vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of    XXXX   2014   ,    XXXX   2014    90 days past due as of    XXXX   2014    60 days past due as of  XXXX   2014 ,   XXXX    2014  30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
Someone named  XXXX  called from Asset Recovery Associates stating that I needed to call regarding an urgent financial matter.     I have no idea what this could be about but in doing research I found out this company was a major scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I do not have a signed contract with  Ability Recovery Service. I  have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX . I am not responsible for this debt with  Ability Recovery Service .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from  XXXX   XXXX   XXXX  .  that represent the client   XXXX   XXXX   XXXX   XXXX  , charging me for a debt of  XXXX  that is not mine.   The date of the letter is    XXXX   XXXX   ,  2017 , but I just received yesterday and it says the original creditor is BANK OF AMERICA / FIA CARD SERVICES  N.  A.   I never had an account with Bank of America or  FIA Cards  so I don`t know why I am being charged.   I calle d FIA  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.   I also called   XXXX   XXXX   XXXX   .  that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore 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 explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?

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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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 have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

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 2017-07-18 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: GA

Complaint narrative:
I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX    XXXX   {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to collect  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sect ion 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing th e dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the  credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

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 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is  stating that I owe  XXXX   XXXX   XXXX  {$670.00}. This information is false. I have never had a account with  XXXX   XXXX    XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and  Midland Credit Management  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of  the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines.      Midland Credit Management  has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received loan disbursements in  XXXX - XXXX  from Navient to go to school in the amount of {$14000.00}. I deferred payment for a few years upon graduation. When I started repaying my loans back in   XXXX   Navient charged me over {$5000.00} in capitalized interest. This brought the balance of my loan to {$19000.00}. Since making monthly payments on my loans starting in  XXXX  I have paid in excess of over $ 8000-9000. My balance has never gone down below {$19000.00}. It has consistently stayed at or around {$19000.00} for the last 6 years. In  XXXX  of   XXXX   ( not by choice ) my loans were transferred over to  XXXX  ; The amount transferred to   XXXX   was {$19000.00}. This means that in 6 years the {$8000.00} + that I paid to Navient only {$390.00} was actually applied to the principal balance of my loan! At this rate I will die before I can ever pay off my loans. It will literally take 495 years to pay off this loan. Can someone please investigate if Navient over charged me and will I get the amount paid, applied to the balance of my student loan or will I be reimbursed for overpayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In  XXXX     2017 I  talked to a customer service rep at Navient concerning a rate reduction plan payment plan. He advised me that I only had to pay {$170.00} a month for 15 months. So I set up a recurring payment plan with them so that they could take it off of my card on the  XXXX  of every month. I even received a letter stating the payment amount and confirmed it. I got a call today   XXXX /2017  saying that I have to pay  XXXX  a month and I told them that i was told another amount and they said the representative had given me the wrong information and I was like I should not have to suffer because of that error. That was a big error on their behalf. I think it is not fair and I think that I should not have to pay that high amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is continuing to collect on a debt that was a result of identity theft but recently when I sent a formal dispute by mail they verified it as accurate. I contacted customer care and spoke with  XXXX . She admitted that she could n't help me with this account because it was sold to a law firm called  XXXX   XXXX   XXXX   XXXX . If that 's the case how can they continue to verify it as accurate with the credit bureaus and continue to currently report the debt under their company name on all  XXXX  bureaus.this is a violation of the FDCPA. They must remove their name from my credit report because they and the law firm ca n't collect on the same debt at the same time for an old  XXXX  debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Airline ticket was purchased for two adults in  XXXX    XXXX   on   XXXX   XXXX    2016 . The tickets were then cancelled with the airline according to their policy on  XXXX   XXXX  2016. AS per airline policy, each ticket was separately cancelled, but was purchased as  one  transaction. I received credit for  ONE  cancellation and the other ticket was NEVER refunded.  XXXX   XXXX   (  and have sent confirmation emails ) stating that  Ticket No  :  XXXX   XXXX  was was refunded via  Refund Request No  :  XXXX .     A dispute was filed with Citibank (  XXXX   )  promptly on the original purchase, as that was the only way to file the dispute for a missing transaction in their systems. During the course of this dispute, Citibank cites emirates as saying the ticket number was invalid. I have send copied of the ticket and the emails from emirates and have also independently confirmed with  XXXX   XXXX  at the  XXXX  office in  XXXX  (  XXXX  Xtn :  XXXX   )  that it is indeed a valid ticket and shows as reissued.     Citibank closed the dispute saying I do not owe a refund citing the SAME original letter they sent me in  XXXX , for which I had given all the necessary documents to show that the ticket was indeed valid. I do not believe that the merchant was contacted with the updated information provided to them in  XXXX , but the dispute was closed with a charge to me in  XXXX . I could not reach anyone that can talk to me on this matter as further attempts to reach out to Citibank was not returned / answered.     This is matter has taken several hours of my time, and I have been hung up on the phone with citibank multiple times. The last time,  XXXX   XXXX  in Billing disputes said she accidentally hung up and was on another call when another customer service agent asked for her. She promised to call me back within a few minutes on   XXXX  /2017 at  XXXX  and I am still waiting for that call back. I believe I have exploited all options in dealing directly with Citibank and need assistance in resolving this dispute in a fair manner. In the mean time, I have had to pay the balance and I believe that is extremely unreasonable for citibank to expect from me.     Thank you,  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 monetary relief
Consumer complaint received 2017-07-18 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have a private student loan with Navient ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to Navient.
About 2 years ago this loan was sold (? ) to  XXXX  who now services my loan. I came to an agreement with  XXXX  that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.
I have contacted   XXXX   and Navient and explained that since I am making payments to  XXXX , who is servicing the loan for Navient, I do not believe it should be reported that I am missing a payment every month to Navient.
Navient wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.
Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.
Thank you   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I contact the original creditor "   XXXX   XXXX   '' via telephone on  XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies (  XXXX ,   XXXX   and  XXXX  ) would occur. This payment was processed on the  XXXX / XXXX /2017 and I contacted   XXXX   XXXX   on  XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager   XXXX   XXXX   confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections.
All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to   XXXX   XXXX   on  XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved.
Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: OK

Complaint narrative:
I have been a victim of the inquiry glitch that happened at Transunion. I called the customer service to complain and have them remove those negative inquiries affecting my  credit score , but they would not help.

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