vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking XXXX to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

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 2018-06-18 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My XXXXXXXX XXXX XXXX was used without my authorization and consent as a result of identity theft, It is effecting my XXXX XXXX score as it is reporting usage of {$430.00} on a limit of {$500.00}, none of which I used. I want XXXX to report my card as paid in full today to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a consumer with Bofa online mobile banking the issues I am having are XXXX the new assistant I spoke with numerous reps and they say we will put it in feedback and I waited for the update to turn OFF XXXX FROM SETTINGS AND MY definition FOR IT IS SHE IS STILL IN THE APP BUT SHE IS TURNED OFF OR REMOVED FOR THE ACCOUNT AS A CONSUMER WHO NEVER LIKES TO FORCED WITH A SERVICE ON A 3 YEAR OLD PHONE THAT CAN NOT SUPPORT THAT SERVICE FROM MY experience FROM USING THE APP IS SLOW AND YOU ARE responsible FOR THE UPDATE AND FIXES AND MAKING OLDER DEVICES HAVE options TO TURN OFF FEATURE THAT CAN CRASH THE APP AND MAKE IT unresponsive TO USE WHILE ON THE GO AND I NEED A CLEAR explanation WHY YOU ARE NOT listening TO CONSUMERS ABOUT FIXING THE ISSUE THAT CONSUMERS ARE HAVING WITH THEIR OLDER DEVICES THAT STILL SUPPORT THE OS ON THEIR AND FROM MY RESEARCH FROM OLD APP WAS STABLE CPU ( Central Processing Unit ) WAS IN A STABLE STATE BEFORE XXXX WAS RELEASED AFTER A MOUTH SHE WAS RELEASED AND MY CPU WAS BAD AND I AM HAVING A UNSTABLE PHONE TO USE ONLINE BANKING I CALLED THE REP AND HE WAS ABLE TO REMOVE IT BUT SHE CAME BACK AND MY CPU WAS SO BAD I SAID NO MORE THIS HAS TO BE A UPDATE FOR OLDER PHONES TO BE ABLE TO TURN OFF NOT unenroll HER SHE WILL BE ON YOUR ACCOUNTS PAGE I WANT TO BE ABLE TO TURN HER OFF IN SETTINGS BUT SHE WILL BE IN THE APP BUT NOT TURNED ON WHICH MEANS NOT ON THE ACCOUNTS PAGE HAVE AN UPDATE AND GIVE A CLEAR EXPLANATION WHY YOU ARE REFUSING TO RELEASE A UPDATE FOR OLDER DEVICES THAT SUPPORT THE OS BUT NOT THE SUPPORT FOR THE NEWER PHONES HAVE BANK OF AMERICA FIX YOUR APP FOR OLDER DEVICES AND GIVE A CLEAR EXPLANATION OF WHY NOT RELEASING A UPDATE FOR OLDER DEVICE I GIVE XXXX OR BOFA APP 1-10 STARS FOR NOW UNTIL ITS FIXED.

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 2018-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: ERC
State: IL

Complaint narrative:
I have contacted ERC ( Enhance Recovery Collection ) representing XXXX on 3 separate occasion by certified mail to provide validation of this debt with my actual signature on the documentation and they have not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..

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 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC
State: CO

Complaint narrative:
A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.gov/XXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX and I am a XXXX veteran. About three weeks ago I went into the hospital for treatment for a XXXX I have called XXXX XXXX. My finances have been messed up since I missed a benefits pay but I have existed. Most recently I forgot ( due to my hospital entry ) to cancel auto payments on a credit card and my bank account causing my account to become overdrawn. Since then I have scrambled to come up with funds to cover the OD   and I have been charged over {$300.00} in fees by citizens. I contacted them asked to have the fees waived. I exist on about 1000 a month or XXXX a week. These fees have me in such a bad situation my health is being affected because I cant afford a XXXX XXXX. I have borrowed and begged but I need assistance from the bank at this point. I am once person one drop in the bucket and your bank doesnt need my blood. Please I am asking you to not penalize a sick man. All of the fees you have charged me is putting me at further risk and even though I am young, I am XXXX XXXX bound, am unable to XXXX and relied on my nurse for most of my purchasing. While I understand you need to make a buck off the backs of those who use your services, this XXXX XXXX   doesnt have any more space on his. 

All of these fees came about because I didnt get a transfer because I was in the hospital and sick and forgot to transfer the money to cover my auto payments but I stand by the fact if the account was over drawn Citizens shouldnt have sent THEIR auto payments. They arent responsible for the auto payments I had with XXXX and XXXX XXXX but my account was OD by {$900.00}. And look how many were fees??? How is this not predatory! And my account is STILL Overdrawn!! 

I am asking that you help me recover these funds. 
Sustained OD on XX/XX/XXXX {$30.00} Returned item fee XX/XX/XXXX {$35.00} Sustained OD on XX/XX/XXXX {$30.00} Sustained OD on XX/XX/XXXX {$30.00} Overdraft fee on XXXX {$140.00} ( Citizen bill payments were sent on an OD account while I was hospitalized ) Overdraft fee XXXX {$35.00} Overdraft fee XXXX {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
The validity of this account has been disputed directly with the company Navient Solutions LLC, and the 3 Credit Bureaus XXXX, XXXX and XXXX. There is NO CONTRACT related to this account! Please provide any documentation containing my signature that shows that I am under contract for the debt. Being that the account was transferred to another lender, please provide any agreement between the original creditor and new lender or collection company. XXXX  has deleted the account in accordance with the law, however XXXX and XXXX continue to report this account as verified or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX  and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select portfolio servicing inc. acquired my adjustable mortgage in XX/XX/XXXX i called in early XX/XX/XXXX to set up ( during the 60 day xfer period ) i was told it's {$15.00}. to make a phone payment! but free as a first time call they could schedule up to 3 months payment! they said it takes a month to get the auto payment set up on there web site! 
next they called in XX/XX/XXXX to tell me that i was 30 days last since XX/XX/XXXX 
clearly i don't work at SPS so it's impossible for me to have personally made the data entries and apply all 3 payments a month late? i don't even understand how any bank could even allow this happen??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
froze my account costing me money i cant pay my bills b/c i put a dispute that i've been hacked now i'm late on all my bill cra and ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TN

Complaint narrative:
Collection debt for XXXX XXXX is reappearing again. It was discharged last year after working on it for 6 months. Now a year later it is with a new debt collector. This was discharged by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made a purchase through XXXX which was cancelled out by the company due to product being out of stock. XXXX didnt credit the full amount back to account which led to interest accrual. My available balance is {$200.00} and my credit limit is {$200.00}. On XX/XX/18, I received a notification from my credit monitoring of a 30 past due account which knocked my credit score down over points. I called XXXX and they assured me this would be corrected and the amount due would be XXXX due to their error. This has not been fixed yet and is seriously effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
The company XXXX XXXX  XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a PayPal Extras Mastercard backed by XXXX XXXX   on XX/XX/2017 and pay off the balance every single month prior to the statement closing date but every month, they still assess an interest charge. When I call, I have to be rerouted from a foreign call center to a live person in the United States which takes approx. 10 min. If I reach a person who is more combative than helpful, the call is terminated or escalated and the problem is resolved no less than 1 1/2 - 2 hours later. Each representative that I speak to has a different explanation for why the interest in being assessed on the account. The interest charge has been reversed each month on both mine and my husband 's credit card account but only for our effort. One statement charged interest on a {$1500.00} balance and my balance was never that high so it appears that they are inflating the balance to charge more interest. I reported the problem to PayPal, as well, since they are the owners of the name.

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 2018-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
A company call XXXX XXXX XXXX came onto my private property on XX/XX/2018 and stole my automobile. I did receive any type of notice saying they collecting on a debt. If they take or threaten to take any nonjudicial action ( i.e, without a court order ) to repossess property when there is no present right to possession of the property they is in violation. l did not receive any type of notice asking if they can enter onto my private property and steal my private automobile.

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