vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: MN

Complaint narrative:
I 've had my loans serviced with Navient since they spun off from  XXXX   XXXX , my original loan provider.     On Sunday,  XXXX / XXXX /  XXXX  , I submitted my monthly payment of {$530.00} for m y 5 l oans. On Monday,  XXXX / XXXX /  XXXX  , I calle d Navient to see about paying extra on one spe  cific loan ( a   service I 've only recently been offere d ). I was told that, yes, I could pay on just one loan, and that all of the money paid would be applied to principal. I was assured this   before, but I 'm re-doubling my efforts to get out of debt, and so I wanted to try again with the new site option to pay down principal on my specific, highest-interest loan.     I paid {$100.00} on this loan on Monday,  XXXX / XXXX /  XXXX  .     Today, Tuesday  XXXX / XXXX /  XXXX  , I log i nto Navient to see how my payment was processed after I see from my bank that both the {$530.00} paym ent submitted on  XXXX  and the {$100.00} submitted on  XXXX  were cleared on  XXXX .     I see that, instead of going fully to principal, they 've applied {$3.00} of the {$100.00} to interest, which a ) is NOT what the representative said, and b ) makes even less sense, as both payments went through on the same day (  XXXX / XXXX /  XXXX   ). If both payments are withdrawn at the same time, it makes no sense that there would be additional interest to pay.     This is flat-out typical of this company, who offered only forbearance with capitalized interest when I could not meet interest-only payments  for two  years after graduation from  XXXX   XXXX   XXXX    ( the  school who steered me towards  XXXX   XXXX , the initial lender ). I 'd attempted to pay additional towards my loans in the past and had the same sort of misrepresentation ; at least now I 'm able to determine which specific loan to pay down first. That option was not available before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: WI

Complaint narrative:
on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  a family member purchased a first Bank  Bond  from the  XXXX   XXXX  Bank. The bond type is  a Bonus Grow Bond and they accepted for deposit the sum of {$500.00} with a 7.5 % interest rate as evidenced by the bank bond issued by t he  XXXX  Branch #  XXXX .     On  XXXX   XXXX ,  XXXX  my mother went to the bank to check the vaule of the bond and found it to be worth {$1100.00}. It is an automatic renewal bond. Sometime after  XXXX ,  XXXX  Bank was purchased by Bank of America. I have tried numerous times to contact BOA and have the bond cashed out but they say they can not find any information on this bond. the physically had the bond in thier possession at the BOA branch located in  XXXX   XXXX , SC and said they do n't know what to do with it. I have researched the sale of  XXXX  t o BOA and know that BOA, at the time of the purchase, assumed all liabilities and accounts. I want my bond cashed out, however they have refused to do so saying they have no record of it because its been longer than 7 y ears ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I was unaware of the debt and I offered settlement as they never notified me of my right to dispute the debt in writing. When I became aware that I could dispute the debt, in which I was just offering settlement to make this go away as the person  at Capstone Credit Services,   XXXX   XXXX  was very degrading, I did just that. I sent them a request to dispute the debt via email on  XXXX   XXXX ,  2017 , and followed up with them as of  XXXX   XXXX ,    2017  to advise them they had failed to send validation to the debt however they continue to report this to my credit report. They are in essence violating the law in the fact that they are reporting an unvalidated/unverified account. I have contacted their office as recent as today and spoke with a  XXXX   XXXX  who advised me to leave her alone and find someone else to both er. ( How unprofessional! )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
I was financing a car with  Heritage Acceptance Corp  in    XXXX   XXXX  .The  company was taking money directly out of my checking accounts every two weeks. I paid on time and never missed a payment. The beginning of   XXXX   XXXX      one of their Acc ounts reps had called and said to me you do n't have that much longer to pay off your loan would you like to pay it off in full? I made arrangements of  two  payments to be taken out in  XXXX  that would calculate to {$850.00}. Now I did n't know me paying off the account in full would leave a derogatory remark on my credit report. I started looking at my credit report in   XXXX   XXXX   XXXX     and I had called and talked to the acco unt manager a nd explained to her that I have a remark of " Derogatory Less than settled amount '' she stated its nothing that she could do. So I decided to take action and have them to dispute this remark and they did n't within th e 30 period. Now they are in violation of the FCRA 623 ( a ) 3 and FDCPA Section ( 225 ILCS425/9.3 )   Attached is all the necessary paperwork you need to review this case. I had been calling them about this problem since   XXXX   XXXX   and nothing has been done until now. At this point they had time to work something out now I can no longer sit around and deal with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY   XXXX , XXXX . I   had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was told that they was sending me to court if I do n't make a payment with in the hour so I hurry up and set up a payment arraignment because I did n't want to deal with that, all this caught me off guard bc I never recieved any notice until that day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
i appli ed two credit cards from CITIBANK web online,    XXXX   accepted my applications and send me cards, i spent both cards amount what they were showing on their online promotion, but i did not get same promotions fro m Citibank, i called them and i went my Citibank branch, i faxed their online promotion offer copy   and i mailed them also.   so far i did not get my bonus offers.   they wa s two sep arate offers ; first card offered ; earn  75000   XXXX  h honors bonus points after making $  XXXX  in purchases within the first 3 months of account opening. ( which i spent more than $  XXXX  but i did not  get 75000 bonus poin ts ) second card offered ; e arn 2  weekend night certificates after $  XXXX  .- in p urchases within the first 4 months of account openin g ( w hich i spent more than $  XXXX  .-, but  i did not get certificates ) please help me  get my 75000 bonus points and 2 night certificates from Citibank which they were publishing on their web page that day i applied both cards, i am sending both copies i printed from Citibank web page.    this is a corruption and cheating from customers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to dispute this with   Equifax   multiple times to no avail.   Equifax   is reporting a  XXXX   XXXX  Foreclosure from  XXXX  is currently  XXXX  days past  XXXX . The home was foreclosed at a  XXXX  balance in  XXXX  which is reflected on the report. It is physically impossible for me to be  Currently  120 days late on a  XXXX  balance, and it shows it was never even 120 days past due on top of it! Based on the FCRA, they need to be accurately presenting my credit which they are not doing.     I escalated with  XXXX   XXXX  who spent a lot of time with me investigating each code they were sending to Equifax and stated they are reporting it correctly and I need to escalate back to Equifax because for some reason they are not mapping it back to my credit report correctly.  XXXX   XXXX  even had 2 physical humans working through the file on my behalf to ensure they were submitting the data correctly back to Equifax.     Equifax is stating all they can do is re-dispute instead of just fixing the status or removing it off the report. Both   XXXX    and  XXXX  have already fixed it on their system, but Equifax refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: MS

Complaint narrative:
This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
It is my fault that my account became in overdrafted  XXXX   XXXX . I lost track of what had and had not been deducted.  The Charges Float and  transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the  $ 200+ in  fees for every specific over draft item on  XXXX   XXXX .     What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to   Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and   transactions do n't appear fo  r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r  equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys.     I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less  than one w eek. I want to cancel my primary checking account.     Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking.     When I receive my next pay-check on Thursday  XXXX   XXXX    XXXX   I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number.     I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the  Retry Pymts requ ests.

Company response to consumer: Closed with explanation