vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

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 monetary relief
Consumer complaint received 2018-03-30 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: CO

Complaint narrative:
I got two private student loans from XXXX XXXX circa XX/XX/XXXXto XX/XX/XXXX. In the following years, my customer service interactions were appalling. Automated systems, outsourced call farming, and lies. I have made payments since the very beginning, and made a lot of contact about creating a payment plan I could afford as an independent working college student. They told me I could choose between income driven payment plans and forbearance. And then refused to allow me to do the first. This means that at times in my life I could pay them, I was beurecratically bullied out of this plan. This goes beyond advising poorly. The company or it's representatives refused to allow me to make payments on my principle for the longest possible time, then sold my loans to Navient. Sketchy and gross practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off 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 2018-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.

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 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: NC

Complaint narrative:
I contacted and mailed letter with no results. I asked for proof of bill being mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: NC

Complaint narrative:
I contacted and mailed a letter asking for documentation that account was mine and got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I contacted and got no results. I mailed them a letter and asked to show proof of this account. They could not show proof I asked them to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.

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 2018-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
OnXX/XX/XXXX, I got my XXXX statement for my Kohl 's credit card. I noticed there was a {$27.00} late fee. I called since I knew my payment was received on time. There was a mistype when I did my pay through bill pay, {$70.00} was sent instead of {$73.00}. The lady ( I can't find the paper where I had her name ) was very nice and said I have a perfect record with them ( never been late before or anything ) and she would refund the late fee. She then said that would make my minimum amount due {$74.00} instead of the {$100.00} the bill was showing. So on XX/XX/XXXX I sent in a {$75.00} payment. I got my Kohl 's bill today and it shows {$140.00} min payment and a {$37.00} late fee.The amount shown as past due was {$26.00} ( basically the late fee minus the extra {$1.00} I sent in ). I called them back today and got a lady with a VERY heavy accent. Even after getting her to repeat her name I couldn't understand what she said ( it started with a G sound ). I explained what happened last month and what I was told to send in. She proceeds to tell me they can't change the minimum due, I was supposed to pay the entire {$100.00}. She said she can waive the new {$37.00} late fee but I will need to pay the full {$140.00} that is due in XXXX. I explained to her that I have never heard of a company not being able to change the minimum amount due. I work in the XXXX XXXX and know that this can be done. I have had this done one time before with another company that there was a mix up on when they posted my payment so they charged a late fee. When I called them they acknowledged the error and refunded the late fee which adjusted my min due back to what it should have been. I asked to speak to a manager and was told that I could not because they can't change the minimum due either. So because of this, I have to pay double what my usual payment is. Which is causing me to have to adjust my budget and take money from my grocery account to cover this. I have closed my account and will not shop at Kohl 's ever again. I have been a card holder with Kohl 's since 2014. In all the years I have had credit accounts, I have never had a company say they can't adjust the min amount due when they are refunding the late fee. I do not feel I should have to pay the full {$140.00} when I was paying what I was told was the amount due for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: GA

Complaint narrative:
I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: OK

Complaint narrative:
The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. 

In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX XXXX in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on public assitance due to raising XXXX   kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past 13 years.

I called the company they are choosing to represent them ( XXXX XXXX XXXX in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX credit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-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 non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, In XX/XX/XXXX I purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX 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 2018-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
The debt collector Santander Consumer originally opened the debt collection on XX/XX/XXXX for  the amount of {$12000.00}. I don't recall being contacted by Santander in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: CA

Complaint narrative:
On XX/XX/XXXX I paid the entire balance on my credit card and I placed another order online on XX/XX/XXXX and JXX/XX/XXXX. Apparently, the order which I placed on XX/XX/XXXX was a fraud and after I find out it was a fraud 2 days later I called Chase credit card and told them the situation. I was told by their representative not to worry about it and not to pay that amount which is {$27.00}. The only thing I have to pay is for the second order I placed on XX/XX/XXXX which is {$84.00}. 

After I received my second order through the mail, I didn't like one of the item and went to the store and returned it. The store issued me a credit of {$31.00} and I saw on the credit card. Next thing I know, Chase deduct the {$27.00} and is telling me that I have a {$3.00} credit. I called them and ask them about the {$31.00} credit I got from the store and where the {$27.00} went. Now, they're telling me that I paid the whole thing which is not true. They're giving me the run around. They owe me {$27.00} from the {$31.00} they deduct it. I have proof of everything. On XX/XX/XXXX, I placed another order from XXXX XXXX for {$41.00} and since I have a credit of {$3.00} and plus the {$29.00} they took my balance is only {$9.00} which I already paid. But, they're still billing me for the {$27.00}.

Company response to consumer: Closed with explanation