vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I have paid this debt in full with the original owner, XXXX XXXX and they agreed it would be taken off my report. However there is a company that is still reporting this debt on my report and they refuse to remove it, even though the original debt owner agreed to remove this. 

Original owner that I didn't know I owed was XXXX XXXX, they have been paid in full once I knew I owed them any money. 

The debt reporting company is named FAIR COLLECTIONS AND OUT XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I asked them multiple times to remove this, they say it shows paid but still feel the need to keep a collections record about it for 7 years. They were not owed the debt and have no knowledge of these matters.

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 2019-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, Santander Consumers. I have pictures to show you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: NY

Complaint narrative:
1. I have an Avant personal loan. For 6 months I have been making payments on time, they withdraw {$270.00} from my XXXX XXXX XXXX account. This works fine. 

2. I called them on XX/XX/2019 to make other arrangements to pay this month 's installment and they said I could use a credit card. Master  or XXXX. I gave them my MasterCard number, which had {$660.00} and change available credit. 

They said it was declined. They then put it through again after verifying the number and expiration date and 3 digit number on the back. They had also asked for my fill mane and address, my social security number and my phone number if I recall. They put it through again. It was declined again.

4. They suggested I try another card. I asked them if they could find out why it was declined and they said I had to do that.

5. I called my card provider and was informed their vendor ID had come up as being flagged as a gambling related operation which they would not honor. This is XXXX XXXX  supposedly reputable, or at least within the boundaries of the law?

6. I called Avant customer service back and they expressed sorrow for inconvenience and appreciation of my patience and that this is the " first time '' they had ever heard of such a thing, them being flagged as such and they suggested I try another Mastercard. I thought, not a good idea. They then suggested I deposit cash into my bank account so I can make my regular scheduled payment but I explained if I had cash I would have done so already basically.

7. I spoke to a supervisor and asked to speak to their legal department and they said they would register my issue with their higher up department but that would take up to 14 days before anything might happen.

In the interim, my concerns are : a ) I believe their customer service, offshore from what I can speculate, based on the accents and the boiler room background noise on the phone conversation, was phishing my personal information. 

b ) They are denying my the ability to pay my bill deliberately in order to charge me a late fee and or extra interest by making it as difficult as possible to pay them. 

c ) They may be guilty of predatory lending and or in violation of some law or another. Buyer beware I know, but this is just disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of the government  shutdown and can not make any payments at this time. I wish to defer payments for at least six months so I can recover. 

All my credit card companies insist on some sort of minimum payment which I can not make and will not work with me. 

All companies were contacted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and are constantly calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
the complaint against " Apothaker Scian P. C. '' was not if I owed a debt to XXXX. It was not about if XXXX, who they claim to get my debt account from was owed. A complaint was filed due to this company being believed to have falsely gotten & purchased even requested my personal account from XXXX out of retoliation ... I suspect that " Apothaker Scian P. C. '' may have allegelly, got representatives or whomever from XXXX to turn over my account to hem rather as they stated that it was sent to them for XXXX. Again, since when does XXXX take a college student to court for a {$900.00} charge even with interest as little as totaling {$1000.00}? This is unheard of. Not that I wouldn ; t agree to pay or haven't been paying, but, this would have just been put on my credit report. 
So, again, my complaint is to find out if XXXX sent this account I owed to this Apothaker that I owed to XXXX ONLY, or if it was requested. Also, if so, does the legal dept. or XXXX XXXX even know about the hearing they filed for me to attend. Why would XXXX use an attorney from NJ where my mother and me, Miss XXXX XXXX have been having so much politics come against us? How did they get the account. Please, do not take their word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have internet phone and cable through XXXX and paid they bill a few days late. This has happened before but this is the first time that it put a collection on my credit report for it. My account is currently in good standing and my bills have been on time. I told a rep and they said it should come off within a few days and its been at least a month Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I submitted a mobile deposit for {$30.00}. The check was issued by XXXX XXXX XXXX, check number XXXX. After speaking with a represenative on XX/XX/2019, they identified that the check was returned due to XXXX. At which time BBVA Compass initiated a charge back for the dishonored check and charged a Returned Deposit Item Charge of {$15.00}.

My call was to request information as to why the charge back occurred and to obtain written verification of the actions taken on the account regarding the deposited check, charge back and fees associated with the returned item. The letter was to be used as verification of the returned item and fees so that I could collect the {$30.00} fee owed and the returned check charge of {$15.00} from XXXX XXXX. 
While the reason was verbally provided. When asked for a letter from BBVA Compass, the agent advised that I needed to go to a branch to obtain the letter. I explained that I have a full time job starting at XXXX. Then, work business for self in the evenings and weekends, I do not have the time to take off to go to a branch. Expecting to be provided options, I was met with resistance and sarcasm when I asked to submit a complaint. The agent was unprofessional, was not aware of company policy/procedures, did not provide alternatives and generally uncaring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Submitted a prior complaint ( COMPLAINT IDXXXX-XXXX ), complaint was closed and the company Equifax says issue has been resolved, but none of the issues mentioned in my prior complaint has been addressed. Here 's the summary of my issues with Equifax credit reporting : I still can't freeze my credit on Equifax 's website. 
I still am unable to get my Equifax credit report from the AnnualCreditReport.com Lender 's are still unable to get my Equifax credit report. 
None of the issues have been resolved. 
Every time I try to log in to Equifax website to freeze my credit, it give me the error should in the attached screenshot. I try to reset my password but it never sends a link to reset my password to my email. I try to create a new account and it says account already exists which I can't log in into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a notification that XXXX XXXX placed an inquiry on my credit. I did not request this and do not have XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 I made payments to pay off my student loan with XXXX XXXX XXXX. The payments resulted in an overpayment of {$220.00}. Per the terms and conditions, the overpayment should have been returned within 60 days. After 60 days had passed and I had not received reimbursement, I contacted XXXX XXXX XXXX on Friday, XX/XX/19. The representative I spoke to said they would contact the accounting department and that I would receive an email and resolution within a week. More than a week passed and I had not received an email, resolution, or reimbursement so I called XXXX XXXX XXXX on XX/XX/19 to  follow up. The representative again told me that they would be sending an email to their accounting department and I should expect an email and resolution within a week. On XX/XX/19 I still had not received reimbursement nor an email. I called XXXX XXXX XXXX and was told for a third time by a representative that they would be sending an email to the accounting department and I should expect an email and resolution within a week. 
At this point, I have no faith in XXXX  XXXX XXXX ability to resolve and reimburse my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Credit Karma, LLC
State: CA

Complaint narrative:
credit karma and XXXX, XXXX states to CFPB XXXX  not reporting but Credit Karma is stating XXXX is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that credit karma by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX  XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP
State: PA

Complaint narrative:
In XXXX or XXXX after my two loans were transferred to KeyBank I  called to set up payments. I arranged to make a XXXX XXXX monthly payment on each of the two loans and that payments would start the beginning of the month after following month. I then received in the mail an invoice that had a due date for the following month. I called and was told that what I was told on the phone about when the payments would start was a " mistake. '' I then started getting invoices but realized that I was only be invoiced for one of the two loans. So I started sending in a {$150.00} payment with the statement to cover both loans, But as the uploaded document shows, KeyBank was only credited one of the two accounts. So essentially I was never billed for one of the two accounts. And then at some point KeyBank stopped sending any bills/statements to me. I had no address where to send any payments ( the uploaded document I just  happened to stumble upon recently buried in a folder with other documents ) so I just stopped payments. And then I heard nothing from KeyBank for over two years. Then I get a letter asking me to call. Because I had an experience of being told things by phone that turned out not to be  true, I communicated in writing twice, with offers of lump sum payments to settle both debts. I never got acknowledge from KeyBank that I had ever communicated with them, just generic " please call '' letters. Then I get a letter saying I am in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm XXXX YRS- works as a XXXX XXXX XXXX- for XXXX XXXX XXXX an Agency that is responsable to take care of the Sick, the bunerable, elderly, misfortunate, drug addicts, XXXX XXXX XXXX belong to the XXXX XXXX XXXX XXXX XXXX XXXX, I retire from them a few years ago, but I was not aware I had a Rollover-IRA- finally I had some money after I intervine, the Company sent the money to the Citibank located at, CITIBANK RETIREMENT PLAN SERVICE -XXXX-XXXX-XXXX- XXXX   XXXX, TX. XXXX- I have to remove the Money from them because of my age, the banking Staff at CitiBank , NA-XXXX-XXXX XXXX-N.Y. XXXX-Vice President NMLS # XXXX XXXX XXXX has help me with the transaction, fot the second time those people overthere are givingme the runaround always asking for the same information, I had submitted to them XXXX Driver Licency, as an ID- XXXX XXXX XXXX   Medicaid, my address, I need my refunds.

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 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
This issue began in the fall of XX/XX/XXXX. My brother and I retained an attorney to draft Trust, Will, and Power of Attorney documents. At this time, the attorney could not find proof of who held the mortgage to my brother 's home. All searches pointed to no mortgage being on this particular address. My brother and I then had a new title search done. Again, no mortgage showed up! We then met with another attorney who ran a search through XXXX XXXX. Again, no mortgage showed up. I contacted Mr. Cooper/Nationstar, the company we are making a mortgage payment to each month. They explained that they had taken over this mortgage XX/XX/XXXX from XXXX. I contacted XXXX and have documentation that the mortgage payments were up to date before the change occurred. 
Now, we are trying to get proof from Mr. Cooper that they hold the mortgage. We would like to possibly refiance the home, but we can not get proof of the mortgage holder. I contacted XXXX XXXX last week, and they could not find any mortgage. I then contacted Mr. Cooper again, who stated that they would have their special department from this area email me the information requested. It never happened! Last week I spoke with XXXX XXXX from Mr. Cooper, who again requested the information because she could NOT find the mortgage holding in their system. I was instead sent the information that showed up on our title search! XXXX XXXX can be reached at XXXX to explain that no documents are appearing under Mr. Cooper to show they hold the mortgage. At this time, we are unable to refiance and get away from this company. We also feel we should hold future payments until we are sure as to what is happening. We would appreciate any help or advice you could give at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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:
XXXX XXXX and Equifax, Equifax states to CFPB XXXX   not reporting but XXXX XXXX is stating Equifax is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that XXXX XXXX by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
RE : Fraudulent charges on teenager account Claim was denied Account in question : my daughter XXXX ( XXXX year old ) On XX/XX/XXXX, I received emails ( attached ) regarding unusual activity on XXXX account. I call the bank after I log in from my app on my phone and see all these activities that are clearly not my daughters. As I talk to the agent, I find out from XXXX that her card is missing and the last transaction she recalls is purchasing food at XXXX on XX/XX/XXXX. Someone stole XXXX XXXX card and logged online to make mobile check deposits : XX/XX/XXXX check amount {$1400.00} reversed on XX/XX/XXXX XX/XX/XXXX check amount {$3400.00} rejected on XX/XX/XXXX XXXX had {$15.00} on her account on XX/XX/XXXX and was never able to charge more than what is available her card would decline if she tried. 
Other charges and deposits were made all between the first and the XXXX of XXXX by the perpetrators. 
1. XX/XX/XXXX Cash deposit of {$3.00} ( Monday ) Capital One in XXXX we live in XXXX XXXX and this is a school day and we have never been to branch. 
2. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 3. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 4. XX/XX/XXXX Debit card purchase {$100.00} ( Tuesday ) On XX/XX/XXXX, one agent and her supervisor both told me that my daughter was called by the claim department and she confirmed she made the charges. I assured them that was untrue and they came back on the line and said that it was actually from the original conversation I had with them on XX/XX/XXXX. 
I am so disappointed that the conclusion was that actually my XXXX year old daughter made all these transactions while living 45 minutes from XXXX and being in high school all day and without having the card in her possession. 
The claim is closed and I received a letter stating that the charges are our responsibility. I called the claim department and was promised full details of the investigation and never received it. I would like to have someone resolve this issue. 
Thank you, XXXX : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I currently have an account with Bank of America, on XX/XX/2019 through their mobile banking app someone with the name of XXXX XXXX was able to hack this app and send 4 unauthorized transactions through XXXX. Within these 4 unauthorized transactions {$650.00} was stolen out of my account and Bank of America has told me it is my fault as to why my account was able to be hacked. I filed a claim and it was declined.

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 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: MI

Complaint narrative:
After I was wage garnished by Coast Professional INC on XX/XX/XXXX, I received a letter from Federal Student Aid. Within this correspondence the statement, " Education loans included in bankruptcy petitions filed on or after XX/XX/XXXX, can not be discharged in bankruptcy unless the court finds that repayment would impose undue hardship ... .. ''. Then I realized that I didnt owe the loan. Being ignorant of the bankruptcy law at the time I filed for financial relief from the court I didn't have a great understanding, nevertheless, the petition was granted. I listed the US Department of Education as creditors. This creditor was the main reason I petition for relief. 

This case was filed on XX/XX/XXXX. It can to term on XX/XX/XXXX. The case is # XXXX XXXX. My Attorney was XXXX XXXX. 

Because I really didn't knew the law and total depended on my attorney because I was stressed in my state of mind. Because I didn't ask the important questions I thought I still owe the U S Department of Education and because they stated through communications that I did. 
I was know as XXXX XXXX at the time of the loan in XXXX. When I default I filed for bankruptcy in XXXX under this name. In early XXXX 's I got a judgement against me despite the bankruptcy. Tax refund off-set for decades were levied against me. The US Department of education didn't recognize my bankruptcy when it was within the law at the time pertaining to discharging student loans in bankruptcy.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: FL

Complaint narrative:
None of my credit card companies will defer payments.

Company response to consumer: Closed with explanation