vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS

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 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I do aplication to Credit card Store with and they take almost 10 minute and then to deni

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MB FINANCIAL, INC.
State: FL

Complaint narrative:
( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The collection agency is not licensed in my state and I am requesting it to be deleted from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The dealership finace officeXXXX XXXX misrepresented information on the APR rate in closing our vehicle purchase on XXXX/XXXX/XXXX. When presented with our Bank of America online pre-approved apr of 2.24 %, XXXX insisted that our auto loan and purchase contract can only be written at 3.97 % from the same Bank of America at the time of our closing but the rate will be adjusted once he worked through the application with Bank of America XXXX department. When asked, he told us no further actions needed on our side. Everything will be taken care of. When we got the bank approved letter with XXXX APR, we made it available immediately to dealership on XXXX and again on XXXX. The dealership did not make any indication that they are not going to process the pre-approval letter. When the loan is established in our Bank of America account, we see the APR did not get adjusted as we were informed. We contacted dealership couple times, no response. I got suspicious and contacted BoA on XXXX again as i did not get a response from my call and email to my Bank of America loan officer. I was told by another Bank of America agent that the loan was processed at the dealer without the preapproved apr rate. I finally got dealerships response on XXXX/XXXX/XXXX. We were told the rate canot be changed and we would need to refinance. I sent an email as an official writen request to ask about their fraudulent practices on the same day, they immediately called and tried to resolve the issue but no real offer.

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 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Machol & Johannes, LLC
State: UT

Complaint narrative:
I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I did not live at the address or even the city of the house that they attempted to serve me at. In fact, there were squatters in the house. American Express sued me, and I did not know about it, and they got a judgment. However, I had filed bankruptcy in XXXX, XXXX in XXXX and American Express is listed. American Express put a lien on me/my property. 

There are two things seriously wrong with this. 
Above all, since this account was included in Chapter 7 Bankruptcy discharge, this is not legal. They have to remove the lien and wite it off. I am writing to you to enforce this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
The situation is detailed below. 

On XXXX XXXX, I bought 2 XXXX for {$640.00}. This money was charged to my bank account XXXX XXXX Bank XXXX on XXXX XXXX and XXXX XXXX. I started a conversation with XXXX XXXX XXXX XXXX on XXXX XXXX, with her first responding on XXXX XXXX. After not getting resolution to the situation, I filed a chargeback for the double charge through XXXX on XXXX XXXX. I immediately received a credit on my account for the amount that was double charged. 

On XXXX XXXX, my Coinbase account was locked from buying/selling/transferring and a message was placed on the homepage that I needed to make a payment to unlock my account to repay the {$640.00} chargeback. 

Due to the fact that I have significant assets in Coinbase, I attempted to unlock my account with a credit card payment on XXXX XXXX, only to be able to access my account while the situation was further looked into. I was unaware that the chargeback would lock my account and I needed access to be able to buy/sell/trade my account. 

Unfortunately the credit card payment was denied by the bank, and therefore my account was not opened. 

Now, on the front page of Coinbase it says that I owe an amount of {$0.00}, and that until I pay that amount I will not be able to buy/sell/trade. Currently, no payment options will go through to open my account. Therefore my account is locked until this chargeback which was completely legitimate is 'paid back '. 

I have provided XXXX with the screenshots of the double charge through XXXX, which is the only documentation that has been asked for so far, and I will attach them here. 

I have also provided here a search from my purchases on each of my accounts showing that only XXXX purchase was made of {$640.00} and this was for 2XXXX on XXXX XXXX. 

Thank you for understanding my concern regarding this matter and your urgent attention to opening my account which is in good standing. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?

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