vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I was contacted by Sunrise Credit by a young lady name XXXX XXXX regarding an XXXX XXXX XXXX bill that was owing. I know that the debt was mine and accurate and wanted to settle it. From the beginning I told her that I wanted to take care of it so that the negative information would not hit my credit report. I gave her my debit card info XXXX it is linked to my checking account ). My purse was stolen which carried my debit card in it. It was a mess for me, having to order replacement cards, social security cards for me and my children, license etc. that I forgot to call Sunrise. XXXX called me back and informed me that my payment was declined. I told her the above situation and she stated that she would call me back, I told her to call me Tuesday XXXX because I would have my new card by then. Well the morning of XX/XX/XXXX, I was alerted that negative information was added to my credit report. When I checked, it was from Sunrise. I was never told that it would be on my report if I had an arrangement. I immediately call Sunrise and the lady that I spoke to told me that it would not be removed as the arrangements were voided. I am confused a sa consumer because I spoke to XXXX XXXX time within the same week, keeping her aware of the situation about my card and she never mentioned the negative reporting. Had I known this I simply could have provided my checking account information. This company has scammed me and refuse to right the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
National credit Adjuster is dept collection agency. I had a credit with XXXX XXXX that I could not make payment to, so my account was charge off and sold to them. They have been calling and attempted to collect this debt. Two mothers ago they talked me into a setttlment, which I agreed to and they convince me to make a post dated online transfer to make payments. I gave them my bank number my account information. But after careful consideration I called them back and cancelled the post dated transaction. Which they agreed to and they even sent me a confirmation letter on XXXX XXXX XXXX. But on XXXX XXXX they sent me another letter stating they have accepted my offer to settle the my dept. Which I never replied because I had cancel the agreement. On XXXX XXXX with out my authorization they went into my back acount and took money XXXX dollars. To my understanding is a RI law and federal law that collectors can not post date a transaction with out my knowledge. I called them and they stated I made a authorization on XXXX XXXX, which never happened. And also they never called me for my authorization. I want my money back. Because of that my son can not go to daycare this week and had to cut back on a lot things. Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance. 

Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I initiated a wire transfer in the amount of {$10000.00} on XXXX XXXX at XXXX PST. Funds were to be available in my a count within the same business day. 

It has been 3 business days and I have not received the funds. Attempts to contact the company via email support, XXXX, and even messaging an executive via XXXX have gone ignored. 

The confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The homeowner submitted a loss mitigation package to Bank of America, N.A. on XX/XX/XXXX, 2017. Bank of America, N.A. immediately denied the homeowner for loss mitigation stating that there was an issue with the loan that prevented a complete loss mitigation review. Bank of America, N.A. stated the client had to fax a letter to them requesting information on the issue and how to resolve it. The homeowner did that, and Bank of America, N.A. has still refused to provide any information to the homeowner to resolve the issue and to allow the loss mitigation review to move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Focus Holding Company
State: FL

Complaint narrative:
requested debt validation and was hung up on and threaten to never be able to get a job and live poor. 

Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have asked Navient multiple times due to my situation I ca n't physically afford to even pay my own bills let alone having child support being paid out repaying on my school loans I 've asked multiple times can we do something to have no more than {$100.00} a month I understand I have to pay it back I am understanding that it needs a certain amount but when I can not physically afford to even pay my own bills it 's very difficult to add another let 's say {$250.00} being paid out on muonth. I need help I need a really low payment and direction XXXX wo n't lower it even more I understand there 's certain guidelines but when the bar is on able to pay and physically not able to pay this amount due to hardships it makes it hard to be able to pay everything that the borrower wants to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller. 

When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues. 

Contacted Santander to request that the check being issued to the dealer was stopped. 

The check was sent anyway - after the request to stop the process. The title was send directly to me. 

I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required. 

During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process. 

I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system. 

I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history. 

I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due. 

I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message. 

In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service. 
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: BTH Management
State: NC

Complaint narrative:
For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: DC

Complaint narrative:
I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.

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