vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX  credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In  XXXX   2017  I switched my billing to eBills through my bank,  XXXX   XXXX . When the bank processed my eBill, the minimum payment due reflected as my entire balanc e ( so m e $ 4,000+ ). The bank did not process my payment due to the erroneous amount. I contacted Best Buy Credit Cards ( Citi Bank ) and explained my issue. I was told that any late fees would be reversed and that my   minimum payment due was that which reflected on my paper statement, about {$44.00}. I made that payment. The next month I received another bill with the late payment still assessed. I made my minimum payment due on time because the late payment should not have posted per the agent 's discussion. The same thing happened in  XXXX  except  XXXX  late payments were now assessed. When I called the contact center I was told that, despite the agent in  XXXX  accepting the payment as a bank error and thus reversing the charge, that I was still responsible for paying the late payment even though I was told it would be reversed. I remitted my minimum payment due per my original cardholder agreement and instructions from the agent.  <P/> Since then I have received no fewer th an 2-3 calls per day from a collection arm called Citi Client First. I finally spoke with them and expla ined my issue. I have been remitting my minimum payments due less their erroneous fees. The escalation agent,  XXXX , told me that he would not be able to reverse any late fees despite the fact that this snowball effect has occurred outside of my control. I remitted a payment of {$110.00}  ( roughly 3x my normal minimum payment due amount ) in order to stop the harassing phone calls and voicemails. Because o f these fees charged, the extra monies paid will not go to reduce my principle. Instead, they will go to pay fees that never should have been assessed per the conversation made in  XXXX   2017 .

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 2017-06-11 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: CO

Complaint narrative:
XXXX   XXXX  was put on my credit report with  XXXX  and Equifa x ( d o n't know about   XXXX    because I cant get report from th em ) . I disputed this in writing and on line on  XXXX   XXXX ,   XXXX  .   XXXX    took it off my report but its still on Equifax report. It has been well over 30 days and I have n't heard anything. I asked them to send me proof that I owe this debt ( which they claim is {$830.00} ) I have never had  XXXX   XXXX , I have had  XXXX  for the p ast 10+ y ears and explained this to them and even called  XXXX  to get all my invoices, which they did send. I wrote to Equifax again today,  XXXX   XXXX ,   XXXX   and told them it has been well over 30 days with no response and this needs to come off my credit report.  XXXX  took it off theirs. I do n't understand what the problem is. Id  XXXX   XXXX  cant verify this ( which they cant ), it needs to come off my report and I really should n't have to wait another 30 days for it to happen since its already been almost 60 days. I do n't know if its on my   XXXX   report, but if it is, it needs to come off that too. I appreciate all that you can do to help this matter, its a little ridiculous when they cant even acknowledge something back, if they do n't have proof from  XXXX   XXXX , it needs to come off my credit reports, all of them.   XXXX   did n't have proof from  XXXX   XXXX  either, that 's why they took it off. I keep disputed it and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
This is a continuation of Case Number XXXX. <P/>I have tried numerous times to get XXXX XXXX XXXX XXXX XXXX and their collection agencies to communicate to each other that the debt they are trying to collect has been credited by XXXX on three separate occasions. I most recently simultaneously received the third credit invoice direct from XXXX and a new collection agency ( AWA Collections, XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX ) is contacting me to collect on the {$0.00} balance I owe? AWA is a more aggressive collector as they are going to report to the credit agencies. The first collector from the " XXXX Collection Department '' had threatened and apparently did turn this over to them. <P/>I had uploaded several documents in Case Number XXXX. I have attached here the third credit invoice from XXXX and the latest collection letter from AWA. <P/>I am not sure how to proceed given I can not get the various parties involved to communicate directly. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.

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 2017-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
See attached lette r Capital One took it upon themselves to become a reporting agency which they are not and instructed the credit reporting agencies to remove a closed account that was paid/good standing which has damaged  my credit report and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2017-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America
State: DC

Complaint narrative:
We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  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 2017-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: KY

Complaint narrative:
My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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 that should be on the report is missing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.

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 2017-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I check my credit report every few days and noticed a collection listed on my credit report on a debt that I am not aware

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 2017-06-11 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: PNC Bank N.A.
State: DE

Complaint narrative:
On  XXXX   XXXX , I called and requested to have my wife 's credit card replaced. Specifically asking not to have mine shut down because that is a huge inconvenience. The rep was refusing to assist me with this specific issue. She was rude, over talked me, kept repeating herself and refused to escalate the phone call per my request. I disconnected after she refused to assist and reached a different rep, where I was assured my wife 's card only would be replaced.     Subsequently, my wife had my card, and only my card when she was out of town on  XXXX   XXXX . While she was trying to purchase gas to get back home the card was declined. My wife had to ask a stranger for money to get back home. Extremely embarrassing and humiliating, especially when we are successful hard working people and I was assured my card would not be closed. My wife came home late and did not tell me this situation until later in the day,  XXXX   XXXX . Prior to finding out this information, I went to   XXXX   this morning to make a large purchase for my house. I had everything rang up in my cart and when it came time pay, my card was declined. Once again extremely embarrassing. I had to put everything back because that was once again my only and preferred method of payment.     I am extremely disappointed and dissatisfied with the previous service I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.

Company response to consumer: Closed with explanation