vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our mortgage was bought out by Freedom mortgage and it has been a nightmare. I've been trying to add an auto payment option for 6 months now but it always said account was delinquent so I wasn't allowed to. Customer service is ZERO help. Finally last month it magically allowed me to add it. Problem solved right? Wrong. They now say ti was never added and that my account was delinquent. They immediately sent a negative mark to all credit reporting agencies. I paid for the mortgage the next month with the missing payment but they said it was already over 30 days late. Due on XXXX paid on XXXX   of next month. Credit has taken a major dive. I wish we had a choice to transfer out ... looking into paying the refinancing fees to get out of this awful company.

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 2018-08-14 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: Credit Plus Inc
State: CO

Complaint narrative:
this company ran three hard credit checks without my authorization : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is illegal and and was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
During the week of XX/XX/XXXX, my husband asked me to fill out a credit card application for him for an American Express Platinum business card. The app was done on line, using his name and business. However, when I received the card it was made out to me instead. This was not a preapproved form. This was from their website.

I have been trying for 2 days to fix this.

I was transferred to 10 different people.

I was told I used the wrong phone number to reach them and then they gave me the same phone number I had dialed.

I was told the name couldn't be changed for 6 months.

I had to explain the problem to each person and then I was told I had the wrong department I was asked my social security number and my husbands several times and then they would transfer me.

The last 3 people I talked to I told them I was fed up and just wanted to cancel the card, and they would just keep transferring me. I finally hung up because he was going to transfer me again.

The card had an offer of XXXX miles but that ended on XX/XX/XXXX.

And I still have to figure out how to cancel the card so I am not billed their fee., I have never had such horrible customer service except maybe from XXXX XXXX .

In completing this form it asks if someone else is involved and are they an additional card holder or is it a joint account. It is neither, it was to be a credit card in his name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on  XX/XX/2018, also certified. within these letters I informed the company they 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 " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: MS

Complaint narrative:
THIS STUDENT LOAN I HAD INTEREST RATE IS ENTIRELY TO HIGH FOR ME TO REPAY. I AM STRUGGLING TO REPAY THIS LOAN ON A LOW INCOME SALARY. SALLIE MAE AND NAVIENT LOAN INTEREST IS TO HIGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX   who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have 10 transactions that are payments made to a company called XXXX XXXX. I have ordered from this company for years. The way the company works is you make a purchase to reserve an order of bulk meat that will come a few months in the future. XXXX  is essentially cutting out the middle man grocery store and delivering from the farm or supplier. They abruptly shut down the website/company with a simple message that said they are no longer in business. I was scheduled to have 10 orders coming! I immediately filed the claim with full documentation to my bank. Documentation including charges, confirmations of orders and scheduled delivery dates that never happened. The bank gave me a temporary credit and is now denying my disputes saying it is outside of the time frame. The nature of this company is outside their time frames, I filed immediately. Literally the day it closed. I have escalated it with not much help. These were not pin pad transactions so I was hoping that would help. We can not take a loss {$940.00}!

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 2018-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a savings account with Capital One and it's called a XXXX XXXX XXXX. I have been on the phone with them multiple times in the last week ( XX/XX/XXXX to XX/XX/XXXX )  explaining I was purchasing a house and needed to move my funds around. There was first a delay in transferring funds because I had to confirm my account. I don't understand why this is necessary considering I should be allowed to send money to any account, but I was able to transfer the money today on XX/XX/XXXX. I initiated the transfer of funds and then I received a notice that my funds were withheld and unable to be transferred. I immediately contacted the number I was supposed to contact and they told me they could not help me. I was given another phone number to speak to and I have been on hold for over 40 minutes. I feel like they are withholding my money and making it as difficult as possible to transfer it to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
About a year ago I was paying off old debts and Pressler and Pressler had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report.

2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by Pressler & Pressler for XXXX XXXX XXXXl. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX  for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase-JP Morgan Freedom credit card. Since XX/XX/XXXX there has been a XXXX balance on my card. On XX/XX/XXXX Chase withdrew {$620.00} from my local bank checking account and assigned payment to my Chase credit card - again it had a XXXX balance. I spotted their larcenous action and visited my local bank to stop payment. My local bank did not issue the payment to Chase. I also called Chase to explain what happen. After many conversations and departments, I was told that Chase had an internal problem and " it was wide-spread and they are working on the problem ''. I asked if anybody was going to contact me or if a particular person was assigned to speak with consumers that have this issue. I was told " No ''. They did research my account when I was speaking to them and discovered that the {$620.00} was an exact payment that I made in XX/XX/XXXX to pay my credit card balance. I paid the XX/XX/XXXX payment with a physical check that I mailed to them. How was Chase able to access my banking information in XX/XX/XXXX from a physical check that I mailed in XX/XX/XXXX? I believe that they violated a breach with my banking data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: KY

Complaint narrative:
PennCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PennCredit sent a demand for payment dated XX/XX/XXXX in the amount of {$290.00} from XXXX XXXX XXXX. I have a Final bill from XXXX XXXX in the amount of {$79.00} dated XX/XX/XXXX. This has went through several companies and each one has dropped it because of lack of proof. In XXXX XXXX XXXX admitted a glitch in their billing system and couldn't find what the extra on the bill was for, but has continued trying to collect an amount way over actual amount owed. PennCredit decided to turn it in to all three credit reporting agencies without proof of debt. Responded with a dispute letter but said they never received it and was possibly due to a recent address change. Turned the unproven debt into all 3 reporting credit bureaus before I could answer their demand. Brought my credit score down 50 points seriously damaging my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX   SEVERAL TIME 'S AND EXPRESSED THAT I WAS A VICTIM OF ID THEFT AND I HAD FOLLOWED ALL THE GUIDE LINES SET FORWARD BY THE FCRA 623A, BUT MY VOICE AND LETTERS RING HOLLOW.THIS COMPANY IS VIOLATING ALL MY RIGHTS CONSUMER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank- Again.

Payments that posted as pending on XX/XX/XXXX, showed a deduction in my balance on Citizens app. Then they were again deducted after three days. I telephoned my bank and the representative agreed with me. There are several mathmatecal errors showing my ( now lack ) of funds. I've caught Citizens using magic math in the past. Now, it's becoming an epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We noticed that there was a charge of {$520.00} on our Bank of America credit card that we knew wasn't ours. We found out that it was from a company called XXXX XXXX XXXXXXXX that we never heard of. We later learned it is part of XXXX XXXX XXXX   XXXX. We also had a notice to pick up a package from the post office and learned it was from XXXX XXXX XXXXXXXX. 
We contacted Bank of America and also disputed the charge on our online account. The merchandise was purchased on XX/XX/2018. We spoke with someone in the fraud department and explained that we never ordered this and someone obviously stole our credit card number and info and used it at this place. She said they would check into it and credit our account and to reject the package. 

We went to the post office on XX/XX/2018 after having to wait over the weekend, and told the clerk we reject it and to send it back because we did not order it. The bank credited our account XX/XX/XXXX but reopened the case. We got a letter on XX/XX/XXXX stating we were responsible for the charge because our address was included and verified with the purchase! That's a lame excuse since any crook can find your address and info on the internet! So the charge is still on our account for something a crook bought and Bank of America wants us to pay for it! 

So we also called XXXX XXXX XXXX which as I said is also known as XXXX XXXX XXXX XXXX We spoke with " XXXX '' and after explaining this he said he would call us back after talking with his supervisor. He checked for the returned package and confirmed it was received by his company. This was XX/XX/2018. He called us back that evening but we weren't home so he left us a message on the voicemail that his supervisor said they would issue a refund by the end of the day. That didn't happen! We called them this morning, Tuesday, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. She said customer service would have to issue the refund and we had to talk to them. When she came on the phone, she said the refund would take 14 days from the previous Friday! Meanwhile we called Bank of America and they said they would reopen the case and it would take up to 60 days!!!

We are being jerked around by Bank of America and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. We are the victims and they are protecting the crooks!

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 2018-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Immediate Credit Recovery
State: NC

Complaint narrative:
Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
About a year ago I was paying off old debts and XXXX XXXX XXXX had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report. 
2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by XXXX XXXX XXXX for New Century Financial. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.

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 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a payment of {$50.00} on the XX/XX/2018 in the afternoon.They didn't credit my account until the next day causing my payment to be late. I was charged a past due fee of {$25.00} on XX/XX/2018 which is my due date. I called XXXX XXXX XXXX  Quicksilver and they would not credit my account.

Company response to consumer: Closed with monetary relief