vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
XX/XX/208, American Express bluebird til {$44.00} from my account. Labeled as XXXX American Express. I called them and was told it was a computer glitch that double charged me. I was also told it happened to other prepaid users, blue bird and serve card. 

Every day I call, get told oh we know about it and it will be fixed in 24 hours, if not call us back. Every day for 5 days now. 

They are aware of their own computer system taking consumers money illegally and not refunding it. 

Escalated to countless supervisors and still no money back in my account. They were never authorized to take the amount nor hold it. Best I can hope for is to get it back, in the meantime, that money was to go to bills, food and gas which has put a dent in my day to living.

I am tired of calling and being on hold for over an hour just to be hung up on or hear the agent laughing with their co workers and no addressing the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one is displaying a credit card on my credit report for over {$1800.00} this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX XXXX and I am facing an issue with Bank of America since XX/XX/2018. 
A friend of mine ( XXXX XXXX XXXX XXXX ) owed me {$520.00} and he planned to send the funds through his XXXX account ( via mobile XXXX app ) back on XX/XX/2018. 
I received a text message from Bank of America on XX/XX/2018 at XXXX XXXX EST saying that the {$520.00} will be credited soon to my account.with the confirmation # XXXX ( screen shot attached ) Since then I have not received even a single penny with respect to this transaction. when i spoke with the Bank of America aka BOFA they said that the ball is not in their court and advised me to go to the chase bank. similarly, when I went to the XXXX XXXX   they recommended me to go to BOFA. 
I suspect that it is on BOFA and they were not able to locate my funds. BOFA told me that as he ( my friend ) sent it through XXXX using my phone number that I should register with XXXX using my phone number. Surprisingly when I tried to register with XXXX through the phone number it says that " I have already been registered using Phone number ''. ( Image attached ) As per the banking rule, the funds go back to the sender after 2 weeks if the transaction is not successful. In my case, the sender have not got back his funds either. ( attached Sender 's bank statements that there has been a deduction of {$520.00} and sender has not received the money back which means the transaction did go through. ) Also i have attached my BOFA statements to depict that I did not get my money.

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 2018-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit
State: CA

Complaint narrative:
premier auto credit has continued to report incorrectly on my credit for almost 6 months now. The mail i have sent to them regarding my alleged debt has been returned multiple times. This means the address listed on my credit report is incorrect and HAS to be deleted by law. I have tried to contact XXXX and XXXX regarding this matter and they haven't responded either. I have proof and the undelivered letter that i received back when i sent a letter to the address reported on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged 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 2018-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
My mother and I applied for a mortgage loan in XXXX. The mortgage company we applied to was XXXX XXXX XXXX. In the beginning, we would receive a statement from XXXX XXXXXXXX XXXX for the amount due each month. The company was acquired and transitioned to Nationstar Mortgage Company in XXXX. 

After the transition, we no longer received any paper statements. We were not notified as to the reason for this paperless transition. We had to call the Nationstar Mortgage Company ( aka Mr. Cooper ) for the amount due every month. We only started  receiving notices via email from Nationstar Mortgage Company the year XXXX notifying us of payment amounts due by certain dates in order to avoid a late charge. With this being the only information we had, we sent checks for the requested amount every month prior to the due date. This year, we discovered that weve been charged late fees every month since the transition started in XXXX. 

With no statements provided nor any notice that explained all of the charges, we were charged thousands of dollars in late and hidden fees over the years. Nationstar Mortgage Company has failed to  provide us with any notice of our mortgage balance. We were charged late and hidden fees without notice even when we paid the requested amount provided by the emails. With limited balance information from Nationstar Mortgage Company and due to our language barrier, we did not discover the hidden fees until we downloaded the Nationstar app recommended by our accountant.

After multiple attempts to get in contact with Nationstar Mortgage Company, we were finally provided copies of all the statements ( see attached for all hidden and late fees ). We scanned and  attached copies of the statements that were mailed to us on XX/XX/XXXX. Weve also provided a copy of one of the emails that we received from Nationstar Mortgage Company in regard to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 A payment of {$500.00} was made on this account. The payment posted and the funds were available. Typically, if a payment is made from an account other than my capital one savings, the payment and funds take a few days to clear. This being the typical process, it was safe to conclude that the payment submitted in XX/XX/2018 cleared. Throughout the month, I used the card as usual. I took a cash advance and made in store transactions. 
On XX/XX/2018, I noticed that Capital one allowed for this payment to be reversed. I am unsure as to why. As to their own policy of making funds available AFTER funds from payments are verified I am unsure why this is happening. The payment on this account was in full and intentional. the information used to submit the payment match my account. 
With the reversal, my account is showing 200 % usage which is inaccurate and unfair. 
Payment for XX/XX/2018 was in full and on time. I was never contacted regarding any inefficiencies with my XX/XX/2018 payment.

I want that reversal removed and my account balance to reflect the balance for the purchases and cash advance that occurred in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for. 
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are. 
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's. 
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do. 
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid. 
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services. 
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan number is XXXX my interest rate is 7 % I have a mortgage payment with Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX phone number XXXX, I am current with my mortgage and on XX/XX/2018 I wanted to pay more to my principal and Escrow to pay more off and their pay buy the internet website does not allow you to pay XXXX to XXXX dollars extra it automatically gives you a message that reads " You can not make this payment due to a balance! '' well thats what im trying to do. I believe this company does this on purpose so they can charge you more interest on the whole balance which is a terrible practice. I also called on XX/XX/2018 to ask if i can buy a point down to lower my interest and they say they don't do this. I want to be able to pay extra on my account like pay on my principal and escrow and be able to buy my interest down if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
My wife received a bill from American Adjustment Bureau , Inc dated XX/XX/2018 sating she owed money to XXXXXXXX XXXX. XXXX XXXX. The contact person is XXXX XXXX but the email goes to a XXXX. I can never reach anyone at the phone number, it always goes to voice mail and their letter says to email or text.On XX/XX/XXXX I sent an email and received a replay the next day stating I would receive a copy of the bill showing the amount owed.On XX/XX/XXXX I received a bill that clearly shows a {$0.00} balance and doesn't even show the amount that is supposedly owed. I sent another email after not being able to reach anyone by phone and got back an email 4 days later ( XX/XX/XXXX ) saying I received an itemized bill and we owe the balance shown on the collection agency 's bill. I sent another email requesting the correct information, including actual date of service, actual billed amount, insurance payments applied, etc. Silence, no reply or anything. On XX/XX/XXXX I sent another email requesting either the information I requested be provided or they stop all collections against my wife. I also contacted the Hospital in question and after multiple attempts I was able to determine that there is no outstanding debt owed to them and this bill is not valid. The woman ( XXXX I believe ) said she would contact the collection agency to try and resolve this for me. As of today ( XX/XX/XXXX ) The collection agency website still shoes a balance due and they have filled a collection on her credit report. This needs to be corrected and the company needs to respond to my attempts to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My husband died XX/XX/XXXX. Per advice to notify all businesses/utilities, bank accounts, etc., about his death, I called Citi XXXX to tell them my husband had died. They told me his name was on our credit card as primary and the card would have to be cancelled as of XXXX. 
I was surprised to hear that - we had been married for 48 years, and had a credit rating of XXXX. They gave me no alternative. Our balance on the XX/XX/XXXX statement was {$76.00}. I had made a {$20.00} payment on XX/XX/XXXX. I expected to get a statement from Citi showing my balance and final statement, since they told me they had to cancel the account. 
Instead, I received a letter, not from Citi, but from XXXX XXXX addressed to the Estate of my husband, asking me to call them, and telling me the amount due was {$100.00} by XX/XX/XXXX. He does not have " an estate ''. The letter they sent had in bold print the following : You personally are not required to pay any of the debts of the Estate. 

I called Citi and talked to three different people and each one of them put me in touch with others at Citi ( and XXXX XXXX ) - all pretending to be helpful, but all of the referrals were a dead end with no one to speak to, with the exception of XXXX. I told City they needed to send me a statement as to the amount due and they have not done that. I do not want my good Credit rating to be damaged and having a collector to receive the money would do that. I told Citi to bill me and I would pay them, but they cut me off. 
I was shocked to be treated in that manner. If I had known this was their policy, I would not have informed them of my husband 's death.

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 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I used my checking account with Chase Bank on XX/XX/2018 at approximately XXXX to transfer {$40.00} via XXXX XXXX XXXXXXXX XXXX to a party named XXXX XXXX. The money was sent as a payment for tickets and soon as the money was sent the seller disconnected his phone prior to sending the tickets. I contacted Chase immediately and was told they could do nothing and the payment was already completed, however, it stills shows pending in my account. I was advised by a supervisor, XXXX and a manager, XXXX that I should seek outside council. They were unable to advise me of what outside council t seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I've disputed incorrect address to credit karma in XX/XX/2018, as well as to XXXX on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
To be honest I really want to sue Navient. I feel that the XXXX  school I attended lied to me.They pushed the idea that they had job placement and that after graduation i would get a high paying career and I believed that I would have no problem paying these loans back. I feel that I was preyed upon by these lenders just because I wanted to get a higher education. When it got difficult for me financially they tried pushing deferment or forbearance, without really explaining the consequences if I choose this option. I eventually leaned that all this did was increase my debt and compound my interest exponentially to an amount I did not expect. Every available option on the table to repay this hasnt really worked for me. I am asked to pay {$570.00} a month but due to my inability to pay as they see fit now the monthly payments are as much as {$4000.00} a month which I dont have. 

I will also like to state that these lenders or banks are committing fraud against the public if what I learned is true. It seems that the Banks don't lend money. They buy your promissory note i.e. security. They are in the business of purchasing securities not lending, according to modern money mechanics. So if a promissory note is viewed a negotiable instrument meaning that it is used as money and sold for the value listed thereof to other fanatical institutions it is fraudulent because we are led to believe that we owe our lender money when in fact they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX I HAVE CONTINUED TO WRITE AND COMPLAIN ABOUT FRAUDULENT ACCOUNTS AND ADDRESSES REAPPEARING OR NEVER SIMPLY BEING REMOVED FROM MY REPORT LIKE EQUIFAX SAID THEY WHERE GOING TO REMOVE THE INFORMATION AND I WILL CONTINUE TO COMPLAIN UNTIL THEY GET IT CORRECT.

Company response to consumer: Closed with non-monetary relief