vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reported some information to Experian that I felt was misrepresented in my credit filing, specifically past liens for payroll and unemployment that were not for late payments, but rather failure to report, due to the State of MI not processing my address change. They wre immediately released when I supplied documentation and no payment was ever required. I also reported XXXX fraudulent billings on very small medical bills and a couple of errors. Experian made notations, but no corrections and arbitrarily and capriciously LOWERED by score with them from XXXX down to XXXX. My scores with XXXX and XXXX remain at XXXX. I found out only when I lowered XXXX visa card from XXXX to XXXX and put my twins starting college on it, and then attempted to raise my XXXX visa from XXXX to XXXX, as I have to carry that XXXX since I like XXXX. I found out it was Experian data that resulted in the denial and I find their lack of understanding of state liens and their general vindictiveness very troubling.

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 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent. 
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.

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 2017-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.

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 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have/had a loan with Citizens One Bank, XXXX, RI, Loan Number XXXX. This loan was procured for me by XXXX of XXXX, New York when I purchased my vehicle from them in XX/XX/XXXX. The loan was for a XXXX. This is one of the diesel cars that XXXX claimed was a fuel efficient vehicle and which was proved not to be and there is a large claim and settlement for this fraud on the part of XXXX. I sold my car back to XXXX on XX/XX/XXXX and I have a letter stating that, as part of my settlement, XXXX will pay Citizens One the entire balance of my loan which at the time of the filing of the claim was {$19000.00}. XXXX did indeed pay the loan on XX/XX/XXXX, and I was told by Citizens One, when I called them to confirm the payoff, that XXXX paid more than the amount due. They were going to issue a check to me for the overdue payment. I received my lien release letter on XX/XX/XXXX, but no check was included with the letter. When I called to ask about the check, Citizens One informed me that the money sent to pay off the loan had been reversed but could give no explanation. I contacted XXXX numerous times and finally on XX/XX/XXXX, and they could not give me an explanation either, only to say it would take 10 days to get me an explanation. I did n't have 10 days because Citizens One expected me to pay the upcoming loan payment on XX/XX/XXXX even though I no longer own the car. I will be filing a separate complaint about XXXX but Citizens One refused to take any documentation from me for the proof of the responsibility for this loan payoff and XXXX and Citizens One are not speaking to each other, even though I have given XXXX the contact numbers and Citizens One refused to take any information from me. A loan dept supervisor named XXXX very nastily told me that Citizens One does n't care what happened to the car, that I am the owner of the loan, and that payment was due and my credit would be adversely affected. Yesterday, I received two conflicting letters from Citizens One. One letter claiming my loan was paid off and the other letter sending me a copy of the check XXXX sent to them which was returned because XXXX apparently put a stop payment on the check. Today, I tried calling all the numbers I could find for Citizens One and their automated phone service would not respond to any of the prompts. I tried each number 2-3 times and the computer generated prompts just kept repeating the prompt numbers, press 1 for ... .etc. No matter what prompt I pressed, the message just kept playing. I have a letter from XXXX stating they will pay off my loan and now the loan is in arrears because XXXX has completely screwed up this whole transaction. I would really appreciate an intervention by any party that can assist me with getting these two entities to talk to each other and stop jerking me around. I also need that loan paid off ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 've been a loyal Capital One cardholder, on and off, for very close to XXXX years. I was very surprised and upset when I recently discovered that all XXXX of my active capital one credit card accounts were placed on restriction by the capital one fraud dept. After speaking to a fraud supervisor, I was informed that unless I provide the drivers license and social security cards for all authorized users that I have ever added on my accounts from their inception ( Spanning Over 6 years ) including those that have been DELETED from my accounts, My existing accounts will remain restricted. This was really a death blow to me as many of the authorized users I 've added in the past are no longer in my life and have since moved on. And as for the more recent users It would feel really odd asking them for this information way after the fact, especially being that I was never made aware that this was a requirement of Capital One. If I would have been made aware of this require beforehand, I would have gladly obliged, so I 'm really not sure what I possibly could 've done wrong. I followed ALL of the written policies provided to me by Capital One when it comes to adding new users to my account, and I am fully aware and take full responsibility for the purchases that would be made on my account by an authorized user, so I ca n't understand why I 'm being penalized and treated like a fraudster? I have never been late in over 6 years or missed a payment so why this happening to me is really insulting. 

Over six years of adding and removing authorized users, Capital One has never once asked me for identification documents from authorized users up front, or during the period in which they were on my account. I followed all the guidelines concerning adding and deleting authorized users found in the capital one customer agreement. So again this is really baffling and I do n't understand why I 'm being punished. The revised customer agreement indicates that they " may '' require certain information of the authorized users, and they " may '' limit " their '' ability to use the account. It says limit " their ability '' not my mine. I am ok with Capital One obtaining information beforehand when adding users, but in my case I was never told ANYTHING. Instead I was blind sided with a restricted account that is now causing me more harm than good. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. 

To add insult to this injury I have yet to receive a straight answer from them on why this information is needed. I was informed this ca n't be " discussed with the account holder ''. I was under the impression this is MY account, and if the problem was that SERIOUS, I should have the right to know. After being loyal to Capital One for so long, and being a responsible cardholder, I would hope they will reconsider their actions and un-restrict my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Syndicated Office Systems is violating Federal Law, the F.C.R.A. by attempting to extort monies/payment from me ( XXXX ). I have NEVER signed ANY agreement, or documentation with them, and do n't know who their organization is! 
Furthermore, in claiming this erroneous suppose debt they have violated Federal Law ( F.C.R.A. ) bt NOT providing the original document signed with them ( Syndicated Office Systems ) that they are claiming is attributed to the debt, nor even any amount of the debt to include interest, and fees associated with this attempted extortion. 
Until the above mentioned is provided this erroneous collection extortion attempt needs to be IMMEDIATELY removed from 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 2017-03-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I used my Bank Of America CC last XXXX for paying my tax bill. I did the check that gave me 0 % interest, I proceeded to go on line and setup and automatic bill paying. from there I do not know what went wrong, whether I put the wrong date in or the system did. So the bill is due on the XXXX of each month XXXX XXXX and my scheduled payment goes in on the XXXX. I have never seen a notice come to me either by email or by US mail that I was considered late. They continued to charge me a late fee of {$37.00}. ea month until today XXXX/XXXX/XXXX as I received my email indicating my bill is due the XXXX. So I went in and reviewed it, it looked like my auto pay was on, then I looked at the pdf of the monthly statement : late fee XXXX payment XXXX. So I called the number on my statement explained not sure why this was setup this way and please credit back the late fee 's that have totaled {$330.00}. I escolated it to a manager as the person could not assist, he only credited one month. I asked why is it that I have never been notified I was late on a payment, he pretty much said it was my responsibility to pay on time..I am not happy that Bof A has taken no steps to contact me since LAST year on this, ,I 'm not sure what to do now to get my late fee 's credited back. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.

Company response to consumer: Closed with explanation