vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
On XXXX/XXXX/2017, my daughter and I stopped for fuel and attempted to purchase it with my Direct Express card. The clerk informed us my card was rejected twice. I immediately called to inquire about the card status with Direct Express customer service and was informed of questionable/possible fraudulent charges made to my card from XXXX XXXX XXXX XXXX. I stated that I did not make any such purchase and immediately disputed any such purchases from the XXXX area as I 've never even been to XXXX. The CS representative informed me additional charges in XXXX were attempted and I could dispute those as well. I 'd like to know how actual cash purchases in XXXX were made with my Direct Express card while my card was here with me in America! The card was shredded and a new Direct Express card with a chip was issued by over-night mail. I made a police report. The reporting officer noted the incident on file but did not leave a copy of the fraudulent incidents with us. On XXXX/XXXX/17 I received a letter from Direct Express notifying me that fraudulent card activity could not be detected and the claim is due for closure. Direct Express instructed me to contact them for additional information to complete the investigation. After many attempts to contact Direct Express at level 2 ( which is the Dept which handles the investigations ), I was either disconnected or directed back to the website to verify my account balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: RI

Complaint narrative:
Received multiple calls and one voicemail. In the voicemail the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt. I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX 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 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a cointinuation of case XXXX response to their answer Bank of America.I have madea few installments to bank of america in XX/XX/XXXX which is after XX/XX/XXXX which seems to be what they are saying.In there first sentence of there answer it says they havent recived funds since XX/XX/XXXX this is not  true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
i owe 6 months due to sickness and ask them to lower my monthly mortgage so my wife who is the only one working can be able to pay, she has 3 months right now to pay and the company is refusing to take the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported some overdraft accounts on reports to XXXX XXXX XXXX and XXXX. I paid off all my accounts with Bank of America ( even one I did not recognize as being mine ) in a total of {$790.00}. This was paid in full on XXXX XXXX, 2016. I requested from Bank of America to removed the accounts from both of the agencies listed above. During my calls to Bank of America there was difficult in them getting me to the right department and person to talk. I later filed a dispute for removal from XXXX XXXX XXXX on XX/XX/XXXX They removed none of the accounts. ( Thought them removed all but one but the copy I have from XXXX XXXX shows updated they were paid not removed but XXXX shows all but one removed. For this account they listed the contribution reason as " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have asked Bank of America for the details of this to no avail. The last representative I spoke with stated I had done everything I could do and she did not know why it was not removed. They sent a response to me which was dated XXXX XXXX 2016 upholding their decision but no specific information was provided. I have never nor have I never attempted to commit any form of 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 explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I dispute the past due claims by Navient of pass due amount due to the fact I am on a reduced payment plan and have been since the claims, my payments are automatically paid and payment are set for a reoccurring set amount. I have contacted Navient three other times about this problem and was told it would be taken care of. Each time I called I was told to give it 4 0r 5 day to rectify but there was no change and now it showing several month pass due. I recently called and was told by collection that my bank account would not process the payment back in XXXX of 2016, then she tried to force me to make a payment by threatening me when I told her I would check my account and call her back. I checked my bank account and there was no refusals on this month. I am requesting my credit file be updated and the negative marks taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to Harley Davidson Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX XXXX XXXX and also to the credit agencies to no avail. I DO NOT own a Harley Davidson and I never have. This is the result of someone opening accounts in my name.
I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a harley. I have spoken to Harley Davidson and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I took out a XXXX loan with a repayment amount of XXXX by the date of XX/XX/XXXX which would automatically draft from my account. The attempt to collect the payment was not done until XX/XX/XXXX ( which was verified with the lender and bank ) unfortunately other items came out of my account the day prior resulting in the payment being returned. Had the payment come out on XX/XX/XXXX as agreed it would have gone through and the other item would have been returned. I also applied for a loan during this time but received an error that a loan could not be provided until the previous loan was paid ( This is how I found out that the payment did n't go through ) although the error was provided the loan was actually processed unbeknownst to me and the repayment amount was XXXX as opposed to the XXXX I could 've given right back to them because I now had to worry about paying the other loan. They are not returning calls or answering my calls since these errors have been brought to there attention and they are continuing to take on additional interest and fees. Please help me. I only did this to help my mother with her XXXX meds I just want to pay them what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX  XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.

Company response to consumer: Closed with explanation