vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster and Garbus sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same XXXX debt. This money should be barred according to NYS law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
I recently tried to pay off debt. I got in contact with Law Offices of Marvin S. C. Dang, LLLC whom bought my debt. They refused to mail me my current debt amount and requested a different amount citing processing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST

Complaint narrative:
My husband and I visited Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to open CD on XX/XX/XXXX. We discussed with the banker about a CD, the interest and I remember my husband asking about the cancellation penalty. He said " There will be no penalty, if we give a 3 months advance notice. If you want to cancel immediately, the penalty will be 3 months of the CD interest. '' Unfortunately we were not given any documentation. We opened the {$130000.00} CD on that day. After 3 years and 7 months, we needed the funds immediately. So I flew to US for 4 days to release our money, visited on XX/XX/XXXX and explained what the banker told us and what we had agreed upon when bought the CD. The manager did not check any documents or even say he would look into it or ask for the the name of the person we talked to and then said to me " It's a he said, she said situation. '' and that there was nothing he could do about it. I came back to XXXX and told my husband what had happened and he wrote to the bank manager, however it looks like the the bank has no intention to find out the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX  XXXX sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same Discover debt. This money should be barred according to NYS law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
Is unknown debit, I do not have any knowledge about this item in my credit. 
I am fraud victims on my bank accounts. My account is hacked since 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX, and XXXX has added two collections company on my credit report. After my credit report last week went up it has now gone down at least 30 points or more. The credit card company, or bank has closed this account and now it has shown up on my credit report by fraudulent means. 
This is a fraudulent company who opened up a collection account without my consent or knowledge. I want these companies removed from my credit report, and I want them to pay me {$10000.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed bankruptcy in XX/XX/2009, it's over 10 years ago, and information about bankruptcy still in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX has their flight attendants aggressively market credit cards through in-flight PA announcements. 

These ads often seem misleading ( " fly ANYWHERE using these miles '' ) and some statements seem like lies : 1 ) a flight attendant, in XXXX, telling us " I heard that the XXXX bonus miles offer is going away at the end of this month. '' The offer is still here in XX/XX/XXXX XXXX a flight attendant this week said, " If you're connecting in XXXX, you'll want to apply now because this offer isn't available on every flight. '' But it is. 

As a frequently flyer, I hate being a captive audience to their intrusive, loud, and often misleading ads.

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 2019-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have tried to work with Navient as my private loan lender for repayment of my college loans for years. I have been paying on them since graduation in XXXX. I have just struggled trying to live ( pay my rent for housing, food, car ) I have not had leftover money from all of my " needs to live '' payments and my additional school loans through federal. This past time I tried to get my loans lowered in XXXX of XXXX was my last straw. I had been paying only interest of XXXX a month which was doable, but it is not helping me in the long run because interest is still accruing on my 30,000+ private loan. I don't foresee a great increase in salary because of the salaried job I hold with a company that struggled to pay me an additional 1,000 per year. I'm currently grossing $ XXXX. I receieve an average of {$1000.00} per pay period every two weeks. I pay into two loans for school that add up to around {$270.00} per month. These companies are XXXX XXXX and XXXX, both federal loans and have tried working with me. Navient wants me to pay {$300.00} per month. That is how they proposed to help. When I last spoke with two ladies at Navient, one being a supervisor, they were unhelpful and suggested I get a second job to help pay their Navient loan! I am furious at this " help '' and have NOT wanted to work with them since. 
Now they have reported me 5 months late to credit reporting. I do not know what to do. They have tried to call but I'm so mad at their tactic to " help '' by suggesting I get a second job I do not want to do business with them, let alone give them anymore of my money. I have always had more than XXXXne job trying to pay my loans but recently I had to stop working a second job because of my health. 
How can you all help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
So I have been being with USAA for seven year. I started to notice strange thing happening to my accounts. On XXXX I started a fraud investigation with them and I have been put on hold, hung up on and lied to about XXXX   has been taken out of my account and even with me being calmed about this matter the have caused me to have to moved out of my home bc the refuse to help me while the investigation is being worked on. I have called everyday and all I get it a run around. I have talked to someone I. Every department even emailed the CEO and all the can say is sorry but there is nothing we can do. I have asked for document and they have yet send them. As well I filed a XXXX complaint and nothing. The latest thing that they are saying I am responsible is charges to a XXXX XXXX when the was no debit card attached to the account. It has caused me emotional stress bc this is about to go on for two months now and the are being inconsiderate of a veteran that they are refusing to work with after I have done everything they have asked!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: FL

Complaint narrative:
called XXXX fraud specialized team on XX/XX/2019 and tried to dispute numerious credit inquiries that i did not apply for and demanded thoes inquiries to be removed. but was told over phone that they do not remove fraud inquiries they refuse to removed fraud inquiries which transunion is subject to fcra violation and requesting them to remove all unauthorized fraud inquiries from my report starting from XX/XX/2019 threw XX/XX/2019 except inquiries that are related to my actual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX Experian, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. XXXX XXXX also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. XXXX XXXX is still reporting 1 account to Experian and XXXX  ... see CFPB report attached.

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 2019-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
XX/XX/2019 pass due balance XXXX car sold at auction and XX/XX/2019 pass due balance XXXX I would like this remove from my credit report because value of car is greater then pass due balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK

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 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
I bought a {$200.00} face value Blackhawk Master Gift Card on XX/XX/2019. When I used at XXXX on the same day, the card got declined. I found the money was deducted from my card. I contacted Blackhawk regarding that. I followed their instructions to submit a dispute form with the receipt from XXXX. Blackhawk sent me another email on XX/XX/XXXX, and requested me to provide more information but without telling me what information. I called Blackhawk again on XX/XX/XXXX afternoon. The wait time for a representative changed from 4 min to 14 min to 85 min and 64 min but hard to get hold of some representative to help. When a rep finally answered, he just asked me to submit correspondence records with records and other unnecessary stuffs. I provided the receipt and form already. Blackhawk just made the dispute extremely difficult so customers will just give up their own money for peace of mind. 

BH case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
Sent Several disputes advise and this was not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I requested my free credit report from Equifax and received it XX/XX/2018. On the report was a made up name but all the other information was correct. " XXXX XXXX   XXXX '' has never been my name. I wrote to them to correct my name but they refused to. Since I have had a name change I tried again to update my name. The process was long and arduous but they finally accepted my legal name. However, they still list this made up name on the credit history. I am worried that my identity is at risk as long as this false name continues to reflect on my account. The other two credit bureaus never created this made up name so it is only a problem with Equifax. I am very worried that for approximately two years they had a false name that they collected data under for my soc and address. They need to take this false name off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. Fox Collections also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. Fox Collections is still reporting 1 account to XXXX and XXXX ... see CFPB report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX deposit of {$4000.00} was made to USAA on XXXX XX/XX/2019. Check cleared sender 's account, XXXX XXXX XXXX  on XXXX XX/XX/2019. USAA, despite risk elimination of funds is withholding {$3500.00} on the USAA account. These funds were intended to be emergency funds for a critical situation which has become exacerbated due to USAA having funds on hold. Since risk of the deposit has been eliminated, there is no valid reason why USAA should keep the funds from being accessible. I've spoken to several account specialist and am told an array of arbitrary reasons why they can not release the funds. The explanation for hold on funds is nothing short of red-herring and ad-hominem fallacies masquerading as excuses to " protect my interest, '' when in fact it has caused my situation to become worse. However, the fact remains, it is my own money, risk is non-existent and I demand to have access to my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Immediate Credit Recovery
State: TN

Complaint narrative:
This company is attempting to garnish my check for student loan debt I dont owe. They have not contacted me to check if its really me or to work out a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
BK OF AMER XXXX How can this be true when all the remarks are OK then the status is Charged-Off? This is inaccurate. Please delete this.

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 2019-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My car was damaged in a car accident with XXXX XXXX XXXX where I purchased the car XXXX XXXX for {$21000.00} cash. I financed the car on my own with Bank of America. They gave me the money. On XXXX XXXX my car had a warranty issue and while in for service at XXXX XXXX XXXX they had an accident with my car and it cost {$12000.00} to repair. The dealership sent my car out to their repair shop for 51 days and promised to give me another vehicle. My car should have been declared a total loss. Instead it was given back to me after my signature was forged on the paperwork from the dealership. I now owe {$4000.00} on the vehicle and I want the debt to be forgiven because there was fraud and I should not have to pay for a car that was damaged by the people I bought the vehicle from and fraud was committed to obtain a kickback for referring my vehicle for repair at a body shop of their choosing for repair of my vehicle. This is fraud and I have serious concerns about my continued payments on a fraudulent transaction by XXXX XXXX XXXX and XXXX XXXX. I'm asking for help as a one time courtesy..

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 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello I need your help on a collection accounts that is showing on my credit report. 
By law I read the collection agency couldnt charge you interest after they both the debt for a penni. 
Another note, why this collectors all alleged that I owe them money, I had never made any business with these company I did not gave them permission to have access to my personalL information. I dont even know who this peoples are. Anybody clido mail a letter that they owes money to XX. Company. 
But how they proof that. I have no business these companies.. 
If they are adding interest on this accounts why I never received a letter or statement advising me about new charges. And they failed to validate this account they didn't even want to tell me if midland funding and XXXX XXXX XXXX XXXX XXXX Attach are the screenshots.

Company response to consumer: Closed with explanation