vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a mobile payment of {$1000.00} via email to my Aunt using my Bank of America account and it was routed to a closed XXXX account. After reaching out to both Bank of America and XXXX to get the matter rectified Bank of America informed me that XXXX would not be returning my money. When my aunt called XXXX to get the information they tell her that they can not go into the account because it is closed, Yet when I called XXXX they ask for my aunts information to look into the account.

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 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.

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 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have student loans and wanting to get them forgiven. The school was shut down in XX/XX/2015. I can not pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently visited XXXX, Equifax, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; Equifax shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Schukei Chevrolet Volkswagen
State: OH

Complaint narrative:
turned in leased vehicle, which I was suppose to either get another leased vehicle, or a new vehicle. I purchased a new vehicle in 2006. I was charged even though the agreement was that I would be able to take ownership and make payments. My car was repossed in XXXX the creditor changed hands 3 times, each time extending my lateness. car was sold at auction. it has been over 10 years and XXXX continues to have no information of my payment history, yet they do not know how much I paid, they say I have no late payments, they closed account and tell me I still owe XXXX. It was 10 years ago I purchased an XXXX, between my lease return, and purchasing the new vehicle, the XXXX original lender, sold my car note, then XXXX owned it and sold the note again to XXXX. XXXX is charging me for a repossession they have no explanation for what late payments, what paymens were made, and it is long overdue to remove this from my credit report since it looks like I own XXXX cars. my personal information was exchanged through all these agencies, and sensitive information. Phone calls 6x daily for years. I am now on XXXX, I was able to have XXXX and XXXX remove from credit report, but XXXX will not. They say it is closed account with outstanding balance of XXXX they charged me as if I never turned in the leased vehicle fully paid on time, added insurances I declined, and threatened me when I told them I was going to contact XXXX in Ohio XXXX the sales dealership was XXXX XXXX, XXXX, Ohio. I have no agreement with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Resolution Group, LLC
State: NM

Complaint narrative:
Unsolicited calls from : Global Resolution Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.

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 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had an American Express Delta Skymiles Card- had a high limit and paid on time consistently for several years. There was $ XXXX of fraudulent charges on my account and opened an investigation. The merchant never responded/provided any documentation that could substantiate these charges. In fact, the merchant responsible for these charges is n't even in business now. However, the 3rd party performing the investigation engaged in multiple phone calls that became borderline harassment as they were unequivocally trying to find a way to get me to back down so they could collect the money from me. I asked them if they could put the charges back on my account without any documentation/response from the merchant and they did n't answer as they apparently were not at liberty to do so. Subsequently, I requested to speak to a manager. I never had that chance because they cancelled the card and now are trying to collect the balance of the card PLUS the roughly $ XXXX of fraudulent charges. This is adversely affecting my credit which is deplorable considering they are ignoring my repeated requests for them to look further into the fraud situation. I believe this is unethical but also illegal business practice because my rights as a consumer are being ignored and they are attempting to use intimidation tactics to get me to back off which I will not since I refuse to pay for charges that I never incurred. Please let me know what my rights are as a consumer and what actions I can take to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
XXXX has some companies like XXXX on contract to serve their beneficiaries with their medical supplies. Based on my inquiries, I was assured by XXXX that I would not be charged out of pocket for the supplies or their services. Every time a shipment was mailed out to me I received a called most of the time from a gentleman name XXXX. Every time I say to him if I have to pay a copay do not send the supplies. For almost a period of XXXX year I was never notified of any unpaid amount, nor was I sent any bills along with the supplies. Out of nowhere, I received a bill from XXXX stating an unpaid amount for the supplies. Upon inquiry, I was not given a straight answer which led to my complaint with XXXX in XX/XX/XXXX. By XX/XX/XXXX, XXXX stopped responding to XXXX. In XX/XX/XXXX, XXXX closed the case. There was no communication from XXXX. Then suddenly in XX/XX/XXXX, I received a call from a collection agency attempting to collect on behalf of XXXX XXXX XXXX. Upon explaining the whole situation to XXXX from the collection agency, I was advised to contact XXXX. Upon several attempts to make contact, once delivering my information and the issue, XXXX hung up on me, this happened back in XX/XX/XXXX. I left several messages and finally, an agent XXXX XXXX XXXX, called me back on XX/XX/XXXX. She was extremely apologetic, and assured me that someone would contact me very soon to resolve this issue, but they had been very busy, which was why they had n't been able to call me back. It 's already been XXXX months and I have n't heard anything from XXXX or the collection agency ( XXXX ). Back in XX/XX/XXXX while speaking to XXXX I mentioned I will be contacting XXXX to make them aware of the issue with XXXX ; she laughed saying XXXX is not going to do anything. In XX/XX/XXXX I say to XXXX I was going to contact XXXX and make a formal complaint about XXXX, once again she said XXXX can not do anything about it. She was right ; XXXX does not even have a section where one can file a complaint against companies like XXXX 
I am tired of the harassment XXXX has put me through for 4 years. They lie over and over because they know nothing is going to happen. 
As per our talk ; I understand when you say is a matter of time ; and in the meantime what should I do? Keep my hands cross and let XXXX do to me and so many others as they please? 
XXXX has to be held accountable for their wrongdoings. I can assure you if we use media to find out how many more people have been treated the same way as I have, you 'll be surprised. XXXX has a count of just a few of them and even like that there are already too many. 
I will not tolerate XXXXs harassment any longer, it has to stop now because I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This rude " company " ( and I use that description lightly ) PORTFOLIO RECOVERY keeps harassing me. They are reporting on my credit report saying I had a credit card with XXXX XXXX. I 've never had an account with XXXX XXXX. Back in 2004 my purse was stolen and I 've had to watch my credit report like a hawk. They are also re-aging the account which is also AGAINSTTHE LAW. FURTHERMORE, PORTFOLIO RECOVERY CANT AND WO N'T FURNISH PROOF WITH SIGNATURES. THEREFORE, PORTFOLIO RECOVERY SHOULD CEASE AND DESIST WITH FURTHER CONTACTING ME, DELETE THIS FROM MY CREDIT REPORT AND AGREE TO NOT RESELL THE DEBT OR LEGAL ACTION AGAINST PORTFOLIO RECOVERY WILL BE SOUGHT OUT! 

THIS ISSUE NEEDS TO BE RESOLVED AND REMOVED WITHIN 15 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I obtained a credit card through a bike shop named XXXX XXXX XXXX to finance a new bicycle interest free for a year. The shop manager assured me there would be no interest for a year. The credit line is called 'Comenity-Trek Bikes. I have always paid on time and met the 1 year deadline in the past but now Comenity is fraudulently charging me {$910.00} interest for a previous purchase in which the bike has already been paid for within a year and assessing interest charges on a bike I just bought. These types of cards and credit lines are routinely offered at bike shops and and are good deal only if paid off within a year and I would never use such a card for anything else. For charging me any interest at all violates the terms with myself and the bike shop. Even their website prominently advertises, " Interest free for 12 months ''. So far interest charges are reaching {$930.00}. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I contacted Suntrust Bank main office on XX/XX/XXXX to inform them that I had not received my bank statement from them in three months. I was told by the person on the phone that they would mail them out that day, and I would receive them in approximately three days. I did not, so I went to my local Suntrust Bank located at XXXX, Md. XXXX and address the issue with Branch Manager XXXX. She printed me out statement from XX/XX/XXXX to XX/XX/XXXX. When I checked the statement I notice approximately XXXX ATM-withdrawals total over {$3200.00} not including fees, and XXXX checks-written total {$900.00} that I did not do, or known who did. I immediately return to to the bank on XX/XX/XXXX and address the issue with Bank Manager XXXX. She contacted Suntrust Fraud Department, and a report filed and investigation I was told started. On XX/XX/XXXX I received a letter from fraud investigator stating that they were unable to honor my claim giving me some unreasonable causes. The letter dated XX/XX/XXXX is the first response to the claim of fraudulent activity on my Suntrust account ending with [ XXXX ] I received. For this and other reasons, base upon our investigation, we can not conclude that Suntrust has any liability for your disputed transactions. I returned to my local Suntrust bank on XX/XX/XXXX and talk with Bank Manager XXXX about over half of the transactions falling within the time frame of the 30 days, and she called fraud investigation. I was told by her that the investigator said that because there were A-T-M withdrawal before the 30 days and I was seen on camera making the withdrawals, the investigation was close. I never made any withdrawal from the location on the statement and do not even known were it is. I always use ATM networks with Suntrust so I do not pay fees. I then asked the Bank Manager to see the video with me withdrawing money from the location the claim, and was told by her that the investigator said the only way I can see the video which there is not, is to subpoena it from fraud investigation. All of this after banking with Suntrust for approximately 30 years. All I want is Suntrust to return approximateIy {$4500.00} to my account.

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 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OH

Complaint narrative:
was never late on my student loan. I was granted a forbearance in the process of the forbearance approval. My student loan was reported late. I feel this is unfair and deceptive and against FCRA section 609. The information was not verified and the provider never submitted verification of the late payment when I disputed the inaccurate reporting with FedLoan Student Loan services.

Company response to consumer: Closed with explanation