vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything in the mail from them. XX/XX/XXXX XXXX XXXX XXXX, XXXX - {$230.00} XX/XX/XXXX XXXX - {$76.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, WA, XXXX - {$150.00}

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 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Debt Holdings, LLC
State: IL

Complaint narrative:
Today I was called on my cell phone twice by a woman named XXXX XXXX. This lady tells me she is calling me about a claim she wants to serve. I asked her what she was talking about and she said she just wanted to verify my address so she can come confront me. I hung up to call the police as I felt threatened. She then calls my job and tells my employee ( I 'm a XXXX XXXX ) that there is a claim that I have outstanding and she wants to verify the address. I called the number they left. They literally refused to give any information about themselves except to say they are XXXX XXXX. They flat out said they are not a collection agency. They refused an address ( physical or post office box ). They refused any information about corporate. They said XXXX is a " locator '' but they do n't know for which company. I finally figured out what the call is for. It 's a collection agency over a loan I forgot to pay on. I called the original creditor. They said all United Debt Holders ( a collection agency ) at XXXX. I called there. They stated that XXXX XXXX is in fact a collection agency. I advised them they violated the FDCPA and I 'm filing a complaint. 

I will pay this bill but I wo n't give out my financial details to someone who refuses to provide me any verifying details. I want them disciplined for their illegal actions. Then, I will pay this debt.

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 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My husband and I own a few small commercial properties, one which is a 6 unit property which has a mortgage from Capital One. The property has 1 commercial unit for which Capital One insisted on reviewing the lease in case of change of tenant. The lease is expiring next year in XX/XX/XXXX and in preparation for that we ensured that we put a tenant in place with a new use in XX/XX/XXXX. In order for us to do that we had to get the bank to agree and review the lease. After about 8 months of conversations with the bank during which time they were reviewing the lease, and placing additional restrictions on us operating our XXXX XXXX, they gave us a final ultimatum - agree to all the conditions that the bank wants or they will not approve the lease. There was no negotiating with the bank, they took 8 months and served us a bill for {$4500.00} for legal review. This puts our livelihood in danger as the legal bills are a very significant portion of our annual income from this property. We have never had these kind of issues with any mortgage provider for any of our properties and have gone 4 times through similar processes over the last 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : 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 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The number XXXX XXXX XXXX called me from the financial institution CHASE saying that I had a credit card issued in my name from XX/XX/XXXX with a balance of $ XXXX-XXXX ( I do n't remember the exact amount ). I never checked out a card from them or been to a CHASE, there is n't even one near me. A little bit of research online has led me to believe that they are Scammers, but I am unsure how to go about it. 

They 've called me Mon XX/XX/XXXX and twice today on Fri XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been requesting verification of the following accounts that XXXX continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. XXXX listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to XXXX with same old script, " your account has been verified via XXXX ''. No record of any inquiry from XXXX or mode of verification from XXXX XXXX showing on my XXXX XXXX credit 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 2017-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX 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 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I attempted to make a balance transfer from my American Express Blue Credit Card to a new credit card of {$12000.00}. On XXXX/XXXX/XXXX the payment was declined due to insufficient funds on the new credit card. We proceeded to call the new credit card company to figure out why this happened, and received an explanation that they charged too much for their balance transfer and that put it past the limit. 
I called American Express as soon as we had an explanation, and described to the billing representative what had happened and that we were good to proceed. After describing having to use a check from the new credit card company for the balance transfer, the billing representative said I could take care of it over the phone or online and just to give him the checking and routing number, which I did. 
Two days later my payment was again declined, so I attempted online and again it was declined. We than called American Express to find out what was going on, and was told we should have never been asked for the checking and routing number over the phone because the check submitted was a business credit card check, which was communicated to the billing representative on our phone conversation. 
I have now been charged multiple declined payment fees, and my 0 % APR American Express has jumped to 30 % APR, which has resulted in nearly {$500.00} in fees, and no balance transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have purchased XXXX XXXX, garage floor coating thru Wells Fargo Bank. There is a warning inside box instructing not to use where direct sunlight will be an exposure. I am unable to give a date guaranteed to beXX/XX/XXXX of this year nor guaranteed to be a certain amount. There are about 20 purchases since XX/XX/XXXX 2016 by visa. The shelf price indicated XXXX dollars, was misled by it and purchased not knowing it. The sunlight is in the closed garage when the door is open. Now when reading instructions, I do not want to use the coating ... I called first the ftc hot line for cfpb reference. Can you help my credit dispute. Will someone show XXXX XXXX is to be removed from public access, or show why it is actually a safe product. It is at my house in the original box. Recycle trash says no hazardous materials.

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 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had or have an account with Capital One, a 360 Checking Account, account number XXXX, which had a balance of {$1400.00} as of XXXX/XXXX/17. I have called Capital One and emailed them in an effort to close my account, but Capital One has refused to close my account and has refused to pay me my balance. Further, Capital One closed my online access, and has refused to reinstate my online access so that I can get this account properly closed. I have lost the use of my money, and I have been cut off from access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written three previous times about an account on my credit file that has been inaccurately reporting and still reporting. According to the FCRA you are required to verify this information yet you have not verified it and you are still reporting this damaging information. You keep saying it 's correct and it 's mine so inform me on WHO verified it. I want the name and number of the person of verified this information on my account.This is becoming very distasteful that your company would allow something so damaging to remain on someone 's report. I 'm unable to obtain credit due to your inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Card opened between XXXX XXXX XXXX and XXXX XXXX XXXX. 

Company name- CBNA/SEARS I had gotten a notification on my phone that I had a new credit inquiry. I know I have n't applied for anything because I and trying to rebuild my credit! I checked the inquiry and did not recognize the name of the company and know that I do not shop at sears! Looked for a phone number to the company but could not located one via the internet. I just want this off my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI MORTGAGE HAS SEND ME A LETTER STATED THAT THE MORTGAGE HAS BEEN REPORTED ACCURATELY. IT SEEMD AS OD XXXX2017 > NO MORTGAGE HAS BEEN REPORTED AT ALL. SO IT SEEMS WE ARE FACING THE SAME ISSUE WE HAVE SINCE DAY 1. 2+ YEARS OF NO MORTGAGE HISTORY.
CITI > ACCT XXXX > ADDRESS > XXXX XXXX XXXX XXXX > XXXX > TX > 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 2017-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened on XX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.

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