vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under XXXX XXXX in XX/XX/XXXX. XXXX XXXX online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet foster and garbus says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to foster and garbus shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: FL

Complaint narrative:
I have disputed this account mutiple times do to fraud I have sent my FTC affidavit form in and still the credit breau have not removed the accounts thats fraud they told me to send in my FTC form and I did and still havent remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I am enrolled in PSLF program and FedLoan has miscalculation and overestimated the number of payments that I need to make in order to be granted loan forgiveness. I called over 10+ times to FedLoans to have them re-count my payments and update my payoff date. After 2+ years and a CFPB complaint later, they finally re-counted by payments and the count is still off. I have called them again to recount my number of payments but again they say it will take several months to years. My payoff date should be XX/XX/2022. Your assistance is much appreciated. The customer service reps are not helpful. Nothing ever changes no matter how many times I call. I know the correct date because I had them mail me all of my payment paperwork and prior pay off dates listed 3-4 years ago were correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to Zelle. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX XXXX has said they will not offer fraud protection on this bank backed payment app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Every month they add a very high interest I contacted the bank in XX/XX/XXXX & asked about the whole balance I owe & was told its {$20000.00} and since then every month I have a problem with them I stopped paying for couple of months so they fix this & then nothing had happened. Since XX/XX/XXXX I pay on time this month after I paid on the due date I found out they say I havent paid on time and they added another interest charge, when I called them they insist that I havent paid on the due date. I reached to nothing with them. When I checked my payment history I saw that interest fluctuates from month to month with big differences some times increases & some times decreases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a eBanking checking account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I do not go use BOA branches and access the account online only. And in past 7 years, I didn't receive any maintenance fee charge for this account. 

But when I checked my statement yesterday, I found I had been charged { {$12.00} } maintenance fee since XX/XX/XXXX, and had been charged 17 times, { {$200.00} } in total, resulting a negative {$13.00} balance in my account. So I called the customer service to figure out what happened on XX/XX/XXXX. Then both the agent and his manager told me, on XX/XX/XXXX, BOA converted the free eBanking checking account to Core Checking, and customers would be charged for { {$12.00} } maintenance fee unless they meet certain criteria which were not required for the previous product ( eBanking checking ). They can not refund me the charged fees and closed my accounts. 

I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular monthly statements, online only, the one in XX/XX/XXXX. Finally when I opened this month 's statement, it is on the last two pages ( page5-6 ) and comes after a blank page. The regular statement is 4 pages every month, and in color, but this 'Important message ' is in the last two pages, in black white only. 

This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits, and sell customers the service that apparently does not suit their needs, it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many monthly statements, especially given the fact that this information is attached after a blank page which is usually the ending page of all other monthly statements. The agent told me all the eBanking customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this eBanking account conversion.

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 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent multiple letters out to the XXXX, transunion, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to transunion, XXXX, and XXXX and they are still reporting inaccurately. This has not been fixed

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 2019-08-28 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: FL

Complaint narrative:
I contact Experian and dispute this account mutiple times and nothing hasnt been resolve someone file got mix with mines

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 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under midland funding in XXXX. Midland funding online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet XXXX XXXX XXXX says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to XXXX XXXX XXXX shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MO

Complaint narrative:
I went to freedom debt relief after paying my credit cards half on my cards and even paying some in full only to find out my estrand husband ran all my credit cards up behind my back so i reach out to freedom debt relief was in program 21 months they took XXXX dollars from me only to find out they had done nothing but. took my money my check started get garnish i started getting judgements now im about to be homless

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of identity theft and I believe the perpetrator ( s ) began making the fraudulent charges on my Bank of America account ending XXXX in or around XX/XX/XXXX, which is evidenced by even a cursory review of the credit history for this account. The specific charges in dispute include the amount of XXXX on XX/XX/XXXX and in the amount of XXXX on XX/XX/XXXX, and accrued interest and fees associated with the same ; these charges were unauthorized charges on my account resulting from identity theft. I filled out the paperwork required by Bank of America for such occurrences and mailed it in on XX/XX/XXXX. BofA did not conduct an adequate investigation and mailed me letters dated XX/XX/XXXX and XX/XX/XXXX before even receiving my sworn statement. A fraudulent check was also cashed on this account as part of the same identity theft in XX/XX/XXXX for XXXX, which I also disputed and which was resolved in my favor by BofA, claim # XXXX ( or XXXX ). It makes no sense that only 1of the fraudulent charges was properly handled but the other two were not. I spoke with BofA 's representatives by phone about the identity theft and fraudulent charges in XX/XX/XXXX as well. I provided the police report file number to BofA. I wanted to arbitrate this dispute and requested a copy of the credit card agreement in XX/XX/XXXX so that I would know where to send my demand for arbitration. BofA never sent it to me and instead sent me a letter requesting more information about the disputed charges.

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 2019-08-28 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: PA

Complaint narrative:
I sent multiple letters out to the XXXX, XXXX, and equifax disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, XXXX, and equifax and they are still reporting inaccurately. This has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: PA

Complaint narrative:
I sent multiple letters out to the experian, XXXX, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, experian, and XXXX and they are still reporting inaccurately. This has not been fixed

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 2019-08-28 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: IL

Complaint narrative:
I've never filed for bankruptcy in my life!!! This is not mine and it's preventing me from acquiring credit and everything else. Please remove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was charged two amounts of {$200.00} by United Air which should not have been charged. Additionally, foreign transaction fees of {$6.00} per transaction was charged. I called to request a refund of fees and a credit and the service agent was not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've never filed for bankruptcy in my life!!! This is not mine and it's preventing me from acquiring credit and everything else. Please remove!!

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 2019-08-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX XXXX claims {$2100.00}, and the account is unknown and was not validated. 
XXXX XXXX XXXX claims {$170.00} account is unknown, and was not validated XXXX XXXX claims {$830.00} and the account is unknown, and was not validated

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 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts. 
Second letter was my credit line account has been terminated ... 
I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit. 
I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ... 
Only Deposit I have on this checking account are my direct deposit from my employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc.
State: OH

Complaint narrative:
In XX/XX/2019, I purchased a XXXX  molecular hydrogen water machine from XXXX XXXX as I was approved to be member of a case study which they failed to honor ( not my main concern ). My concern is when I learned that the machine wasn't performing at advertized specifications of 6ppm of molecular hydrogen verses the 1.5ppm as I tested personally with a titration technique. I contacted them with no reply for weeks. The device, also began later to emit a foul order which is indicative of mold. I contacted the company again and the CEO XXXX XXXX answered, he basically wasn't concerned and told me I'm wrong. I'm a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I'm well aware of how to maintain a water system and how to conduct a titration method to determine levels of an analyte. The system isn't safe. XXXX promised that quarterly service would be conducted which is completely false as well as I've learned from a social media group that I've recently joined. No filter replacements nor UV lamps are offered through the company website, which no water filtration system can be viable long-term without either replacements. I'm well aware numerous others have filed a complaint against XXXX or UCFS through this office so I'm basically following suit. I'm requesting XXXX accept a return of the XXXX XXXX system and return the loan they brokered through United Consumer Financial Services. I received a letter however from the lender today date XX/XX/XXXX instructing me to not attempt a return of the device to the manufacture ( XXXX ) as this well not relieve me of the financial obligations. I don't understand why I can't return the machine and attempt to have XXXX return the borrowed amount. The reason I'm reaching out requesting assistance is, I do not have the financial means to absorb a XXXX dollar loss of a machine that is probably refurbished ( not new as advertised which explains how it became moldy in less than 90 days of possessing it ). If the device was under {$500.00} then I wouldn't expend the energy but I'm responsible for a loan of XXXX, that XXXX arranged for a poorly made machine. I greatly appreciate the assistance of this office. I'm understandably upset with UCFS the lender, I've never encountered such a situation. If they wish to take possession of this non-functional machine, I'll gladly pursue that option but I don't wish to make payments on a device that isn't functional. On an additional note a suit has been filed against XXXX by another lender XXXX XXXX ( another financial institution XXXX used ) in the state of Georgia. My desire is that UCFS follow that course not harass it's XXXX victims. 

My sincere thanks in advance XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I returned the car back with the keys and everything they are still telling me because of I didnt finish paying the car off im going to owe more than they are selling for can you guys please help me

Company response to consumer: Closed with explanation