vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To CFPB, I would like for you organization to start entire investigation on my case, the said complained XXXX XXXX XXXX. as Trustee for Merill Lynch first Franklin Financial Mortgage Corporation with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On XX/XX/XXXX an electronic payment from my bank was submitted to Navient in the amount of {$450.00}. The account was initially XXXX but was changed to Navient. I initiated payments through my bank because of problems in the past when I used their web based payment, with similar issues-NO Payments received. Navient claims they never received the XX/XX/XXXX payment and suggested I contact my bank to see who the payment went to. I contacted XXXX and they confirmed that the electronic payment was made to Navient. I provided Navient a bank copy of the electronic transaction provided below by fax on XX/XX/XXXX, in addition to previous electronic transactions through XX/XX/XXXX. Navient still continues to state that they have not received the payment. See Transaction Below : Payee : Navient, XXXX, Amount : XXXX Payment type : Electronic, FREE_CHECKING, **** Deliver by:XX/XX/XXXX ; Confirmation : XXXX ; Status : Completed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I financed a care XX/XX/XXXX for a little over XXXX. It is XX/XX/XXXX and the amount owed on my car is XXXX. I also put down XXXX when I purchased my car. I made payments on time for a year like I was told and that Santander Consumer would report every 27 days and I would then be able to get out of my car which held a high interest rate within a year. That did not happen. I dont understand whats going on. Although I made payments on time for over a year I am not stuck in my car paying money towards a loan that is ultimately not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
At XXXX I received a call from this man and he said he wanted to speak to someone who had my name. I said it was me and I asked who was it and immediately this man threatened to record the phone call and did not identify himself. I do not know where this person got my name and my home phone number. As soon as I heard that the phone call was going to be recorded illegally I hanged up because this was clearly illegal and out of order. I assume this man wanted to rob my identity and was impersonating a collection agency agent but I do not have more information to confirm this but I will not share any personal information with unknown callers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation
State: TX

Complaint narrative:
my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XX/XX/2016, American Express representive stated my 0 % interest would continue because my husband is a disabiled veteran. Then XX/XX/XXXX a second representative stated American Express is working on it since I sent in my husbands XXXX already that was requested. I waited a few months or so and called American Express again. The third company representative told me that the reason the interest rate was not 0 % is because I took my husbands name off the credit card. I gave him the info for my husband. I even received my husbands card. The rep reassured me 4-5 times that " all is taken care of '' and " he will process the XXXX percent retroactive to XX/XX/2016 ''. When I called again, now I am being told that my interest relate is 13 % and nothing can be done after MONTHS AND XXXX Am express reps told me the 0 % interest rate would continue. 
I keep telling the new reps that I spoke with that because I was promised 3 times by XXXX different am express representatives that the 0 % interest needs to be honored since husband is a XXXX veteran, I was told by XXXX reps, I have written the CEO 2 letters stating it is the right thing to do as a best practice business decision this one time PLUS train their customer service representatives the correct information so this never happens again to a XXXX veterans family at a financially pressing time. 
If I was not reassured this 0 % interest rate would not continue, I would have been paying down this bill instead of doing lump sums to my other bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
A DUPLICATE CHARGE APPEARED ON MY ACCOUNT FROM A HOTEL STAY. DESPITE A DOZEN CALLS TO RESOLVE THE ISSUE, AS WELL AS A CONFERENCE CALL BETWEEN MYSELF, AMERICAN EXPRESS SERVE CUSTOMER SERVICE, AND THE HOTEL - DURING WHICH CALL THE GENERAL MANAGER OF THE HOTEL SAID THE DUPLICATE CHARGE WAS RELEASED BY THEM ON XX/XX/2017 AND SO THE RELEASE OF THE DUPLICATE CHARGE SHOULD BE REFLECTING ON MY ACCOUNT - STILL THIS FDIC-INSURED PREPAID AMERICAN EXPRESS SERVE CARD TECHNICAL DEPARTMENT REFUSES TO RELEASE THE DUPLICATE CHARGE. THEY ALSO SEIZED {$100.00} FROM MY RESERVE ACCOUNT TO COVER THE NEGATIVE BALANCE CREATED BY THIS DUPLICATE CHARGE WHICH WAS RELEASED ALREADY BY THE MERCHANT ( THE HOTEL ), BUT AMEX SERVE LABELED/EXPLAINED THEIR FORCED TRANSFER FROM MY RESERVE ACCOUNT AS HAVING BEEN DONE TO COVER THE CARD 'S MONTHLY FEE. BUT THE CARD 'S MONTHLY FEE IS ONLY A DOLLAR, AND THAT MONTHLY FEE IS WAIVED FOR DIRECT DEPOSIT CUSTOMERS, OF WHICH I AM ONE. SO NOW THEY ARE FALSIFYING TRANSACTION LISTS/STATEMENTS. IT SEEMS LIKE THIS SUBSIDIARY OF AMERICAN EXPRESS HAS GONE ROGUE, AND IS UNDER LIMITED TO NO SUPERVISION BY THE PARENT ORGANIZATION. ALL THE CUSTOMER SERVICE CALLS HAVE BEEN TRANSFERRED TO THE PHILIPPINES AND DESPITE THE FACT THAT THEY SPEAK ENGLISH AS A SECOND LANGUAGE, THERE STILL SEEMS TO BE A LANGUAGE BARRIER EACH TIME I TRY TO EXPLAIN THAT THIS IS A DUPLICATE CHARGE, NEVERTHELESS, WHEN THE MERCHANT THEMSELVES GET ON THE PHONE AND SAY THAT THE CHARGE HAS BEEN RELEASED, IT DEFIES LOGIC AS TO WHY IT REMAINS ON MY ACCOUNT, EFFECTIVELY BLOCKING ME FROM USING MY ACCOUNT THROUGH NO FAULT OF MY OWN. I HAVE READ SEVERAL ONLINE COMPLAINTS OF USERS OF THIS CARD HAVING THEIR MONEY AND DIRECT DEPOSITS STOLEN BY THIS PREPAID CARD COMPANY, AND I AM AFRAID THAT MAY HAPPEN NEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I had an account with XXXX Utilities which was bought by Transworld Systems. Transworld is reporting to XXXX that my account was placed for collection XXXX/XXXX/XXXX. I left Pennsylvania in XXXX XXXX where the account was located due to XXXX XXXX. Therefore the date Transworld is reporting as the " date placed for collection is incorrect. I disputed the date with XXXX that Transworld is reporting and they refuse to update it to the correct date which would be XX/XX/XXXX or XX/XX/XXXX. I need the date corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express cancelled my account and says its cause of returned checks and I do n't even have any checks I would like to request a copy of the checks that were returned and like my credit line back to normal

Company response to consumer: Closed with explanation