vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX )  they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!

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 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I disconnect my phone line from XXXX company last year and they send me last bill on XX/XX/2017 in the amount of XXXX and pay the full amount. when I call them I clearly say disconnect all the line I have in my account and from that point on I did not use any line and till this day on their web site USAGE OF THOSE LINE SAYS XXXX. And now they send me a bill of XXXX for usage on XX/XX/XXXX plus XXXX dollar on XX/XX/XXXX for the line i never used since the first initial contact with them to disconnect all the line when I ask two line is still active BUT as I say I call them to disconnect all of them and doesn't make sense to cancel 3 line and live the other two. Now every time I call they say we will give you credit for those charges but not only they never did that but they send the balance to a collection agency and I can take it any longer. The same exact word I got last month from their agent we will cancel the service and credit you back the amount and I got it Monday. when I ask their supervisor or any body responsible for this kind of mess they told me they are in back of office and their is no way they connect me to solve the problem. Now the bill jump to XXXX dollar. Now they say still those two line are not cancelled why because the billing cycle is till XX/XX/XXXX. I don't have any other way to communicate with them to solve the problem except writing for you. I do appreciate the service you do and expect hopefully something good from you. Thanks.

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 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One restricted my account because they said my ssn is invalid. I had already verified my ssn with them once before. They refuse to let me withdraw my money out of the account. I have XXXX in the account I asked them to close the account because I didn't want to deal with the extra hassle. They refuse to send me the money in a timely form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.

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 2018-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-02-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with 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 2018-02-07 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: DISCOVER BANK
State: NY

Complaint narrative:
After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Platinum Mastercard : - Has zero grace period.

- Requires a payment by XXXX XXXX on your monthly due date. 

- Charges {$25.00} late fee whether you pay one day, or even one hour, late. 

- Does not allow you to change your due date for 60 days following change of address. 

- Requires all payments solely via bank checking account, not with a bank debit card nor a credit card. 

- Advertises itself as a credit building credit card. 

I recently applied for this card, and several other credit cards and accounts, to raise my credit score due to a lack of credit card accounts in my credit history ( I pay cash ). However none of my other new credit cards require these predatory terms and conditions and I've incurred no fees with them. 

I made several payments on time but was a day, and then one hour late on 2 payments resulting in {$50.00} in late fees. Cap One 's policy grants one refund of a late fee per year and I was disqualified from the advertised automatic credit increase. 

This is why I never bothered with credit cards in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I don't have specific dates but over the past five to seven years I have asked XXXX XXXX and now Navient to send me a detailed statement that includes the amount of the original loan consolidation , the dates and amounts of my payments over the past ten years and details as to how those payments have been applied to my loan.  I have never received this information.  They always send me a loan total that never changes; over $27, 000 and they refuse to tell me why I have made no progress on reducing the amount of my loan.  Now, as I am inquiring about the Public Service Loan Forgiveness program, they tell me that I have to convert my loan back to a Direct Federal Loan and start my 120 payments (ten years) all over again.  This leaves me feeling hopeless.  The only ray of sunshine; I will XXXX someday and the loan will XXXX  with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you 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 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. 
I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.

Company response to consumer: Closed with explanation