vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I sat through a XXXX timeshare presentation where I was informed I could utilize a Barclay credit card as a down payment towards a timeshare. I initially declined the offer because of possible high interest rates. The sale rep stated that the card would have a low interest rate due to the company working hand in hand with the credit card company, I later found out the companies are one in the same. The sales rep proceeded to run the credit of both my friend and I and returned stating " You both fall into our tier XXXX category '' which he explained was great credit tier and the interest rates would be low. A few minutes later, he returned and handed us our forms which stated otherwise, what we did n't know is that he had already charged the cards. When questioned about the interest rates being so high, 25.99 %, he stated, well you do n't have to utilize the card. The card had already been charged towards the down payment on the timeshare. I have since disputed the {$8500.00} paid to XXXX XXXX for a timeshare in which I have not been able to use due to lack of availability and they are refusing to refund me my money or handle the issue with the credit card. I would have never opted to purchase the timeshare nor credit card, if it were n't for the misleading and false advertisement, the deceptive information provided and the bait and switch tactics used by XXXX and it 's employees.

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 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened my BMO account on XX/XX/XXXX with a promotion for {$200.00} after making two direct deposits greater than {$300.00} within 90 days. This was completed by XX/XX/XXXX, but I have not seen the {$200.00} applied to my account. 

Initially contact BMO Harris on XX/XX/XXXX and was told the account would be evaluated after 120 days of being opened, and then the bonus applied within 10 business days. 

I then again contacted BMO Harris XX/XX/XXXX, and was told the bonus would be applied within 10 business days. It is now 11 business days without any bonus being applied or further communication from BMO Harris.

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX My checking account with Navy Federal Credit Union was negative {$89.00} and I had several transactions pending, which I knew would cause several overdraft fees if left as is. That day, I checked my account balance several times throughout the day to make sure the pending transactions were not yet released. So that evening around XXXX I believe I made a CASH deposit of {$90.00} via branch ATM and I was then at a positive balance of XXXX cents. I have the receipt to prove it. Next day I check my account and find they XXXX hit my account for {$60.00} in overdrafts, with additional overdrafts to come due to the negative balance now. Cash deposits are instantly credited, and I had the money in before the pending transactions cleared. The bank simply blew me off, stating the transactions had already processed but I dispute this and my receipt is proof. And the fact it was a Monday, I know nothing happened over the weekend. I also made a deposit with a negative balance and have that receipt as well to prove what it looks like to deposit to an already overdrawn account, as they tried to say it was the first time around. I spoke to the branch XXXX I think her name was XXXX XXXX. And she could n't explain why my receipt shows a positive balance before and after cash deposit, when their argument was the overdrafts were already assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I am writing in reference to our auto loan that was bought by this company in XXXX XXXX from a local buy here pay here dealer. We were told that the terms of the contract would remain the same and it was just a transfer. Our loan terms indicate that we make a payment on the XXXX and the XXXX of each month in the amount of {$140.00} ; however XXXX calls us every other week claiming a payment is due. From XXXX to the present date of XXXX XXXX, XXXX we have received over 30 collection calls from them as well as written correspondence. These calls were not warranted and have no merit based on our original contract signed by us. I have called midatlantic twice to request a copy of our terms and contract and was told that it 's the same as whatever I signed with the dealer but they still have not provided me with a copy. The only information we received was them informing us that they bought our loan. If in fact the contract is the same then we should only have payments due on the XXXX and the XXXX and not every other week as they are saying in their collection calls. Additionally we had a 10 day grace period to make payments without any penalty but this has not been honored as their system is not accurately showing our payment due dates. This is predatory and harassing to repeatedly call customers before the payment due date and every single day following. My most recent collection call was received today XXXX/XXXX/XXXX, one day before the payment is due and this has been going on for months now. When I tried to explain to the rep my concern he stated their system was not showing payments were on the XXXX and XXXX and he would get a supervisor to review it. When we purchased from the previous dealer it was with the intent of doing business locally and having the ease of going to an office to make a payment on the XXXX and the XXXX in the amount of {$140.00} ; however with Midatlantic there are not any local offices and in order to pay by convenience there is always a fee associated, ie. XXXX XXXX, XXXX XXXX or credit card payments. They all are attached with additional fees so our payments now range from {$150.00} with a online credit card payment to {$160.00} using XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Every time I apply for something I get denied and I do n't have a credit score, but I had one before now I do n't have one.I do n't know what happened and I feel like someone is using my identity.

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 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
XXXX is reporting on my credit report a collection account that is not mine and/or invalid. The Representative from XXXX harassed me numerous times and threatened to ruin my credit by reporting this account to my credit if I dont pay, even after I explained to her it wasnt mine. 
It seems they are following through with their threat. After my previous complaint they stopped contacting me but still reported this to my credit report. 
I would like XXXX to remove negative reporting from my credit report immediately ; also I would like to be Included in any legal action CFPB XXXX take against XXXX now or in the Future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX claimed they will remove the late payment once the debt was paid. As i paid the debt consumer never removed and claimed this is something they do not do. I told consumer to replay the tapes as there agent claimed he would remove such and consumer said they will and never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Numerous calls at home and work from Diversified Consultants in reference to a Debt from XXXX. Numerous complaints against XXXX have already been submitted and closed. Debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XXXX XXXX, I received an email from XXXX that Convergent XXXX has been added to my credit report. According to the email, they are trying to collect a debt from XXXX XXXX.I have never had a XXXX account and feel that this is an incorrect information being reported on my credit report. XXXX XXXX is not listed on the Florida Office of Financial Regulation. Unfortunately under the Department of Business and Regulation, Convergent XXXX is listed as an electrical company not a debt collection agency. I have mailed in multiple letters asking that this information be validated and/or verified and they have not responded. Now they have reopened this account and listed is a late payments from XXXX XXXX, but have the account reported as open in XXXX XXXX.

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 2017-08-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian Has a false or unknown social security # on my account and will not block or remove it

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 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I had a XXXX in XXXX of XXXX and have XXXX XXXX XXXX XXXX XXXX through the state of XXXX which is XXXX of the best insurances in the state. I paid my copay of {$150.00} BEFORE the procedure and everything else was covered. I never saw a bill and found this on my credit a few years ago. I have tried to dispute this many times and I always get a " it is your debt '' back. No one is questioning that. I am saying I do NOT owe it bc I already PAID it. I have disputed it with both XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TX

Complaint narrative:
I made several payments on my student loans ( I have five loans- all of which I pay monthly ) which are not being reflected on Navient 's account summary. A few of the payments are showing directed to XXXX DL Consolidated and XXXX DL Consolidated when in fact the payment should be showing on the XXXX and XXXX  Consolidation loans. I have called Navient and asked about this issue but no one seems to know what is going on or why the system is showing the payments allocated to different loans other than what I directed. Navient also confirmed that they show I made the payments and allocated to the correct loans however they were not being reflected as such. 

Even more troubling has been a payment that I made on XXXX ( withdrawn from my checking account on XXXX ). I made a {$330.00} payment ( as confirmed through my bank statement ) but Navient is only showing a {$170.00} credit applied on XXXX ( also shown on their system )! Where is the rest of my payment and why was it not applied correctly or on the correct date? From my understanding, Navient charges daily interest so it is interesting that my payment is processed 7 days after it is withdrawn from my account, thus accruing 7 days more interest. On top of that the amount is much less than I paid. 

This is my second CFPB complaint against Navient as I have had trouble with my account since the beginning. Please assist me in correcting their systematic errors ( which always seem to be in their favor ) and mistreatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: FL

Complaint narrative:
I have requested Experian, on numerous occasions, to update and correct my credit report. Experian has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX XXXX # XXXX XXXX that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX 2017. He can be reached at XXXX.

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