vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I received a call at XXXX on my way to work on a past due XXXX credit card that was issued through Comenity Bank and of course that upset as I was driving to work. so in haste I told them that the XXXX account was included in a chapter XXXX bankruptcy. so they noted that on the account. I went to use my XXXX account also issued through Comenity Bank and was told that the account ca n't be used because I was in a bankruptcy and once they hear the word bankruptcy they no longer allow charges. I was informed by my attorney as long as I kept making payments on the cards I used be able to use them and they are telling me something different. Comenity statement that once they hear the word bankruptcy they cut off access to using the accounts is not accurate as all my comenity accounts were opened when I was in a chapter XXXX. This includes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's and XXXX XXXX. I would like access to use these accounts or if they are not going to allow them stop sending statements and write it off as bad debt. they are quick to cut off access to borrower from using card but still send statements and still hit borrowers with late fees. you ca n't have both the borrower paying the card ( whether it 's late or not ) and late fees but not give them any advantage to paying them off. I owe this company a total of less than {$400.00} and have paid on the cards even after the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: KY

Complaint narrative:
Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My daughter ( XXXX XXXX ) passed on XXXX XXXX, 2017. She had a checking account at a Chase Bank where her stepfather ( XXXX XXXX XXXX ) is the manager. XXXX XXXX stated on her Death Certificte that he is the " father '' ( under the box that requests the Informant to state the realtionship with the deceased. Right after XXXX 's death, XXXX XXXX proceeded to close the account withuot notifying me, but under the mother 's blessing. I have contacted Chase, and informed them of the situation, but they said that they will not get back to me with this matter. I tried contacting XXXX XXXX and his wife, but they do not answer my calls. I know I have to go to surrogate court to obtain the information on the account. I still believe XXXX XXXX should not be alloweed to close accounts when he has personal interests in them. The fact that he stated on the Death Certificate a lie is a major red flag, and he used this to close the account scott-free. Banks are founded on trust, and this man is not trustworthy. He should not be commissioned to manage people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I have filed the complaint with you around XX/XX/XXXX, 2016 about Affiliate Computer Services ( ACS ) for which XXXX XXXX XXXX is an administrator. CFPB complaint Case # : XXXX. In response to my case, you sent me a letter ( XX/XX/XXXX, 2016 ) saying that XXXX XXXX evaluated my loan history and they would reduce my interest rate. It said that XXXX XXXX had permanently reduced my interest rate margin to 2 %. and it further said that reducing interest margin would effect of reducing my monthly payment about {$50.00}.
<P/>
Not only XXXX XXXX DID NOTHING ABOUT REDUCING MY PAYMENT BUT IT INCREASED IT TO $ XXXX Monthy. IT IS ABOUT {$10.00} more I used to pay. I called them three times to discuss my case. NOBODY COULD DO NOTHING AND REPRESENTATIVES FROM AFFILIATED COMPUTER SERVICES ( ACS ) KEPT SAYING THEIR COMPUTERS WERE DOWN AND ASKED ME TO CALL LATER!!!!. I DON '' T HAVE A TIME TO CALL LATER BECAUSE I NEED TO WORK TO PAY MY BILLS. I AM FURIOUS, AND I WANT TO TAKE A LAWER TO RESOLVE THIS PROBLEM. I HAVE NEVER DEALT WITH SUCH DISRESPECTFUL AND IGNORANT COMPANY AS AFFILIATED COMPUTER SERVICES ( ACS ). THEIR BEHAVIOR IS UNACCEPLATBLE. I HAVE BEEN PAYING MY LOANS AROUND 8 YEARS AND THE BALANCE REMAINS THE SAME. CAN YOU HELP ME TO FIND SOMEONE A LAWER TO RESOLVE THAT PROBLEM?. MY CASE WAS FILED On XX/XX/XXXX, 2016. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. CFPB COMPLAINT CASE # : XXXX. My email is XXXX. Phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: AL

Complaint narrative:
SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN   XXXX  . AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION  XXXX   XXXX    XXXX   XXXX    XXXX . THE NAME USE IS  XXXX   XXXX  A FEMALE WHICH I DO KNOW A  XXXX   XXXX . I AM  XXXX   XXXX .  ( MALE ) I P ROVIDED  XXXX  WITH A POLICE REPORT DATED  XXXX  16  WHERE I FILED WITH  XXXX  POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY  XXXX   XXXX   XXXX  PROVIDED  XXXX  WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE  XXXX   XXXX   XXXX  UNTIL AROUND  XXXX /2016 / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME.  XXXX  IS STILL REFUSING TO REMOVE. I CONTACT CREDIT SYSTEMS (    XXXX   XXXX   )  AND THEY ADVISED ME TO DISPUTE WITH   XXXX   FOR REMOVAL.   XXXX   DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO  XXXX . SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO   XXXX  . I NEED HELP WITH THIS MATTER.

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 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.

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 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On  XXXX / XXXX / 17  I deposited a check at the  Chase  atm in my town and recieved notice dated  XXXX / XXXX /   17  that the paying bank could not find the checking account number and that the amount would be subtracted from my account & that I would be charged a {$12.00} returned-check fee. When I went into the bank they told me the problem was that the copy of the check was not good, so that the other bank could not read the numbers properly. I asked for the check back so that I could hand it in to the bank & was told that I could not have it. They told me to contact the person that wrote the check, which is not an option for me. I called the phone number listed on the noti ce mulitple times (  speaking with  XXXX  for  48 min utes and  XXXX  at my branch  - Chase would not give me their last names ) and was told they could not contact the other bank again, that I could not have the orginal check back & that I should contact the check writer. I can plainly see from the notice that the computer read the account number wrong. Since I deposited this check in a Chase atm and Chase is my bank, it should be their responsibility to either depost the check correctly, or give me the check back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I tried to add a " co-lessee '' named  XXXX   XXXX  to my loan and the  Mercedez-Benz Financial Services  denied such an opportunity. I was told that my co-lessee does not have a long enough credit history to obtain such loan. I think this is a non-sense. The bank should be very interested in adding a co-leaser because a co-lessee means is a secondary person. If  XXXX  forbid I default my co-lessee would be a secondary person who Bank could recover money from. With that being said, I will  ask Consumer Protection Agency t o intervene and ask why there are such discriminatory practices against a " co-lessee '' because the Bank has nothing to lose. I want the Bank to add co-lessee, or I will have no choice, but I will return the car back to dealer and I will dispute the charges assessed through the New  York City Civil c ourt.   Additionally, my potential co-lessee is a sucessful business, who had businesses in  XXXX  and  XXXX .It 's a shame tha t Maercedes-Benz denies h im to be a co-lessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Richard J. Boudreau & Associates, LLC
State: IL

Complaint narrative:
On Wednesday,  XXXX   XXXX  at approximately  XXXX , I received a phone call from a gentleman claiming to be from  XXXX   XXXX   XXXX  stating that they had a summons that they needed to serve me for a lawsuit and asking the best way to reach me at my job. I explained that I was not aware of any pending lawsuit and that if I am to be served the police would know that process. He then explained that he could give me the information from the attorney for the plaintiff and I could contact them to possible place a hold on being served at my workplace and the embarrassment that would come f rom that. He stated that this " servicing '' was to go out soon so they would only be able to hold it for 24 h ours while I contacted the company. I took the information for a  Richard J. Boudreau & Assoicates, LLC., a p hone number of  XXXX  and a case number of  XXXX .   I contacted this law firm and spoke with a  XXXX   XXXX . He stated that there was a case brought against me for breach of contract and check fraud and another claim i can not recall from their client. I asked who the client was that I owed money to. He stated that the original creditor is a company called "   XXXX   XXXX   XXXX   '' and I entered into contract with them in  XXXX  of  2014 . I stated that I didnt recall and asked for additional information in regards to this case and asked if this   XXXX   XXXX   XXXX   company was their client. He stated he didnt have any additional information but that I could contact them and he would tell their legal department to place a hold on my case fo r 24  hours. The following day, they contacted on my work phone and spoke with an associate of mine and told her that myself or my attorney needs to return their call. I returned the call, asking for  XXXX   XXXX  and let him know I would be recording our phone call. At that point, I asked if I could receive the spelling of his firm and address. He then became extremely aggressive and began yelling at me refusing to answer any of my questions. This went on for a while until he hung up on me. I again called and asked for the address and correct spelling of this firm. Again, he became angry and aggressive and yelled at me. I looked through my personal voicemail log and heard a number of messages where this company never informed me that they were attempting to collect a debt but that they had a legal matter they needed to discuss with me. I want them to stop contacting me at my workplace and provide the proof of debt and information I requested.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Regional Adjustment Bureau, Incorporated
State: PA

Complaint narrative:
I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}

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 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my ATM card and while I was on vacation in XXXX XXXX some used my card and made several ATM withdrawals and make a lot of purchases in the USA while i was still vacationing in XXXX.
The fraud took place from XX/XX/XXXX thoughXX/XX/XXXX.
ATM withdrawal {$160.00} date XX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal XXXX date XX/XX/XXXX ATM withdrawal XXXX dateXX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal {$330.00} dateXX/XX/XXXX ATM withdrawal {$400.00} date XX/XX/XXXX Purchase XXXX {$44.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$120.00} dateXX/XX/XXXXPurchase-XXXX XXXX XXXX XXXX XXXX {$290.00} store # XXXX dateXX/XX/XXXX Purchase XXXX XXXX XXXX {$300.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$720.00} date XX/XX/XXXX Purchase XXXX {$820.00} XXXX XXXX date XX/XX/XXXX Purchase XXXX XXXX {$850.00} store # XXXX XXXX XXXX date XX/XX/XXXXPurchase XXXX {$1000.00} XXXX XXXX XXXX XXXX dateXX/XX/XXXXPurchase XXXX XXXX {$11.00} date XX/XX/XXXX Purchase XXXX XXXX  {$26.00} dateXX/XX/XXXX Purchase XXXX XXXX {$44.00} store # XXXX XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX {$94.00} date XX/XX/XXXXPurchase {$880.00} XXXX XXXX XXXX XXXX date XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
On  X/XX/2017    I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as  XXXX   XXXX  and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system.  <P/> " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * ''   XXXX   XXXX   XXXX   The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ).   When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an  XXXX   XXXX  and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau.   <P/> Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This complaint is against Convergent Outsourcing , Inc, says credit is XXXX XXXX XXXX client account # XXXX - convergent acct # XXXX says owe {$1400.00}. I do not owe this, I have had issues in past years with my common name even at my dental office pulled wrong chart. There are 4 people in my town alone with same name. I for this reason froze my credit reports years ago and have not opened any credit card accounts. I have copies which I request yearly from credit bureaus this is not my debit. I get tired of trying to prove who I am that was another reason for credit card freeze. I wrote them letter XX/XX/XXXX, 2017 and all that did was make them send me another collection notice on XX/XX/XXXX, 2017. I have advised them I have contact credit bureaus possible identity theft and Federal trade commission.

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 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: ND

Complaint narrative:
The company CCS XXXX ( as appears on my caller I.D . ) calls my number repeatedly. Their number is XXXX. I looked on line as to who they may be and they are a debt collection agency. I have no debt I owe to anyone or any debts released in bankruptcy. I personally have great credit. In short, why are they calling me? My guess is they have a collection with someone with the same surname or close to the same spelling in North Dakota and continue to call my number to pry for information. Here is a list of the dates and times they have called from XX/XX/XXXX to XXXX XXXX, 2017. They have called numerous times before as well but this list is only after I started keeping track : XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation