vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I tried to put my card down for my payments and it went through then I went to XXXX to see my grandma for a month and the card was not saved and the payments were made. I call navient and I get a machine and I tell the robot send me to customer service and it doesnt. Navient calls me and I get a representive they say they will send me things about lowering my payment or that I qualify to make zero payments but they never do. This is very frustrating because they are ruining my credit and i dont have any money I am looking for a job and i only have money for food.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I had bankruptcy in XXXX. I applied for Fortiva credit card in XXXX, The card line is XXXX. I wanted to repair my credit, First they were charging mi late fees because my payment was not going through. They were telling me my XX/XX/XXXX account was not stored properly. They could've let me know right away but they did not. It took few months. I wrote to the CEO of the company on XXXX and the issue got resolved. Now my minimum payment went up around XXXX a month on XXXX credit limit. The credit card is charging 31 % a year plus {$12.00} monthly fee. XXXX X 12 months is another XXXX a year. In conclusion they charging 45 % a year. How we suppose to get out of debt and build our credit if we are facing fraudulent companies like this one. The manager helping me was XXXX # XXXX XXXX very rude and unprofessional. Every time I called I get a person that is hard to understand with no understanding and compassion. Please see the statement attached. I talked to 3 people on chat, one person on the phone and one manager XXXX. No one could explain why I was charged XXXX on this statement, And why my payment is being higher each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Someone has been opening bank account without my knowledge or consent alot of bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: UT

Complaint narrative:
SN Mortgage Servicing ( SN ) claims that we owe a second mortgage with a balance of {$47000.00} ( see attached ). I have advised that we never owed money direct to SN servicing and asked them to prove up the validity of the debt via QWR ( see attached ). SN has refused to respond to the QWR, even after we have made two separate requests. This fraudulent mortgage claim was previously serviced by XXXX   XXXX XXXX ( XXXX ). XXXX refused to verify to validate the debt, which led the case into litigation. XXXX transferred the alleged debt to SN to avoid he consequences of litigation. Since all of my debts have been discharged through a XXXX XXXX XXXX case, XXXX is trying to elude problems with the BK court as well. SN is in violation of the FDCPA, RESPA and HUD law, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
This is in relation of the case which was just closed with Bank of America. I believe that Bank of America has submitted fabricated information to the CFPB and has taken advantage of the death of XXXX XXXX to take money out of my checking account. They never told me that I needed to set up more payments after a specific date. Furthermore, when the payments stopped, I assumed the debt was payed off, as would anyone else. In the attached screenshot from the information Bank of America submitted, the underlined text shows the information that Bank of America has fabricated. This is not the first time they did this. Bank of America has been caught in deceptive marketing tactics, https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ and this action has forced Bank of America to pay out over {$720.00} XXXX in relief to affected clients. Bank of America is back to its old practices again. I feel I need to be compensated with damages. I plan pursue this further. I am in contact with my congressman and I am also planning to contact media and attorneys who were involved in suites against Bank of America. I am not letting this issue go until Bank of America either compensates me in damages, returns the funds or is forced to close its doors. On top of that, I find it shameful that a bank would take advantage of the hardship of its clients. When I noticed there were insufficient funds, I had called Bank of America and went out of my way to deposit money in the account and that the could redebit my account. They never did. I also explained that my mother ( XXXX XXXX ) was ill and I was caring for her so I could not work as before. Then the nerve of Bank of America to default on XX/XX/2019, the day I was burying XXXX XXXX, who passed away on XX/XX/2019. This is a terrible and cowardly thing Bank of America has done, considering they " claim '' to have records of our conversations. In those records they should have brought up the fact that there were hardships involved. Bank of America is shameful and I don't know how its employees can sleep at night knowing that they are working for a cold-hearted institution.

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 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I received my first notice that XXXX was transferring the servicing of my home mortgage to LOANCARE, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX, XXXX XXXX XXXX, VA XXXX, XXXX. My loan has always been paid on time and was current with next payment due XX/XX/2019. I called XXXX immediately to see what I needed to due as my loan was due on XX/XX/XXXX and I wanted to make sure it got paid. I was told to contact LOANCARE,  and that by law they could not penalize you for any late payment due to service transferring. I did and was sent to an automated message that stated that if your loan servicing was transferring on XX/XX/XXXX, you had to wait until XX/XX/XXXX-today-to access your account with LOANCARE to make any payments.I was able to access my account online, but my account is now marked " passed due '', that I am not allowed to make any payment from a bank account, and that I have to bring my mortgage current. I am not permitted to make any payment and this company forced my loan to be late by preventing any access whatsoever until it was past due. I tried to call at least 8 times today and continued to get an automated message that they are experiencing a high call volume. They are breaking the law from what is happening to me, have marked my loan as passed due, have notated it late and are preventing me from making any payment and are NOT answering their phone. I would like to know what my legal rights are, and who is going to intervene. I need support and these tactics must be totally illegal. 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 explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I get a phone call about every four hours I have it on my XXXX XXXX XXXX protect and its blocked they had continued her arrest me Ive asked him to quit calling me and please only contact me by email or by letter but they still continue to threaten me telling me that Im gon na be in trouble I should know better I sign in agreement and theyre gon na take my Social Security check out of my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2019 I deposited a check through the Bank of America ( BoA ) mobile banking app. This was check number XXXX, in the amount of {$2200.00}. This is cashier 's check written from Bank of America. As it was deposited through the mobile app and on a weekend, I assumed {$200.00} would be released immediately and the remaining amount released on Tuesday, XX/XX/XXXX ( the second business day after the deposit ). This is also the date that it was indicated to me online that the funds would be released. I checked my account on Sunday and a hold was placed on my entire checking account. On Tuesday ( XX/XX/2019 ) the funds from the check were released and credited to my account but a debit in the amount of the check was also placed on my account. Now I am being told the funds will be released tomorrow morning at XXXX XXXX ( XX/XX/2019 ). I have contacted BoA twice ; on Monday and Tuesday and given misinformation both times. This is unacceptable, the cashier 's check is written from a BoA account so verifying funds should not be an issue, I have had this account with BoA for about two years, and this is an account in which overdrafts are not possible.

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 2019-10-09 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: CA

Complaint narrative:
On XX/XX/2019 I filed a dispute with XXXX, XXXX, and Equifax. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. Equifax completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. XXXX also provided results that coincide with Equifax. I have contacted XXXX XXXX XXXX and they say they are backlogged for 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
On XX/XX/2019 I filed a dispute with XXXX, Experian, and XXXX. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. XXXX completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. Experian also provided results that coincide with XXXX. I have contacted XXXX XXXX XXXXXXXX and they say they are backlogged for 60 days.

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 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I had XXXX come out to hook up internet late XX/XX/2018 and they couldn't provide the service that they agreed to provide. So after three days of nothing being fixed I had them come take their equipment and cancel all of it. It was written in their contract and I was told personally by their staff that they had a grace period and that I wouldn't be charged for any of it since I didn't use the service and it was withing the grace period. I ended up getting a bill after being told I owed nothing. So I got a hold of their support team on XX/XX/2018 and was told yet again I owed nothing and I still have this conversation backed up on my email from that day. Recieved yet another bill in the mail about a month later so infuriated, I called them and tried to figure out why im still being mailed bills for a service that I don't have and obviously was assured I owed nothing on. So they apologized and said they would fix it. So I never got another letter or bill. That was 9 months ago. I now see I have an outstanding collection from XXXX for XXXX. XXXX  will not do anything about it now that it's in collections, and the Collector wouldn't do anything over the phone and said I needed to file a complaint on their website. So I did. And nothing has happened. That was last week. I would consider this Fraud. I don't even understand how companies get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted Bank of America regarding fraudulent accounts opened in my name. I have never opened a credit card with them. XXXX was able to remove one of the credit cards from Bank of America from my credit report. When contacting Bank of America they tell me they are backlogged for 60 days. When contacting XXXX they tell me that they get their information from the creditor. Conflicting/confusing information. 100 % fraud.

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 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GreenSky, LLC
State: AK

Complaint narrative:
Starting XX/XX/XXXX 2 days after my payment is due Myself and spouse continue to receive 3 calls a day each Monday through friday. I also received 1 call on each Saturday since. My spouse explained we would pay as soon as he got paid in 2 weeks. They have continued to call myself and spouse 6 times each weekday since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Iam contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : JPMCB- CARD SERVICE {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account XX/XX/2019 on my XXXX  and XXXX  credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.

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 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX- date of services rendered to XXXX XXXX XXXX emergency room- was coherced to sign pages while incognizant without representative. 

XX/XX/XXXX- representative from XXXX XXXX XXXX confirmed all owed amounts were settled due to situation. 

XX/XX/XXXX- initial movement to collections with different company.

XX/XX/XXXX- debt was sent to bureau of medical economics . Lead to incorrect reporting Attempts to rectify information and settle amount have been denied several times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: IL

Complaint narrative:
I recently obtained a copy of my credit report from Transunion that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except Transunion.

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 2019-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ALLY FINANCIAL {$8700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation