vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
We moved into XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Due to financial hardship, we had to move out before the lease expired because the landlord filed an eviction notice against us in court. on XX/XX/XXXX, we vacated the apartment with 0 ( zero ) balance and all the fees paid thru XXXX XXXX Superior Court. A month later I received a letter that stated that I still owe {$36000.00} in rent since I am legally responsible for it through XX/XX/XXXX. 
I contacted the manager of the property and was notified on XX/XX/XXXX that my former apartment had been already leased and I will get an updated bill soon. The updated bill came in 2 months after we moved out and the total amount was {$6500.00}, which is equal to 2 months rent. Yet the apartment was vacant for less than two weeks.

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 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account was with XXXX XXXX and a XXXX XXXX, This was a auto pay through a XXXX XXXX bank account. I Had to cance the card because it was compromised. XXXX XXXX had the wrong contact information and turned it to XXXX XXXX company, submitted collection on XX/XX/XXXX. 
I resolved this with XXXX XXXX on XX/XX/XXXX and and I have a copy from XXXX XXXX to collection agency to remove collections. 

Hello Settlement fee of {$99.00} was obtained, service is paid through XX/XX/XXXX. 

Notice was communicated to collections department to cease collection attempt. 

Kindest regards, I also submitted the Same dispute to XXXX and it was removed emeadatly

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 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to pay my payment online at the credit card companies website. It was XXXX XXXX on XX/XX/XXXX, the day the payment was due. Before I made the payment I noticed the last activity on the card was a {$25.00} late fee added on XX/XX/XXXX. 

At the bottom under where you pay a notice said that payments made after XXXX XXXX. EST would not be credited until the next day so even though I was making a payment on the day it was due, I was being charged a late fee anyway which was added the day before the payment was due. I made a payment of {$100.00} and the website said a payment was made on XX/XX/XXXX. 

I called the company the next day and they reversed the fee " as a one time courtesy. '' If a consumer makes a payment on the day the payment is due regardless of what time of day or night it is how is it legal to charge a late fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: MT

Complaint narrative:
I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well. 

Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me. 

I have now once again manually transferred the money over. 

How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none. 

I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence. 

I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.

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 2019-05-19 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: V and H Portfolio
State: OH

Complaint narrative:
There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In the past couple of weeks I have been receiving none stop calls from NAVIENT collectors. They have been calling me maybe 3 -  4 times a day. The number is XXXX and other numbers. The messages that they leave in the voicemail are vague and seemingly automated. 


I would also like to point out that when pressured ... I asked Navient who owns my loans, how can I contact them and make a settlement on my debt ... they simply gave me a false phone number that left me with no solution in terms of reaching out to who owns my loan in order to attempt negotiating a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I want access to a specific account for funds. Im not getting the correct information. Also how my credit is scored is just wrong and not fair. My credit score is only calculated by using one maybe 2 of the three credit bureuss thus bringing my score down considerably. Also i have a lot of inquirys too many and most i have nothing to do with. I also question a XXXX XXXX XXXX i have the title to my truck but there still charging me monthly. Would like them to be investigated. There is a few other possible fraudlent accounts that im not sure of or is fraud. There is 8 inquirys that submit negative information on me there is no reason? Medical information being sent to others and used by someone im single no kids my medical information should not be used or shown by anyone, im discriminated against as it is.

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 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.

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 2019-05-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.

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 2019-05-19 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Reviewed credit report and saw a number a hard inquiry from Target/td XXXX XXXX, SD XXXX. Never applied for a Target Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: CA

Complaint narrative:
I've been contacted by Allied Interstate, LLC twice. The first time, I just dismissed the call as " phishing. '' On XX/XX/19 I was contacted for the second time. When I answered the call, some Asian-speaking woman said something and hung up. So, I called them back. I get so tired of these kind of fake calls. 

A man came on the line, named XXXX, which I'm sure was a fake name, and he said that Allied is a collection firm. Then, he said we have a " personal matter '' to discuss with [ my name ]. Are you this person, he asked. I said yes. Then after I yelled several times " what do you people want, '' he said will you verify this address ... as yours? He had my address!!! I said XXXX no. I'm not verify anything that you want me to verify. 

Further, I said I have a FICO score of over 800 so I'm sure that nothing is in collection anywhere. I don't have any outstanding debts, let alone any creditor trying to get money that I haven't paid. I was so angry I hung up on the XXXX and blocked the phone number. 

I think they " phish '' for information like this. I don't have any outstanding debts for anyone that I know of. If I do, I would think that the companies that I have accounts with, would put this situation in writing before going to some collection agency or at least I hope they would. Otherwise, I don't think it would hold up in court. 

I've looked online for information about Allied Interstate, LLC, and they have an attractive website and do say that they are a collection agency. BUT, anyone can look legitimate this way. And, I've seen " hints '' by several people posting remarks about Allied, that this company is bogus and trying to get financial information from unsuspecting people. 

The phone number they used to contact me was XXXX which is probably as fake as they are. That is not the phone listed on their website. If they maintain that they are legitimate, please tell them to contact me in writing not by pone with complete details of the business that they are collecting for.

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 2019-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
I am presently having compliance difficulties with the company named, " Financial Recoveries   XXXX. '' The company 's contact details are, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, N.J. XXXX, with their telephone being ( XXXX ) XXXX. 

On XX/XX/XXXX at XXXX XXXX - I got a call from Financial Recoveries, however, the agent on the receiving end kept on asking me " XXXX - hello - are you there? '' I also overheard this agent commenting to an unknown co-employee, saying, " Traditional Medicaid ; I can't ever do it. '' Seemingly alluding to a computer problem on their side of things. 

The problem that I must have corrected, is the company is failing to pay the medical bill using my Fee-For-Service Medicaid. In XXXX of XXXX, I had been approved for Medicaid, and I received a retro-active benefits letters, and that letter explains that I've got coverage three months before XXXX, and proceeding to the month of XXXX - using F.F.S. Medicaid. 

The F.F.S. Medicaid number is XXXX. I have given my number to the company three times. The company is aggravating me very MUCH. They keep calling, all while failing to process my medical bill with Medicaid - and I have discovered today that they've sent my collections to my credit file, and I am not deserving of this. This should NOT be happening. I am COVERED and I am demanding this problem be FIXED immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a student loan with Sallie Mae, it was opened in XXXX. I was paying it for 5 years, but I couldn't keep paying for all my debts because on the recession and my salary was frozen for 5 years, so I was forced to file for bankruptcy chapter 13. Sallie Mae closed my account and I didn't receive any information about it for those years under my bankruptcy. When I finished paying it last year XXXX, this account show up in my credit report under a new lender Navient. Navient didn't send me any information or anything to let me know I suppose to resume my payments, I discovered when I applied for a loan. It also shows some payments, I couldn't understand who was paying for it, at the beginning I thought it was a mistake, then I decided to complaint to the credit bureau, today I have their letter saying that in fact the account is belong to me. My complaint is why Navient don't send me any letter before starting reporting to my credit report, it's not fair, and why they add more than 10,000 to the original debt. I have to add that I'm a XXXX working for more than 10 year at inner schools and low income, helping the poorest families, and a single mother. I know there is only business, but our country is still and remains under God with liberty and justice for all, this company should start saying the pledge of allegiance, and do the right thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This has to do with the class action lawsuit against Webster bank several years ago, they had to pay back their customers because they were found guilty of putting through higher check amounts causing lower check amounts to become overdrawn, thereby costing the XXXX OD fee on more checks than if they had paid those. I never received my payment from them. I followed through with everything I had to do but still never received my payment. I can not afford an attorney to do this for me but I had a lot of months this happened to me, I know I'm due something, and right now I need every dime im owed. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This vehicle was totaled XX/XX/12. XXXX XXXX paid the remaining balance of {$3000.00} on XX/XX/12 to Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. The vehicle mentioned had {$3800.00} of equity in it, which was paid to XXXX XXXX XXXX, XXXX on XX/XX/12. This brings me to the matter of the company listed here consistently reporting to my credit file as being a repo. Enclosed is a letter from the insurance company proving that they were paid and that they accepted the check and so did as I. Also, included are previous dispute letters requesting removal of the inaccuracies of their reporting to my credit file.

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 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I began working with my husband in XX/XX/XXXX at his business, and he would pay my expenses through his checking, usually his Bank of America account. 
That is how it has been until XX/XX/XXXX. We separated to divorce because he sold my daughter medical XXXX and she was arrested for having it. He has been threatening he will stop payments in text messages since XXXX - if I left. 

Bank of America is reversing all payments he made on my behalf. 
I now face almost a year of bills in the past 2 weeks. With more to come I am sure. 
Every payment that was made is now reversed.

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 2019-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed online to remove some addresses that do not belong to me and others to be removed because is incorrect. After submitting the dispute there response was " submittion failed ''

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 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a mastercard through Bank of America for over 10 years. I have never missed a payment, paid my balance in fully faithfully every month. I received a form letter from bank of america in late XXXX advising me my account was closed. The letter provided generic possibilities as to the reason for closure but did not give me the reason for closure. They provided me their credit score of XXXX which is excellent. I proceeded to pay off my remaining balance with online access. I called a representative at Band of America a couple days prior to my final payoff and requested a check covering redeemed rewards points be mailed to my address. She advised that I should request the check redemption of the rewards points after my final payment. After the final payment, when I attempted to access the online account I was unable as the account was closed. I called XXXX at Bank of America ( XXXX ) on XX/XX/19. She found the letter submitted to me and she was also mystified as to the reason for closure. She was unable to find any evidence of my earned rewards points. She initiated a case with Case number : XXXX. I find the actions of Bank of America to be completely inappropriate. Not only have they damaged my credit by closing the credit card, they stole my rewards points after misleading me to request remuneration by check after finishing off my balance payment. Optimally, I should have my credit card account and points restored. Absent this step, I should receive a check for payment in full of my hard earned rewards points. I also feel an honest advisement of the rationale for the account closure after all of these years would be appropriate.

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