vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy rewards card that runs as a credit card thru Citibank. I noticed my balance wasnt decreasing as I was paying my card every single month. I knew something was wrong. When I gave them a call they had said that I was paying into a program called debt protection which I have never authorized or even heard about. It was charging me XXXX a month! Furious, I complained and cancelled the service with the promise that I would either receive a credit to my account or receive a letter stating the process on the issue. Its been about 6 months and still no word. I call at least once a month and still have not gotten any progress. I will NEVER use this card ever again. Im am greatly unhappy and disappointed in the services and bs that Citibank provides. Charging customers without consent is a criminal charge!!!!

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2017, BBVA Compass bank was offering a bonus of {$200.00} when a consumer open a new checking account and make a direct deposit of at least {$300.00} within 60 days of account opening ; I opened " ClearChoice Free '' checking account in XX/XX/2017, and made 1st direct deposit within 60 days from account opening ; I have NOT received the {$200.00} bonus as promised ; I made numerous phone calls to customer service, there is no resolution on this issue ;

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX Dates XX/XX/2014 acct # XXXX {$1000.00} Also acct # XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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:
Since I've been involved with Navient ( Sallie Mae ), managing my student loans have become increasingly entangling and confusing. I tried to understand exactly what I was being charged and the best options that would be available to me over the course of the years but I was always pushed toward Forbearances and Deferments. It has become so overwhelming to defend myself against this major corporation when time after time I would reach out to discuss the best repayment options for me and to get detail on exactly what the best option would be for me, but the customer services representatives would constantly push me to the 'easy ' buttons on the website and just tell me to quickly apply online for the forbearance and assure me that 'I would be accepted '. Even when I was receiving minor income and/or state assistance, the answer would always be 'another forbearance '. Sometimes, the forbearances or deferments would be up to two or three months apart, even after explaining that I would need more time and clarification on the best options for me. 

No one at Navient ( Sallie Mae ) would spend more than five minutes guiding me on the phone, instead, they would tell me how convenient it would be for me to just go online and 'click on the buttons ' to apply for forbearance and/or deferment and 'upload my documents '. I also noticed what appeared to me as the egregious late charges, etc. and my loan would triple within months even after explaining my financial hardship again and attempting to get guidance. Navient created a vicious cycle for me, that I believe was applied maliciously. Oftentimes, when I would attempt to apply for repayment options on my own through the often hard to understand prompts, I would be denied and would once again be pushed to forbearances and deferments. I would like a further investigation into my case as I am in extreme debt with this company and am still experiencing financial hardship and confusion around the number of fees, and late charges, and options that I would have to the best path toward gaining loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I open a credit card with XXXX XX/XX/XXXX I was late in XX/XX/XXXX due to financial hardship due to job loss I have tried to get them to remove late payments since I have been current with them since XX/XX/XXXX they have refuses to do that stated they can not remove them from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I do not have access to the dates the incident took place since it was logged in my PayPal account that has been terminated by PayPal. Approximately two years ago, I discovered fraudulent activity on my credit card. The charges were made to XXXX XXXX through my PayPal account. PayPal issued the charges to a credit card I had linked to their service. There were several small charges for less than {$1.00} ( XXXX ) and then I had larger charges following. 
I contacted XXXX about the charges and was informed I must have shared my credit card information. The gentleman then told me they would conduct an investigation and contact me with the results. I contacted XXXX once again and was informed that they could not find any fraudulence. I also wanted to know what the charges were for and that could not be answered. I was told the charges looked to be for games due to the amounts of the charges. I contacted PayPal for  a refund of my money and they issued me a refund, but after their investigation, they wanted to be refunded. I am now in collection over fraudulent charges to my account to the amount of {$230.00}. 
I am frustrated that XXXX is unable or not willing to look into who received the charged items!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
a few years ago i saw a collection on my credit report from a company from XXXX XXXX assc, i disputed the claim several times as i truly did not know where this came from. last year ( XX/XX/2017 ) i sent a written letter asking under the FDCPA rules to send me proof from the original creditor that this debt was mine i never heard back from them. i disputed this several more times. Today i called them at XXXX spoke to an assc on a recorded line ( they record the calls ) where he stated they received the letter however an official response was never sent to me. I have attached the letter i sent to them and they will confirm this by the recorded call that it was received. As i understand the rules if a response is not given in a time frame this is to be removed from all of my credit reports. i made 3 written attempts with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Hello I recently sent money to someone through PayPal and did not receive what was promised. Is there a way to get my money back after this scam? Anything helps! Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my 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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my 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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Chexsystems has and is still reporting me as an adverse account. I spoke with XXXX XXXX, of Chexsystems who was no help. Chexsystems is reporting an Account that has been paid in full as adverse action, which causes me Financial Deformation because I am unable to open up a basic checking account. My Chexsystems report consumber ID is 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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
Please know that the complaint with MCCARTHY, BURGESS & WOLFF , INC. complaint XXXX has not been not resolved. They have not cancelled my account and the phone calls continue. MB & W have contacted me twice since the case was closed on XX/XX/XXXX. 

On XX/XX/XXXX, MB & W called me at home and left a message to contact them. 

On XX/XX/, @ XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX from McCarthy , Burgess & Wolf , harassing me and stating that XXXX  XXXX XXXX has declined both payments for {$30.00} and {$110.00} which is not true. She said that MB & W must now focus on the whole amount for {$690.00} and is requesting full payment. I tried to explain to her that per my claim with FTC Consumer Financial Bureau the account with MB & W was cancelled. But she rudely and abrutely stated that she " will make a note on the account of my refusal to pay and then she abruptly hung-up the phone. 

Afterwhich, I once again contacted XXXX and spoke with Representative XXXX from Pennsylvania who stated that no attempts were made under my account for either amount. She said that if the information that the company put in is incorrect such as the routing number or the payment amount is different then the payment will be declined. 

Therefore, I humble request that you please look into this issue again? Thank you in advance for your attention to this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: AES/PHEAA
State: WA

Complaint narrative:
On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a credit card with JC Penney I had late payments in the past due to financial hardship being unemployed I fell behind on payment due to not having the money to pay I have been current with them for the past 3 yrs now and they have increased my limit but will not remove late payments stated they are unable to do that with the credit bureaus

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 2018-06-05 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: Riverwalk Financial Corporation
State: AL

Complaint narrative:
In viewing my credit report information on XXXX I had an alert from a new collection by a company called XXXX XXXX. The account said the original lender was XXXX XXXX XXXX which I have never had any dealings with or knowledge of. There was no date shown as to when the account was opened or transferred for collection. The account number given was XXXX for a balance of {$1600.00}. Either this is a fraudulent account or this company is pulling a scam. I have never received any correspondence from this company. I tried calling their toll free number but there was no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern : I have throughly reviewed my credit report and I would like to inform of the inaccuracies it contains. I am requesting, under the provisions of the fair credit reporting act, 15 usc section 1681i, that you investigate these accounts. 

accounts for dispute : XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reason/nature : not mine, never had an account with this company I understand that failure to investigate these accounts within a period of 30 days will result in ''non verifiction '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the fair credit reporting act - specifically 15 usc sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and update credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
XXXX XXXX has falsely indicated that I owe a balance of {$2000.00} in which the account was paid in full by XXXX XXXX, federal student loan company on my behalf. I have made several attempts to take care of this inaccuracy to be told by XXXX, the account has been verified. I have not received a verification letter to confirm the amount they are reporting to the credit bureaus is accurate.

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 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have no idea who CBE GROUP is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CBE GROUP as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who CBE GROUP, is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CBE GROUP, that  authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
For the last 3 weeks Seller and title company have been trying to locate mortgage holder. No one has been able to help us or point us in the right direction. This loan was paid when they refinanced in XX/XX/2013and not satisfied. Mr . Seller is trying to sell the property before going into foreclosure, wife just passed and not getting anywhere with getting help with payoff OR satisfaction on this lien

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