vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX  placed a wage garnish on my salary without appropriately letting me know. This account has passed the statute of limitations. XXXX XXXX  has responded to my complaint and none of what they addressed in their letter makes any sense. I want to take escalated action against this credit card company as they now responded with information that does not pertain to me. I never had an account of any kind with XXXX XXXX  or XXXX XXXX. They have also indicated that they have not perused any action against me to repay anything. I strongly believe that I have been fraudulently scammed and my identity compromised.I am demanding that any draconian unlawful action taken against me be immediately dropped and the wages unlawfully taken from me be immediate reimbursed. XXXX XXXX is known for falsely and unlawfully making claims against clients. They were in the past involved in a lawsuit according to this accusation. Without further adieu all claims of a wage garnish need to be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: CO

Complaint narrative:
I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I witnessed bank of america stealing customers money, thats what is happening as we speak.

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 2018-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.

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 2018-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took two XXXX classes with the University XXXX XXXX. I only took the two classes and only authorized a loan for the two classes in XX/XX/2009 ( XXXX and XXXX ). I advised them that due to my work schedule I would only be able to do the two and not able to continue with online classes due to the fact my work schedule was too demanding and I was struggling to complete the two classes I agreed to. Also I had found out that I was lied to by the University XXXX XXXX about graduation rates and successful job placement. Prompting my withdrawal from the school. When I looked at my credit report the amounts being charged to me where not as discussed by the advisor and I. I continued to try to resolve the problem with the University XXXX XXXX with no one being able to help with the issue and telling me to contact the loan company Navient. When I would contact Navient I would get rhe run around, different numbers to call, numerous people to speak to. Resulting in mostly answering machines and no response back. I recently had my income tax offset due to this, when i called Navient to demand a breakdown of the original loan, I was denied the information of the original loan. I am now being charged over {$5000.00} dollars for two online classes from the University XXXX XXXX and has been broken into two separate balances on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: Credit Karma, LLC
State: MI

Complaint narrative:
I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX I signed up for the XXXX  XXXX Mileage Card after speaking with an XXXX XXXX representative. The representative told me about the credit card and the rewards, but failed to mention there were two different versions of the credit card ( " Signature '' and " Platinum ). The rewards I was told about, and sold on, were for the " Signature '' card, where as the " Platinum '' card has only a fraction of the rewards. After she informed me only about the " Signature '' rewards, I wanted to sign up, so she walked me through the process of applying for the card. 

Upon approval, I was told I would be receiving the " Platinum '' card, at which time I was unaware of the difference, or the existence of the " Signature '' card. Today, XX/XX/XXXX I finally learned about the difference between the cards after speaking with another XXXX XXXX representative. Had I been told upfront about both cards and the process for approving each of the cards, I would have either not applied, or if I had applied and gotten the same approval for only the " Platinum '' card, I would have called the credit card reconsideration line to speak with someone about getting approved for the " Signature '' card.

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 2018-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a credit card with XXXX XXXX. A type of service through them was added to my account with out my knowledge or permission. When I did not pay them for this service they added late charges to the amount and have recorded my account over 30 days late on my credti report.

I never keep a balance on the account and when I last used it for purchases those were paid in full.

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 2018-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. 

I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. 
I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. 

Primary account number : XXXX, XXXX, XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
XXXX XXXX. broke the FCRA by not following the proper procedures regarding adverse information uncovered by an employment background screen According to the FCRA an employer must wait 10 days before taking an adverse action against and employee when a negative item such as an arrest is discovered via en amployment background check. In this scenario, I was deactivated and effectively fired at the same time as the negative information was shared with XXXX  by XXXX XXXX XXXX. I was barred from employment simultaneously upon receipt of the employment screen I had already been driving on the XXXX platform for a year and was not given a fair second chance to explain or dispute an arrest i had endured. The second XXXX learned of the arrest is the same second that i was firedl. No dispure grace period or any discussion whatsoever, just an abrupt termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.

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 2018-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am being overcharged for interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have filed a fraud claim with Discover Card. I have TWO active police reports. I am ALSO a victim of Identity theft the amount on the claim is $ XXXX.Stolen Discover card. I was initially denied the fraud claim with discover while there are TWO active police reports. The action was done by an active drug user who actually called discover admitting to her actions. Discover Confirmed this to me yet is trying to re invoice me. Date of Fraud Transations is XX/XX/2017. Criminal went and said XXXX came XXXX Conquered. She even agreed to come to police department and never showed up. Discover is COMPLETELY in the wrong in this situation. I have all the actions including TWO active police reports. In getting discover they state they have fraud protection. This is clearly fraud. How could they victimize some one who was victimized by a crmimial.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TN

Complaint narrative:
I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 monetary relief
Consumer complaint received 2018-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.

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 2018-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I had phone service with google using their XXXX XXXX. When the new XXXX XXXX came out they offered a trade in program where they offered up to {$400.00} for the trade in if i bought the new phone. I agreed to this and got {$400.00} for my phone and purchased the new XXXX XXXX XXXX with my credit card. I later on decided to cancel my service with them but before I did I asked what was going to happen to the {$400.00} that I received with my trade-in. They assured me that the amount was going to be issued to the card that I had stored on file. I agreed and switched carriers. About a month and a half later i contacted them wondering about my credit and they told me the only way I would receive the credit was in XXXX XXXX credits and that no other options were available. Customer service was not able to help so he transferred me a " specialist '' to help me yet still nothing. He escalated the issue to someone else. A day later I got an email and still they were unable to do anything. Customer service recommended me to get back with the XXXX XXXX to use up the credits even though I left because of the Customer Service issues.

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 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I have checked my credit and do not show any balances in this amount, and do not know of any accounts that are past due with this amount. I have no Idea of what this is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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