vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Specialized loan servicing has not sent me modification papers to fill out and I don't even think they are the company that has the right to

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 2018-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened my account with Bank of America, the account was approved and I received the account number in the email. When I received the debit card in the mail and tried to activate my card with the company, they company then told me that my account was closed and refused to do business with me. They did not tell me the reason, and I have appealed this to the closure department, as well as to their social media team, but I did not get any answer. I have a great credit report and I think Bank of America is discriminating me. They even say that I would never be able to open an account with the company ever again without giving me a chance to resolve.

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 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, i applied online on the citi bank site for the citi double cashback card..but citi bank improperly used my credit score and pulled it two times one from CBNA and other citibank na.. i don't understand why two score pulls for just one simple application. ..and would like to dispute both the charges. 


Inquiry CBNA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD Bank - credit card Inquiry CITIBANK NA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CITIBANK NA XXXX XXXX XXXXXXXX XXXX XXXX, SD National Credit Card Cos.

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 2018-06-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I was charged fraudulent amounts on XX/XX/XXXX in the amounts of ; {$73.00} - XXXX XXXX XXXX XXXX {$5.00} - XXXX XXXX {$100.00} - XXXX {$26.00} - XXXX {$240.00} - XXXX # XXXX New York {$200.00} - XXXX # XXXX New York {$250.00} - XXXX XXXX XXXXXXXX XXXX {$100.00} - XXXX I reported these fraudulent purchases immediately (XX/XX/XXXX @ XXXX ) and immediately canceled all cards associated with my account and reported cards as lost/stolen On XX/XX/XXXX, I filed a police report with the XXXX Police Department reporting identity theft ( XXXX << REPORT NUMBER ) I submitted this report to netspend immediately via their online reporting function. 

On XX/XX/XXXX I receieved a notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$340.00} OnXX/XX/XXXX I receieved a second notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$550.00} On XX/XX/XXXX I  recieved a notice of resolution from Netspend stating that they found no errors in charges and that they would be crediting OUT the provisional debits by 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 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GMA Investments, LLC
State: TN

Complaint narrative:
Got a call today on XX/XX/2018. Messgage as very vague but it stated someone representing me needed to return the call before a reccomendation was made. The name of the company was never mentioned. The called from.a local XXXX number even though the voicemail left the number XXXX which is XXXX XXXX in XXXX. They called previously and when I called they never stated the company till I asked then said I owed a debt I did not recognize so I asked for a debt verification letter. The lady said she could only email it because it was an electronic transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased the Equifax credit monitoring product to monitor my credit score and to see what was in my credit file. OnXX/XX/XXXX my credit score was XXXX. On XX/XX/XXXX I purchased the Equifax complete premier plan to check my score and it had dropped down to XXXX. I clicked on the tab to see what Equifax said the reason was for my Equifax score dropping from a XXXX on XX/XX/XXXX to a XXXX on XX/XX/XXXX 
This is what Equifax said : Helping your score Your credit score is low enough that you do not have any significant factors that are helping your score. You should read the factors that are hurting your score closely, and make an effort to change any negative behaviors or habits that are hurting your credit score. 
Hurting your score You've opened credit cards recently. ( 1credit card which was on my report last month ) There is insufficient information about mortgage accounts. *The same information is in my Equifax report that has been there for almost 14 years in reference to my mortgage and this note was never in my file. * I feel that this Equifax product is not reporting accurate credit scores! I have had old negative items removed, balance decreases, and positive payment history and my score with this product is not increasing only dropping!!!. I have no collections or public records in my credit file. I believe this product that Equifax is selling to consumers is very deceptive to keep you buying their product especially if you're trying to improve your credit score and credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: HI

Complaint narrative:
EOS CCA / XXXX XXXX XXXX XXXX  has been sending me collection letters for around a year now alleging I owe them {$810.00}. I have sent them numerous letters requesting validation / verification of this supposed debt, starting XX/XX/XXXX up to XX/XX/XXXX. All my written requests sent to them were sent via certified mail with the USPS and I've verified delivery of each letter to them. They are also continually reporting this debt to the credit reporting reporting agencies against me, even though I've clearly disputed it with them. They have ignored every request for validation / verification I've sent thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their seizure. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in XXXX ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late PENNYMAC LOAN SERVIC Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education
State: NV

Complaint narrative:
I borrowed it for 120 months term.I started pay it from XX/XX/XXXX. I have not miss a payment not even once. Mine got sold to some company in XX/XX/XXXX and then again to other company.They changed the payment term from 10 year to15years without my permission or notice or even asking. Still collecting money every month and have significant balance is left.

I borrowed about {$20000.00} in XX/XX/XXXX. They said I still have about {$8000.00} left.

But I checked XXXX XXXX - it said my Balance is about a little bit more than {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: POPULAR BANK
State: NY

Complaint narrative:
I recently opened the online savings account with XXXX XXXX. They were not allowing me to move my money out of the savings account, holding my fund hostage. I then spoke to the representative, who said that it is the customary protocol and the 60 days hold will be lifted when I submit the bank statement verifying the source of the fund is mine. After sending over the paperwork for more than 4 days, I did not get an automatic call back. I then called the company again and the representative mentioned that the company 's fraud department determined that there is red flags exist in my account, and yet no mentioning of what the red flag is, and I have no phone number to appeal and no supervisor is willing to explain to me the problem. Placing a 60 days restrictive hold is unreasonable and unheard of and basically for me to lend the company free money for the 60 days. I would like to agency to investigate this practice as I am in dire need of using the money and I only came across this hold after my money is transferred to the bank account.

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 2018-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-06-08 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I want through a tough divorce in XX/XX/XXXX and lost my job in XX/XX/XXXXand had to start over. I went through some great financial hardship and 2 of my accounts one with capital one and another one with XXXX XXXX credit cards went into collection. Once I got back on my feet I made settlements and paid both accounts based on the settlements with the company. After multiple attempts of good faith and currently being a card member with capital one, it is still showing in my credit report and making it nearly impossible for my score to increase to good credit. I have disputed multiple times with the credit bureaus and have contacted capital one and XXXX XXXX directly for a resolution to no avail. Yes I made a mistake and should have called during the hardship but its been since 3 or 4 years now and I have paid my dues and just trying to improve my life and credit. Please help me get a second chance. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: OK

Complaint narrative:
I have submitted disputes ( with documentation ) about old negative information showing up on my credit report. I submitted the dispute in 2016, and again on XX/XX/XXXX, - Experian refuses to remove it. So today XX/XX/XXXX I once again disputed it. XXXX XXXX  XXXX XXXX provided me documentation showing I paid a loan off, and Experian refuses to remove the negative information. XXXX XXXX says they can not remove it, that its Experians responsibility to remove it.

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 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
I have received calls via an automated dialer every morning this week ( XX/XX/XXXX through XX/XX/XXXX ). On only two of these calls did the dialer ever even address me - one call was silent so long that I hung, on another call, the operator was engaged in another conversation which I could hear half of, and I hung up on her. This morning, the operator I spoke with was exceptionally rude, and she refused to tell me what she was calling about until I provided her with my social security number as identification, which I wasn't about to provide a random unidentified stranger with. Finally, she told me that she was calling from " XXXX XXXX XXXX, '' but was exceptionally rude and refused to even tell me what the call was regarding without my providing information I had no intention of providing a stranger, so I hung up. This is both a cellular phone, and my work line. It don't believe robocalling it, or using it for collection calls is legal. I looked up the company to see if I could utilize email or some other method of communication, but their site requires an account number to contact them that way, and I don't have one. I am not aware of any outstanding debts, but I am happy to review any debt validation information which they can send me through the mail. However, I refuse to provide personal information to some stranger on the telephone just to find out why they're calling me, and I need these calls to stop.

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 2018-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AFNI INC.
State: NJ

Complaint narrative:
AFNI threatened me, stating that if I did not pay {$400.00} that a judgement against me would result in my license being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: National Check Resolution Inc.
State: PA

Complaint narrative:
National Check Resolution Inc. contacted me by phone last year in XX/XX/XXXX and told me I owe money from an account from a loan or credit card company and I told them I will send {$250.00} on XX/XX/XXXX and {$150.00} for 11 months and then {$21.00} for the last payment. When they contacted me I panicked and agreed to it without getting this debt validated. So far I paid over {$800.00} and when I started researching credit articles I saw that if I was unsure that I can request verification and validation of the debt that is being collected. On XX/XX/XXXX I contacted the credit bureaus and ask for them to verify the debt however this company was listed on my credit reports. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX I've asked National Check Resolution to validate the debt and so far they have failed to do so. I also phoned them today and asked them to take {$220.00} to leave me alone and stop deducting money out of my checking account. I spoke with XXXX who said he would ruin my credit and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I applied and got Amex EveryDay Preferred with XXXX bonus reward points after spending XXXX in the first 3 months. I rapidly exceeded spending the XXXX and then a lot more before the 3 months deadline. Then I kept waiting for the XXXX membership rewards points to post on my account. 
On XX/XX/XXXX I contacted American Express via the Chat box. The representative acknowledged that I met the conditions and I qualified to get the XXXX membership rewards. I was told to wait 8-12 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative acknowledged again that I met the conditions and I should be getting the XXXX membership rewards. I was told again to wait 6-8 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative and then a manager both acknowledged again that I met the conditions and I should " soon '' be getting the XXXX membership rewards. I was told to wait another 6-8 weeks for their investigation into the matter to finish. 
In my opinion, American Express not crediting the XXXX bonus membership rewards after 3 inquiries shows either gross incompetence or bad intention.

Company response to consumer: Closed with non-monetary relief