vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. 
Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my 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 2018-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Manhattan Beach Venture, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX or XXXX is a third-party collection agency specializing in student loan debt. XXXX has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as using inappropriate communication tactics and making threats. 

XXXX violations that include illegal disclosure of information, failure to verify debts, improper communication tactics, and making threats. 

XXXXs failure to establish recurring authorization of electronic funds transfer before payments are taken from bank accounts violates the EFTA. A second charge attempted to establish XXXXs liability for violating the FDCPAs provisions against unfair or unconscionable means to collect or attempt to collect any debt. 

debt collector attempts to collect more than you allowed for settlements debt collectors attempt to intimidate you Criminal accusations are being made Use of obscene language during an attempt to collect such as cursing Automated robocalls are being made to your phone in an attempt to collect without prior consent for dialer calls to cell phone. 

Phone messages are not being returned in 24 hours.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX reduced my credit limit in XX/XX/2018 from {$500.00} to {$400.00} without any prior notification and my balance was below the 30 % usage and payments were made on time. I called them when I realized what had happened and they claimed because of my credit history which makes no sense if my payments were being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: WI

Complaint narrative:
I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2018-12-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello Friend, About a week ago XXXX  XXXX  sent me an email indicating that my Credit Score from the 3 major Credit Bureaus ( Trans-Union, XXXX and XXXX  ) was very good at XXXX. 

A couple of days ago I checked my XXXX XXXX account and I was surprised, confused andvery, very unhappy! 

I discovered that my credit score had been lowered by 42 points. Something nefarious is going on when a credit score is dramatically reduced virtually overnight!

Today I spoke withTrans-Union representative without a profound answeras to why my credit score was reduced by 42 points inside of a week!

Over the past 2 - 3 years I've worked very hard to improve my score, and I was making steady positive progress in consistently paying my debts and making on-time payments every month!

Can you provide me with some clarity as to why my credit score has been suddenly and dramatically reduced by 42 points? 

I can be reached by email at XXXX, or by phone at XXXX. 

I thank you in advance for your kind consideration and quick response. 

To Your Brilliant Health, XXXX 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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Respected Sir/Madam, I AM requesting to help Me in the situation of My mortgage. 
The mortgage is on My primary home which provides shelter to 6 people including My two old parents. 
I have been XXXX XXXX  costumer for years, On XX/XX/XXXX i got a letter from XXXX XXXX XXXX., in mail that my mortgage is being trasferred to a XXXX XXXX XXXX XXXX XXXX, with a wrong principal balance.so i thought it was a scam. 
I was really surprised as XXXX XXXX had never notified Me, I called XXXX and the REPSENTATIVE HAD NO CLUE WHAT I WAS TALKING. AS SHE COULD NOT FIND ANYTHING.SO I ASKED TO SPEAK TO A SUPERVISOR AFTER SEARCHING FOR LONG HE WAS ABLE TO TELL ME YES MY MORTGAGE WAS TRANSFERRED, UPON ASKING WHY WAS NOT NOTIFIED HE SAID WE ARE GOING TO SEND LETTER THE OTHER MORTGAGE COMPANY RUSHED TO SEND IT. I INQUIRED ABOUT MY MORTGAGE NUMBER WITH NEW COMPANY AND THEIR PHONE NUMBER HE GAVE ME THE INFO. WHEN I CALLED THAT NUMBER THEY SAID THEY HAD NO INFO ABOUT THIS MORTGAGE. 
THEN I RECEIVED ANOTHER LETTER DATED XX/XX/XXXX BY THE NEW MORTGAGE COMPANY STATING THAT THE PREVIOUS NOTIFICATION MAILED HAD WRONG BALANCE INFO.IT ALSO STATED .THE ASSIGNMENT SALE OR TRANSFER OF YOUR MORTGAGE LOAN DOES NOT EFFECT ANY TERM OR CONDITION OF YOUR MORTGAGE. 
ON XX/XX/XXXX I GOT LETTER FROM XXXX ABOUT THE TRANSFER OF THE SERVING OF MORTGAGE, IN BETWEEN EVERY TIME I CALLED SELECT PORTFOLIO COMPANT THEY SAID THEY HAVE NO INFO ON MY MORTGAGE AS TRANSFER IS NOT DONE 100 PERCENT, I WAS ALSO BEEN TOLD THAT I WILL RECEIVE A PACAKGE ABOUT MY MORTGAGE PAPER WORK WHICH I HAVE NOT RECEIVED IN TODAYS DATE. 

oN XX/XX/XXXX FINALLY I WAS ABLE TO LOG IN THE SYSTEM AND CREATE AN ACCOUNT WITH NEW MORTGAGE COMPANY, UPON REVEIWING I SAW MY AMORTIZATION SCHDUELE DATE WAS WRONG FROM WHAT XXXX ACCORDING TO XXXX I SHOULD BE DONE IN XX/XX/XXXX .AND THEY ARE SHOWING AS MY DATE AS XX/XX/XXXX. SO I CALLED AGAIN, THE LADY SAID SHE CAN NOT DO ANYTHING I NEED TO SEND PAPER WORK TO THEIR FLORIDA OFFICE. ALSO THAT THEY CAN NOT DO BIWEEKLY LIKE XXXX XXXX. WHERE IT CLEARLY STATED THAT MY TERMS WILL NOT CHANGE FROM MY OLD MORTGAGE. 
I REALLY NEED HELP, IF POSSIBLE IF I CAN GET IN TO HARP AND MAKE MY TERM SHORTER I HAVE NEVER BEEN LATE IN MY PAYMENT. I AM XXXX YEARS OLD I CAN NOT CARRY MY MORTGAGE FOR SO LONG I WOULD LIKE TO PAYOFF MY HOME SOON. PLEASE HELP ME. 
THANKYOU. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor

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 2018-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nathan & Nathan, P.C.
State: AL

Complaint narrative:
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at Nathan and Nathan, PC - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or Nathan and Nathan, PC. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.

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 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. 
My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In XX/XX/2018 I entered into a mortgage contract with XXXX, they are located in XXXX, PA. On XX/XX/2018, XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX  . I was not informed of the sale until the end of XX/XX/2018. My XX/XX/XXXX mortgage payment of {$260.00} was already on it's way to XXXX by the time I received notification that Shellpoint was the new mortgage servicing company. XXXX received and kept the {$260.00} instead of giving it to Shellpoint. Shellpoint has called me constantly about the XX/XX/XXXX payment. I have provided Shellpoint with solid proof that I made the payment to XXXX  who received and kept the payment. I called XXXX and asked them why they didn't send the payment to Shellpoint and I was told it was being processed and would be sent to the appropriate people soon. At this time Shellpoint is now harassing me for the payment that XXXX stole from them. My name and phone number has be placed in their robotic debt collection system. 

I have explained to every person at Shellpoint who calls me that I am not delinquent in my payments and that proof has been provided that the XX/XX/XXXX payment of {$260.00} was sent to and kept by XXXX. 


I should not be harassed for a theft committed by someone else. Shellpoint should call XXXX not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: AL

Complaint narrative:
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at XXXX XXXX  XXXX, XXXX  - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX  XXXX, XXXX. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Im making payments as agreed to capital one. XXXX a month. Long story short ... Im struggling with my health and taking care of parents. Theyll get their money when I die but Ive been making payments religiously as agreed. They stopped sending statements couple months ago. They rejected my XX/XX/XXXX money order stating no account number. My handwriting is not good. I alway place sticker with complete account number. It was missing she returned to the bank. I feel they did this o purpose to drag me to court for more money. Im tired of the games. I pay every month. Even when they dont send statement and its never reported in my credit report with any debt collectors. Please make them send me a statement as agreed. Im replacign money order XXXX XX/XX/XXXX. With money order XXXX XX/XX/XXXX. Mailing XX/XX/XXXX. Please help me. Im tired. I wish I could pay it all but I just cant. Im sorry XXXX XXXX

Company response to consumer: Closed with explanation