.00} positive balance. The bill never went through even though it was pending. 
They never sent me anything that they were gon na start maintenance fees and I never thought the acct was still open. 

Now Ive called many times and spoke to a few different people and they said they would look into it and help and get back to me and I never hear from them. The emails stopped so I thought maybe they fixed it ... I just got a new email my acct is ready to view ... I called and I get the run around. I go from one dept to another ... No help. 

I told them I dont even care to get the {$50.00} back but I dont owe these maitenence fees on a inactive supposedly closed acct. Not my fault..Bank Error I cant afford this. This isnt fair. No one will help or fix this. Its been years and It has embarrassed me with writing checks I have called many times over the last few years and they said they would get back to me and never do. 
Please help me resolve this. 
They can not keep charging someone maintenance fees on a inactive/closed acct. And then they didnt stop charging the fees after 90 or 180 days they kept charging for years. 

I do not feel I owe any of these fees. 
Please help. 
Bank of America is no help and wont remove the fees.

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 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques
State: CA

Complaint narrative:
HUNT AND HENRIQUES HAS FURNISHED 2 LIENS ON MY PROPERTY FOR THE DEBT THAT WAS DISCHARGED IN BK AND NOW REFUSING TO REMOVE IT OR TO ISSUE LIEN RELEASE CONFIRMATION ... I ATTEMPTED TO CONTACT THEM SEVERAL TIMES BUT ALL MY EFFORTS WERE IGNORED BY HUNT AND HENRIQUES AND BY DEPARTMENT STORES XXXX XXXX PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
to whom it may concern : last year at this time my mortgage company Freedom mortage increase my mortgage about 800.00 a month with no explanation!! I submitted thru your organization last year a complaint. freedom mortgage didn't really give a viable explanation as to why they increased it but they did lower it back to what it was. NOW!! a year later they are doing it again! telling me I owe them roughly 700.00 additional payment per, and when I call them they initially agree that something is wrong, but as usual they say pay it!, so I called my city tax office they said my taxes are payed in full. I told Freedom mortgage again that my taxes are about XXXX a year. they said I have to pay an additional amount of roughly 4500, I ask him to email me those documents that say I owe roughly 9000 a year in taxes, he said he would, but am still waiting. my case file number : XXXX XXXX XXXX XXXX XXXX asst vice pres customer service wrote my last responce

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 2018-07-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was looking to apply for an everyday rewards credit card and I went online to www.americanexpress.com ( XX/XX/2018 ) and clicked on " cards ''. There were different options for cards and the BLUE CASH EVERYDAY card seemed to fit my needs and what I was looking for. The welcome offer stated " 0 % APR for the first 12 months '', {$200.00} back as statement credit after spending {$1000.00} using Amex card the first 3 months of card membership. I then clicked " apply now '' and upon submitting my information I was instantly approved. I DID NOT leave the page and returned at a later time. At the bottom of the welcome offer I clicked " apply now ''. 

After receiving my card, I made a big purchase and I called american express to ask general questions on rewards and such. I was told that I did not receive the welcome offer 0 % APR. I asked to speak with a manager, and I was told they would investigate this and I would get a notification with the outcome of the investigation. I was notified a few days later that I was not eligible for the welcome offer with no explanation. I called back to speak with a manager and apparently a manager was not available and the representative took my phone number and told me I would receive a call from a supervisor/manager. No one ever called me. I am extremely disappointed because I was looking to build my credit, however, due to the misleading and FALSE information/advertising on the American Express website I am now receiving outstanding interest rates. I would of never applied for this card if it wasn't for the welcome offer. It is unfortunate that no one at American Express helped me by honoring the welcome offer and fixing the situation as I truly believe this is something that could of been rectified to keep customers happy. Each and every representative I spoke to did not try to help me and seemed to rush me off the phone. 

If they honored the welcome offer I would of been a loyal customer for life, paid off my balance in full and continued to use my card and eventually upgrade. I want American Express to do the right thing by applying the welcome offer to my account 0 % APR and apply the {$200.00} statement credit on the XXXX month since I spent over {$1000.00} during the first 3 months of my card membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed that Capital One is reporting a late payment on my credit report for XX/XX/XXXX - one a specifically remember having to pay online. I have been attempting to resolve this with them due to the fact that I believe an issue with their online system incorrectly processed my payment and thus left me to believe I had correctly processed a payment when in fact it did not. I have been a customer since XX/XX/XXXXand never had this issue occur. Now that this late payment is significantly impairing my credit score they refuse to assist me in clearing up this error. I really don't feel I should be penalized for this late payment since it was not my fault, but Capital One 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In the final months with Wells Fargo bank after speaking with several bank employees and managers overdraft protection kept charging my account {$35.00} for EVERY transaction whether it was {$1.00} or more. I asked for this feature to be removed several times to no avail. Also, the account kept allowing transactions after the bank was notified. No one tried to help me stop the cascade of fees and I returned my cards to the bank and closed my accounts. I still receive mail correspondence about fees that accumulated after I closed the account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover continues to report a debt on my credit report that I did not initiate. I have already submitted a FTC fraud affidavit and police report, but they refuse to take this off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I wrote on at least two occasions disputing the validity of two accounts. The first disputed account does not belong to me and I have been disputing this account for seven years, according to my credit report which states that an account was opened on XX/XX/XXXX and was closed with a balance of $ XXXX I forwarded a copy of my SS Card and my drivers lic accompanied with a letter disputing my credit report. I was seeking a security clearance with the federal government, due to reckless reporting practices, I was denied employment and I'm contemplating legal action against the credit agency. I would appreciate any and all help to rectify the situation as soon as possible. 

I took the same actions with letters and Identifying information forwarded to the reporting agency, I was told that an investigation had been conducted, I then forwarded a certified letter to the agency asking what methods were used to verify the misinformation, needless to say I didn't receive a response. The amount of the stated debt is {$1800.00} and opened on XX/XX/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 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My student loans are now with Navient. They will not offer me any different repayment options other than the standard repayment. I also do not have any options for deferment or refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
XXXX XXXX is making me payback my loans of {$85000.00} at {$1200.00} a month. This is roughtly 41 % of my gross pay every month. After taxes my yearly income is about $ 36-37,000. I am unable to pay 41 % of my paycheck each month for just student loans. This is literally killing me especially with other expenses to worry about.I called the company and they said they couldnt do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: URS Holding, LLC
State: TN

Complaint narrative:
I am showing an open balance of {$4500.00} on my chase credit card number XXXX. This account was sent to collections to XXXX XXXX XXXX where we had a signed contract to resolve my balance for XXXX. I made 9 payments to them for {$230.00} and one for {$350.00} which is equal to {$2200.00} leaving only one payment of {$350.00} to fulfill my contract I signed with them. The last payment of {$350.00} was made on XX/XX/2016 and shortly after that they changed their name to Alltran and renege on my signed contract and after getting to talk to even the managers they wouldnt accept the final payment of {$350.00} and said I owed the whole {$4500.00} amount. We got into quite a heated argument over them not accepting the contract they agreed to and I have never heard from them again on this matter. Still the {$4500.00} is on my credit report saying it is still what I owe. I hired XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX with XXXX XXXX as my advisor to settle this debt for me with XXXX XXXX XXXX and I have included in this my statement from XXXX XXXX XXXX who XXXX XXXX XXXX uses to pay the money to the debt collectors or banks my 9 payments made by them for {$1800.00}. I also have included the payment I made myself after I ended my contract with XXXX XXXX XXXX where I paid {$350.00} straight out of my bank account equaling {$2200.00} with only {$350.00} being owed to settle my debt. I have been unable to obtain my signed contract from either Alltran or XXXX to prove this is what was agreed upon but I hope you can and be able to settle this matter for the {$350.00} I owe still. Thank you for any help you can give me in this matter and I hope you can finally settle this. 

I sent this to XXXX over 30 days ago and under the fair credit reporting act they were suppose to look into and I never heard back from them. After 30 days this is suppose to come off my credit report if they do nothing and that's what I'm trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: WI

Complaint narrative:
I have reached out to XXXX XXXX on multiple occasions asking them to provide me with verifiable proof that the debts they are seeking to collect on are mine, and that they reserve the right to collect on such debts. After receiving a Ietter from them dated XX/XX/18, I have sent them letters requesting verification ( XX/XX/18, XX/XX/18, XX/XX/18 ), in which they responded on XX/XX/18 saying that they were currently investigating the matter. And, after three months of correspondence, they have failed to provide me with a copy of any original document bearing my signature, as well as any agreement between them and an original creditor stating that they have been granted the authority to collect on such alleged debt.

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 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently learned capital one credit cards do not release my spending information to 3rd party apps through plaid when requested. This started around XX/XX/XXXX. This is something that should be my right to do with as I please! I use the app drop to earn points from spending and they just notified me of this. Many others have reached out to capital one and you about this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Called multiple times. Last call was XX/XX/2018 at XXXX. After calling the robot call back, I talked with agent and found out it was for someone who previously owned phone number. I informed them this is the wrong household and to remove from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
The bank I am filing a complaint about is XXXX XXXX. On XX/XX/2018 I initiated an ACH transfer out of my XXXX XXXX savings account to a previously linked external account that was verified by 2 ACH micro deposits. XXXX 's fraud department contacted me to verify the transfer which I did, but they said they don't " like making transfers out of the bank since they want to hold onto the deposits. '' The funds were available and within their published dollar amount limits so they made the transfer. However, they threatened not making another transfer in the future. 

Today, XX/XX/2018 I initiated another transfer out of my XXXX savings account to another VERIFIED external account but the transfer was rejected. This external account was VERIFIED by ACH test deposits and the transfer was within XXXX 's published dollar limits. 

XXXX is not allowing me to move funds out of my account with them. The funds are listed as available to me and again, the amount of the transfer was within XXXX 's published limits. 

I want XXXX XXXX to allow me to access my funds when I want based on THEIR published rules.

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 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: CA

Complaint narrative:
Supposedly I owed {$2.00}. But the company is trying to collect {$150.00}.

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 2018-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Mid Atlantic Finance Company is claiming I owe {$1900.00} on a XXXX XXXX XXXX and are offering a settlement for an XXXX year old debt that does not belong to. Account XXXX and no proof of debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Northwood Asset Management Group
State: CA

Complaint narrative:
MS. XXXX said, i owe XXXX with XXXX XXXX XXXX but I already settled the amount with XXXX XXXX  XXXX. The amount i owed is XXXX.

Company response to consumer: Closed with explanation