vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I received an offer in the mail from HSBC  XXXX   XXXX  for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used  XXXX  of the checks to pay another credit card in  XXXX . On  XXXX   XXXX , transfer was processed by HSBC, transaction reversed on  XXXX   XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in  XXXX   XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until  XXXX   XXXX . After repeated calls in  XXXX ,  XXXX  and  XXXX  they were unable to extend to honor the 12 month offer.   The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified C onsultant In. Is trying to collect on a debt that was already disputed and deleted from all  XXXX  bureaus..   Diversified is trying to do fraud actions and I will make sure I go to BBB if this does not get resolved.   How can you get information on me without my knowledge and try to make a collection on a debt that was disputed and deleted of my account in  XXXX ?   I Diversified consultant does NOT have and VALIDATION WITH MY SIGNATURE asking about a collection that was DISPUTED..   What Diversified consultant is trying to do is fraud.   Diversified bought this Already disputed and deleted account from another collection agency.   I will take further actions ...   I will sue and report this company to the Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX account showing in collection in XX/XX/XXXX, when the account was paid in full XXXX with a {$0.00} balance, nothing should have been reported since it was closed that month, this is false information, XXXX XXXX say they did n't report anything since XXXX and Experian will not remove this false information

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.

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 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: GREAT LAKES
State: NJ

Complaint narrative:
I have tried working out payments with the loan servicing company. However, due to job losses I fell behind few payments & could n't keep up. This year after I filed my tax return, I was shocked to find out that IRS has applied the entire refund amount ( {$2000.00} ) to a past obligation. When I contacted IRS  ' Bure   au of Fiscal Services  (  BFS ) to find out the reason, they gave me the phone number for the loan servicing company to contact.   This is definitely not fair, as I 've worked with them to make payments. As a private, for-profit company, they should not have the right to withdraw money owed to me by a federal government agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Below are dates of credit inquiries that I wish to have removed from my credit report TransUnion. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry  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 explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan C. Frank & Associates, LLC
State: TN

Complaint narrative:
JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Below are dates of credit inquiries that I wish to have removed from my credit report  XXXX . I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  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 explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I took out a loan back in    XX/XX/XXXX    with  XXXX   XXXX  to attend classes for my  XXXX   XXXX  at  XXXX .  In  XX/XX/XXXX  I  had a baby and gained a Military fiance ' so needed to put school off due to not able to juggle, baby, working full time and Military man. I called in to  XXXX   XXXX  around   XX/XX/XXXX  to figure out what to do with my loans. I was told I need to pay ov er 1,000 a  month on my loans until paid in full. I advised  XXXX   XXXX  there is no way I can afford this being a single mother with   XXXX   kids. The only option they had for me was to put my loans in forbearance until I could afford the payments. Well my loans pretty much sat there until I had no forbearance left as I never have been able to affo rd over 1000 a mo nth. I received a phone call from Navient who took over my loans from  XXXX   XXXX  stating I was past due. My forbearance had run out. I found out about a lawsuit at this time that allows you to go on a monthly payment based on your pay, the income driven repayment plan. After a lot of headaches and back and forth with Navient, I finally got my payments down to  XXXX  a month. In   XX/XX/XXXX , my year was up and needed to resubmit my proof of income. Since once child turn ed  XXXX  and my pay went up a tad, I now am being told I have to pay  XXXX  a month. I asked if there was anything else I can do because I want to pay, just ca n't afford  XXXX  a month. I feel this loan has continued to grow as it is from the amount I originally took out, I ca n't afford much and the loan is never going away. I feel I was forced into forbearance and find I may have and still may qualify for some kind of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: AES/PHEAA
State: NY

Complaint narrative:
I n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I am currently unemployed, and having difficulty making payments to Navient. I just found out that they have been calling and harrassing my previous employer, for whom I have n't worked for over 2 years. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MN

Complaint narrative:
I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I am receiving NUMEROUS calls for someone named  XXXX   RPM (  Receivable Performance Management ) at phone number  XXXX . I am NOT  XXXX  nor do I know a  XXXX . I have had my phone number for 9 years such it is unlikely this was  XXXX  's number. RPM continues to call me about a debt  XXXX  owes. When I tell them I am not  XXXX  they hang up. When I call back they put me on hold  for 3 minutes, pick up and immediately hang up. When I call from a different phone and get through to a person  and explain the problem I get put through to a voice mail  of a manager that is full and at which time the system automatically hangs up on me. It is tiresome harassment that I have on multiple occasions tried to correct. PLEASE MAKE THEM STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nationwide Financial Group
State: FL

Complaint narrative:
I open an account with  Nationwide  Bank on  XXXX   XXXX , in  XXXX   XXXX  my daughter received a check for  XXXX  dollars from her taxes, I place the check on my account. The bank cashed the check and frozen my account. I sent them all requested paperwork, proof of address, my completely life to the email provided, and asking to please open my account to be able to withdraw my daughter money or to reverse the transaction to the original check sender. My daughter lost the  XXXX  tax money return. On  XXXX   XXXX  they reopen my account and I find they taken $  XXXX  monthly maintenance fee for the account, for about 12 months, I sent to my daughter via bill pay {$1000.00 } (  same name on the original check cashed by the bank ) they frozen my account today, again and start asking for the same paperwork I s ent one year ag o. I promptly sent all to them including the original check in my daughter name copy. Nothing at the moment, they have my money about  XXXX  in hold. These people are thieves, they account said they accept third part checks, I never overdraft this account. I need to recover my money, I do n't have money for hires a lawyer. Every time I call they told me I will receive a response within 2 days, is not true, the last time they told me that the bank keep my money in hold for 12 months!   I sent them my address proof, citizenship proof, the original check images, in my daughter name, also I have all correspondence via email from and to the bank.   Please help me!

Company response to consumer: Untimely response
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Every month, BAC charges me too much when I only pay the minimum amount due by processing the lowest APR first. See below : " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. ''

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