vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I paid this credit card off through money management a debt consolidation company. I even received a check for over payment of this account. It is on my credit report as missed/late payments.

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 2017-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue

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 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Credit Protection is reporting negatively on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE CHANGED THEIR COMPUTER SYSTEM WHICH PREVENTS ME FROM ACCESSING MY ACCOUNTS. I HAVE SPENT TWO DAYS WITH 3 DIFFERENT REPRESENTATIVES. THEY SAID THEY SEND AN EMAIL WITH CODE. THEY DO N'T. ASK THEM TO SEND TEST EMAIL, THEY WO N'T ; ASK THEM TO SEND ME A WRITTEN COMPLAINT FORM TO MY HOME THEY WO N'T. I WANT ACCESS TO MY ACCOUNT S!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX in XXXX, FL from XXXX, I am left behind with a ton of student loans. My degree was in XXXX, I decided to continue my eduction in XXXX and several schools I applied to informed me that my my credits were not transferable basically the school is not accredited. The school has since closed, there are many complaints and class action suits against XXXX. I was never able to find a good paying job in the field therefore always struggling to make payments on my student loans. I recently called Navient to get a breakdown of the money I took out to pay for this non accredited school and they were not able to give me a right number. After giving me the total I confronted them about not adding up to the total from several months ago but they always have an answer for everything. Navient is another who has a suit against them, I believe that they have falsely given my information not informing me in the past of the best programs for me to make payments to them, although I feel as I have been taken advantage of by both XXXX and Navient and my debt should be forgiven. I am now a XXXX and not able to pay my loans. Can you please look into both XXXX and Navient and get this deceitful debt off my shoulders so I can breathe again. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
I was contacted this morning by Eagle Recovery Associates and XXXX I believe her name is. Mentioned that, '' It does n't take a genus to figure out if I can buy a house I can pay off my debt. '' I never mentioned to them that I purchased my home literally 2 weeks before they contacted me. I am being harassed and the lady said she would press charges if I did not pay my account in Full. I was told that by a supervisor as well. I feel Harassed!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.

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 2017-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My husband bought a land lot in XXXX using a Bank of America home equity line of credit for {$82000.00} - in his name only - against our home, which is in both of our names, as a 2nd mortgage. For the next 10 years, he paid only interest payments. He died in XXXX of XXXX. The very next month after his death, the payments on the HELOC only went from {$340.00} / mo. to {$780.00} / mo. I tried to talk to BOA about refinancing the loan, but they would not because it was in his name only. I have submitted to BOA his death certificate and legal letters testamentary. These had no effect. I tried to go through XXXX, but Bank of America would not agree to be the secondary loan, because my name is not on the HELOC. But, I AM required to make the monthly payments on time. Since my name is on the original home mortgage ( with XXXX ), I have to pay. Also, they still take automatic deductions for a savings account that was in his name only, but will not let me access it. XXXX Mortgage worked for months trying to get BOA to agree to be the secondary loan, but I only spoke on the phone about this matter to my loan officers. There are no papers to attach regarding this. I have attached all relative papers I have.

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 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX report showed that there was a hard inquiry on my credit 2 days ago, which I had not authorized. I called the creditor, CBNA, and they could n't give me any information on where or who this hard inquiry came from and when. She said that I needed to call the credit rating agency, XXXX. I called XXXX and they said that I could n't dispute the hard inquiry and needed to call CBNA again to get a letter of deletion. How can a bank make an inquiry which adversely affects me, and then not have any information on that inquiry? It is highly angering and frustrating.

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 2017-04-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.

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 2017-01-16 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Performance Settlement, LLC
State: NY

Complaint narrative:
I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My daughter received a pre-approved letter for an American Express card. She was approved for a card. I never signed for a card nor ever was issued a card. Prior to XXXX I use to have an American Express card but filed bankruptcy which included American Express in XXXX and all my debts at that time including the American Express were covered in that debt. My daughter missed her payments and went into default and American Express in their attempts to collect a debt that does not belong to me erroneously added it to my credit report. If you look at my credit report you will see that in over 22 years I have not as much made a late payment, ever. Always paid on time and never have been late. I have called numerous times to have this resolved and they have done nothing but give me the runaround. They are even reporting that this account was opened in XXXX which the credit bureaus are aware of now and we are in the process of collecting all data if further action is needed as we have protections under the FDCPA which they have continuously violated. I have sent XXXX letters registered mail to American Express to no avail asking that this information not only is validated with my signature which they can not do because I never signed for anything and this account does not belong to me. My daughter even contacted them to no avail stating that this is her account and does not belong to me to no avail. Which means they continued on XXXX separate occasions to continue to violate the FDCPA which in turn means that they leave me open to Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and so much more. 
I simply want this inaccurate information removed from all XXXX of my credit reports as they not only have refused to provide me with a correct validation of signature. Looking on a computer screen and seeing a summary of a debt owed does not constitute a legal debt especially in light that this is not my debt and no signature can be provided legally binding me to this erronious account that they continue reporting in error. One look at my credit bureau reports and you will see that I am correct and that this had damaged my credit in a severe way as I have not even had a single derogatory remark, negative item and have had a perfect pay history on time always in over two decades +. American Express has been negligent in following the laws that are in place to protect all of us consumers especially when you fall victim to a credit company such as theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: THE VALLE LAW FIRM, P.A.
State: FL

Complaint narrative:
I had a pay arraignment for a debt that went to the Valle law firm. My first issue with this firm was the bill was incorrect and first they billed me for over {$200000.00} which the bill was only {$260.00}. When I called to take care of this debt they informed me it was a billing era and the account number was used for the amount balance. My second issue was after I already made payment arraignments with XXXX XXXX account manager I was still recieving collection phone calls. Not only did I receive calls but they called my parents and asked if they knew me or knew where I was. Again this is after I have already made a few payments and just a day before my last payment was about to be withdrawn from my bank account. When I contacted the law firm about the phone calls they told me " oh it was a mistake ''. A mistake how do you make phone calls to someone parents asking if they know where I am as if I 'm in some kind of legal trouble. The level of unprofessional behavior and disorganization of this firm is unbelievable. I was completely embarrassed by their phone calls especially after I was always willing to pay my debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bureau of Accounts Control
State: NY

Complaint narrative:
Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: NH

Complaint narrative:
We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
I sent two debt verification letters to Credit Collections, USA, LLC and they failed to respond to me and have ignored all of my requests of validation.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is  XXXX   XXXX   XXXX   XXXX  . I live   XXXX   XXXX   XXXX   in  XXXX , TN  XXXX . I have a address on my credit report :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , that I requested be removed in   XXXX  . I have never lived at this address. Please email me at  XXXX  with any updates.

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 2017-04-03 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: NY

Complaint narrative:
Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: AR

Complaint narrative:
To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.

Company response to consumer: Closed with non-monetary relief