vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I Spoke with american express, they wrote off my debt and told me the account was closed, 2 years later im getting 2-3 phone calls a day saying the account is in collections and that i owe them the money, I cant get anyone on the phone to speak to after i request i speak to a manager and when i try to explain what happened they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
On XX/XX/2019, Mariner 's Finance Bank made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.

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 2019-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA

Complaint narrative:
They tried contacting me via my cell phone number and I did not call back because right now I am trying to figure out how to tackle some of my student loan debts. Finally called my employer and told me that in order to settle the debt I would have to cash in my retirement fund. Gave me 3-4 days to look into it. Called me work again. I told them I would not be doing that and he proceeded to tell me that if I don't do that then I am refusing to pay the debt when I in turn told him that I would like to start paying on the debt via a payment plan. He would not give me that as an option. He kept insisting my only option was to borrow against my retirement and that me saying I wouldn't was me refusing to pay the debt when I was suggesting a payment plan. As it stands there is no resolution because the ONLY option they are giving me is to pay my debt in full with no other options. I have since gone to a financial counselor and they suggested to report this type of contact. It was VERY abrasive and insistent. I've since learned that you can tell them not to call your work which I did and they have stopped, but continue to call my cellphone, but I am hesitant to answer because he was very insistent that I only had ONE option to pay the debt off. I've never dealt with a debt collector like this before and it gave me major anxiety especially since they are giving me no other option. I would like to start paying on the loan via a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2019, I visited my mailbox and discovered a letter from Associated Bank Cardmember Service indicating that I would be required to either respond or use my credit card by XX/XX/2019, in order to have my account kept open. Since I did not receive the letter until the beginning of XXXX, the account had already been closed. 

I called the Cardmember Service line and spoke with a representative, who said the account had been closed on XX/XX/2019. He instructed me to submit a letter to Associated Bank requesting that my account be reopened. I did so. That letter was mailed on XX/XX/2019. 

On XX/XX/2019, I received a letter dated XX/XX/2019 from Associated Bank Cardmember Service indicating that my account had been closed for longer than 30 days and could no longer be reopened. I called Cardmember Service that same day and spoke to a supervisor, XXXX. XXXX said she did not dispute that I had received the initial letter too late to act, nor that I had postmarked my request to reopen the account on XX/XX/XXXX. However, she said, the postal service was not Associated Bank 's responsibility, and therefore, my account would remain closed unless I wished to reapply. 

In summary : 1. Associated Bank sent me a letter asking me to act to preserve my account by XX/XX/2019. I did not receive that letter until XX/XX/2019. 
2. I spoke with an Associated Bank representative on XX/XX/2019, and was advised to send a request to reopen by mail. I did so on XX/XX/2019. My letter explained the situation in full and was dated XX/XX/2019. 
3. I spoke with an Associated Bank supervisor, XXXX, on XX/XX/2019, who did not dispute that I didn't receive sufficient warning to preserve my account, nor that I had requested that my account be reopened within the 30 day deadline. Despite this, she advised me that Associated Bank could not reopen my account and I would have to reapply.

I have made a good faith effort to follow their instructions in order to keep my account open. Closing, reopening, and reapplying for credit cards does damage to my personal credit score. I have been an Associated Bank customer for almost a decade, and I'm shocked that they would let our working relationship end in this terrible way.

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
File # XXXX Good Afternoon, I have been trying to reach someone who can help further investigate why i am being charged loans from 2004. First, the bank i banked with at the time does not exist anymore so i am not able to retract proof of the Paid amounts, which i have tried to explain to NAVIENT. I have asked multiple times, i have sent payments so that NAVIENT could stop sending me to collections, I have asked them to investigate. Some of the accounts do not belong to me at all. Just a big mess. Please further investigate that the information that i am being charged for is actually accurate information. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My family and my self have been going through a very rough Cpl of years for the last 2 years there have been a series of hardships that have occurred that set us behind on our mortgage payments XXXX Husband had had XXXX XXXX XXXX and then I was very sick struggling with serious and XXXX of the XXXX then again hospitalized my husband who had to get a XXXX then XXXX we lost our son and My mother all while in recovery from those surgeries while undergoing all kinds of medical treatment for my serious and XXXX of the XXXX we were being consumed by the debt of not only our medical situation mortgage funeral cost caretakers and all other responsibilities that we have and then XX/XX/XXXX wife went under operation for a XXXX transplant and is currently in XXXX trying to recover and meanwhile our home went into foreclosure and the lender wants and will only accept a reinstatement payment in the amount of {$370000.00} by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
I disputed the balance of a XXXX XXXX on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.

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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
Allied Intl. Credit XXXX keeps calling my home number. No one at this number owes a debt to Allied Intl.  Credit. I emailed Allied Intl. Credit to let them know they have a wrong number and for them to stop calling and I a reply wanting more personal info from me! I need these calls to stop. They have called me 3 times since I received their return email on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. 

I disputed this directly with PDQ. They did not correct the balance in the 30 day window.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX of XXXX I noticed fraudulent activity on a CitiBank account that I did not realize was still open. During discussions on how to handle the fraudulent activity I mentioned that I would like the account to be closed given that I wasn't using it. ( Despite not using it I paid the {$95.00} annual fee in XX/XX/XXXX ). 

I stopped receiving any statements, paper or electronic in XXXX of XXXX so I assumed the account had been closed. In XX/XX/XXXX I received a notice about changes to the card that led me to check and confirm that I had been charged a {$95.00} annual fee in XXXX of XXXX. 

After closing the account online I called and asked about getting a refund for the fee given the prior conversations and cessation of activity. I was refused this request by Citi since I had not called in within 60 days of the charge.

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I obtained from Synchrony Bank the Banana Republic Credit Card on approximately XX/XX/2019. I have been using my account and have already made payments on my account. On Wednesday XX/XX/19 my account was abruptly closed by Synchorny Bank. I contacted the bank and the representatives are unable to provide me any explanation. I spoke with Account Manager XXXX with reference # XXXX. She stated that I must wait 10-14 days to find out why my account was closed with a letter in the mail.

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 2019-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On multiple days I received calls from Navient I was late on my payment due XX/XX/2019. According to my back statement Navient electronically cashed my check # XXXX for {$150.00} on XX/XX/2019. A call to customer service resulted in no assistance and a strong arm approach to make a new payment until the issue could be rectified. According to the rep the check was sent to the wrong address and not applied to my account, he further told me I had received a refund for the amount. Neither statement was true, my loan was paid 15 days early and not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
in XXXX of XXXX, XXXX XXXX sold our Mortgage to Fay servicing. The XXXX payment was sent to XXXX XXXX. XXXX XXXX sent a letter to us advising that Fay servicing was the new lender and the payment was forwarded on to them. Fay servicing is unable, and unwilling to locate that XXXX payment. Starting in XXXX of XXXX, I began trying to work with Fay servicing to get this corrected. I provided them copies of the XXXX letter and front and back copies of the check that was sent for the payment. After 6 months of trying to get this resolved i was informed by Fay servicing that I needed to contact XXXX XXXX  and see how the funds were sent to them and get the conformation information.. Even though we have provided proof that the payment was made, fay servicing is reporting late payments on our credit report. 

After a conference call today with XXXX XXXX  and Fay servicing, Fay servicing stated that the onus is on them to research and locate the payment, and that until chase proves that they payment was sent, they were going to continue to report late payments to my credit score. This is now 7 months or trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
The company wants payments on payday. I gave them my paydates - every other Thursday. For the entire period of the loan they have taken the payment on payday - thursday. Today they took it early causing my bank account to be overdrawn. I tried to contact them and wort it out. They refused and refused to give me contact information for other departments. They never disclosed that they were tribal owned and that my litigation rights would be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I contacted Freedom Debt Relief to sign up for their debt settlement services in XXXX of 2018. They signed me up for services with who was once their sister company, XXXX XXXX XXXX. I was promised, by Freedom Debt Relief, a {$250.00} referral bonus for referring a " friend '' to their services, once that friend completed three months within their program. I referred my fiancee, as we are both struggling financially and looking to get out of credit card debt. 

I've contacted the company repeatedly, but have never received my referral bonus. I started reaching out to them more frequently recently, as my car recently broke down and I was hoping that {$250.00} bonus could assist in repairs. I was told by an XXXX XXXX that my referral bonus was " overlooked '' along with a bunch of others, and that they had corrected and mailed the check out on Monday, XX/XX/XXXX. Today is Wednesday, XX/XX/XXXX and still, no check. My fiancee has been in the program for more than 6 months, meaning this check is more than 3 months overdue. Had I known that this was a false promise and we'd be getting the run around from Freedom Debt Relief, I would have suggested that he enroll in a different debt settlement company. Freedom Debt Relief seems like they prey on people who are financially vulnerable, and once you've signed up, they want nothing to do with you. I can't even speak directly with XXXX XXXX now, as their customer service department tells me they can not talk to me if I don't have an account directly with them. Please be careful when dealing with this company, it seems they will tell you anything to get you off the phone, but will not deliver. It's completely unacceptable that a company of this size can let checks be " overlooked ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
Date of transaction XX/XX/2019 Complaint against USAA Went to get an auto insurance quote. USAA has membership qualifications for military. I went through their qualifications list and was informed I did qualify as a child of a veteran. At no time was there anything that said I was not qualified or would not qualify and I was given a membership number. I had to apply for membership, qualify, fill out all sorts of information, including my social security number and my father 's social security number. After all of this online membership application, plus account set up, I was then redirected to XXXX XXXX car insurance for a quote! The site did not say I wasn't qualified for USAA auto insurance,  just keep redirecting me to the point I thought my browser was hijacked! I called, wasted even more of my time to be asked all sorts of financial and personal information questions and then told " I was not qualified '' for a USAA membership! This is fraud. I am sorry, they get you to sign up, claim you are qualified all to get your contact information and social security number. USAA needs to be stopped. That's just outrageous fraud to obtain someone's social security number plus redirect them to some auto insurance company for assuredly kick back on sales leads.

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 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$140.00}

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 2019-07-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I received an email on XX/XX/XXXX, from USAA stating a change in my credit card term. For the second time in 2 years, USAA lowered my available credit limit dramatically based on what they said was delinquencies on my credit report. Each time, USAA lowered the credit limit to right above what I owed on the line. This made it look like I had maxed out a line of credit, which I had not. On XX/XX/XXXX, I called USAA and spoke with a person named XXXX in their Executive Resolution area. He proceeded to literally argue with me and tell me theres nothing that can be done. After a brief conversation, it became apparent XXXX knew nothing about how credit works and was just there to stonewall me. I pulled my XXXX credit report immediately after this phone call and it showed absolutely no delinquencies. That same evening, I called back to USAA and spoke to an ER rep named XXXX. She said theres nothing that could be done and that they did not have any procedures to assist me any further. Again, another stonewall from USAA. XXXX, however, said I was using complaint language and completed a complaint form. XXXX did not offer to complete a complaint form on the initial call to USAA. Trust me, I was using complaint language on that call as well. I sent USAA a direct message via XXXX and received communication from a person named XXXX XXXX who would investigate further into my situation with USAA. I finally spoke to XXXX today, XX/XX/XXXX. She said that lowering my credit limit was a business decision but never referenced the delinquencies claim about my credit on which USAA originally claimed to have based their decision. In my opinion, USAA can not back up their decision to lower my credit limit and are acting in deception. It was in XX/XX/XXXX in which I canceled my insurance with USAA. Ive had this credit card for over 19 years. I did not start having an issue with USAA with this credit card until I canceled my insurance with them. Not one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one after the company issue anew card # for the same existing account is been reporting to all 3 major credits bureaus for the last two months out the cycle of the statement for the credit card account. I dispute the account last month with capital one and told me is going to fix the problem and did not!!!!!!

Company response to consumer: Closed with explanation