vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up fo r a Mastercard Gold Card through Barclaycard 's "  Luxury Card '' brand in   XXXX   XXXX    . Prior to signing up and activating my card, I called and verified that  Barclaycard  waived annual fees and granted  SCRA benefits to active duty servi ce members, which they did. Less than a yea r later, Barclaycard has   mailed me a notice saying they have changed their policies and rescinded the portion of  SCRA benefits that allow service members to have their annual fees waived if they were already on active duty when applying for their credit card. They will now charge an annual fee amounting to {$990.00} for myself and {$290.00} for my wife as an authorized user. The balance on the card must now be transferred to another card prior to cancelling, creating additional fees due to balance transfer. Barclaycard 's policy chan ge is unethical and forces service members carrying a balance to either pay a balance transfer fee to another credit card or pay an excessively high annual fee they were not anticipating.

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 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was sent a letter from  Commonwealth Financial stating that they would notify fy the   XXXX  major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX .  XXXX , and  XXXX   XXXX  no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
Since Seterus took over my loan, all payments for the last 3 years were made on a timely basis. My current statement shows a balance after the  XXXX  payment of {$150000.00}. Using the amortization schedule the balance should be around {$150.00}. Had they applied the payment timely the amount actually should be less. They need to account for the missing {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I need validation of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The hospital failed to send my medical bills to the correct address. I never received any bills nor did the input all my information as I have healthcare coverage that would 've covered the entire bill. They asked me for all my information and STILL failed to get it right. Now it has gone to collections and it is on my credit report because they failed to do their job. I have had so much trouble trying to get a copy of the bill.  One  gentleman I spoke with earlier his year asked me for the number on the back of my   XXXX   card and all my member information and assured me he would take care of it. Now it 's on my credit report and every time I follow up they tell me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Did n't move in the apartment I was only given a offer package with details of the charges and term conditions. There 's no money order that shows I paid the move in amount. And, each document has different signatures along with fraudulent dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACS Education Services
State: IL

Complaint narrative:
My grandson,  XXXX   XXXX ,  XXXX  in  XXXX    XXXX  . He had a private student loan that I had cosigned for him. I have asked the loan agency to forgive this loan, but they refused. The loan agency is   XXXX   XXXX   XXXX    XXXX   XXXX , which is serviced by ACS Education Services (  XXXX   XXXX  ).  XXXX  's student loan account was  XXXX , and my account is  XXXX .   XXXX   XXXX    mother is on  XXXX   (  $  XXXX   )  and I 'm  XXXX  and working to supplement her  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
my wife and i took out  XXXX  catcall loans for {$2500.00} each during the  XXXX  of  XXXX  or   XXXX   when we missed payments they wanted everything in full with huge interest attached. we could not pay they called and harassed and sent letters about a year ago they gave the accounts or sold not sure to an attorney in los angeles now they want over {$30000.00} dollars in interest and they have put judgments on us for this. i do not feel like these dollar amounts are legitimate and have been reading articles that catcall was over charging customers with interest and had lost a lawsuit the attorney who has or works with catcall is  XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  CA  XXXX   XXXX  also cash call should have the records my name is  XXXX   XXXX  and my wife is  XXXX   XXXX

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 2017-04-17 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: IA

Complaint narrative:
1 ) Vis  a  does not disclose a human contact number for its 'giftcardmall.com/mygift '. I had to find a corporate number and i was told to enter  XXXX  # twice on the automated phone line to get human help. No option on the phone system to get human help  2 ) Visa doe s not disclose they do not do business with the  XXXX  website or the  XXXX  company itself. Instead  XXXX  declines the transaction and says the card does not match the customer registration name forcing the customer to try and contact the company. ( I.e. #  XXXX   ) 3   ) V  isa 's em ail complaint system limits consumer coplaints to  XXXX  characters.    4 ) Visa  's 'I am not a robot ' system is designed to frustrate customer to give up on their complaints.    5 ) Visa  's human rep speaks  XXXX  poorly and then become aggressive at end when consumer does not hang up first, but is waiting to see if there is a customer satisfaction survey at end of call.      *** Visa  needs to publish an online black list of businesses they do not do business with so customers do n't get declined when they try to do an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
On   XXXX   XXXX   XXXX    , I received a call from  XXXX . I did not answer nor did the caller leave a message. I looked up the phone number on  XXXX  and the number came up as  XXXX   XXXX .     I tried to call the number back, it is actually a debt collector called, The Revenue Group.     They are impersonating themselves pretending to be a legit company to trick the receiver of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
This company continues to call and leave messages after I 've told them I do n't have the money. Calls my job anonymous after told not to call me at work also made a in person at my job on   XXXX   XXXX   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 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I do not owe   XXXX   XXXX   I never made any arrangements with this  3rd pa rty and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: AZ

Complaint narrative:
I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine (   XXXX   XXXX   XXXX   ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CARD Corporation
State: FL

Complaint narrative:
On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my  XXXX  and  XXXX  please remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another  Nissan loan  in my name as a co-signer for my daughter and my husband  has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Financial Corporation of America
State: UT

Complaint narrative:
I fell behind on payments but have been as steadily making payments as possible with th exception   XXXX  of 17.  I called for help they were able to offer me none. The calls and messages are unbearable as they were several times a day and even the day after I made a large payment to their corporation  XXXX /17  . I asked on  XXXX /17   that they stop calling me. On  XXXX /17    XXXX  MST and again  XXXX /17    XXXX  MST for some reason the calls have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am writing to your agency in hopes you can help me to dispute some charges made on my   XXXX   XXXX    XXXX   XXXX . I got contacted by   XXXX   by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4000.00} was on my   XXXX   XXXX    XXXX   XXXX  card.  XXXX  promised me for services that were never rendered. I started with them on  XX/XX/2016    they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to  XXXX  paying these fraudulent companies and they ignored my calls after a while.

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