vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: NC

Complaint narrative:
My work phone is reserved only for my family. I'm a XXXX. I can not get phone calls to my XXXX. Apparently this company has purchased my student loan debt from previous collector. I was working with the other agency. Never heard of this company before. I called back and spoke to XXXX with Account Control Technology at extension XXXX. THEY WERE NOT GIVEN PERMISSION TO CALL MY JOB. They XXXX  and researched where I worked and called here to harass me. The other company never had my number to my job. I will GLADLY give them my cell phone number. The lady was rude, attempted to prevent me from talking. These companies don't send anything in writing. Very ambiguous. I'm not sending a dime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2019, my wife and I visited Chase bank branch at XXXX XXXX, XXXX, XXXX, IN XXXX. We asked the banker to add my wife 's name into my existing checking and saving account. The banker scanned my wife 's ID and added her name to my account. However, a few days later, we got an email from Chase said the documents are not completed and we need to come back to the branch to fix it. 

We went to the branch the second time and the banker scanned my ID. A few days later, I found both my checking account and saving account were frozen. I called Chase custom service and they said they can't find my wife 's ID! 

Then, we went to the branch the third time and re-scanned all our documents, and finally had our accounts activated again. 

Due to the period of the account frozen, we had been charged at least {$58.00} for returned payment. The banker promised to handle it but never reply my inquiry email after I send him the documents about these charged bank fees. 

In addition, we are very concerned about the way they handle our privacy and personal documents. We think this branch doesn't properly train their employees and they have no idea how to correctly handle custom 's personal documents. They lost my wife 's ID. 

In summary. We want the branch to reimburse the loss caused by their mistake and have a full investigation on their way of handling customs ' personal documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America checking account was charged {$1600.00} in which I never authorized on XX/XX/19. I contacted the merchant XXXX XXXX and the Bank of America to dispute the charge. They refused to refund my money eventhough I did not use my card or give anyone permission to utilize it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My personal notebook was stolen by me in a public place with all my personal information. PIN # s. User ID, passwords. and that included my debit card from NFCU, ID. They went to withdraw money from the ATM/Bank. 

I called NFCU right away and they closed my accounts and opened new ones. I immediately changed all my passwords and put a lock with the 3 credit bureaus. 


All my other banks blocked the transactions except NFCU. The thiefs were able to go into my account and take all my money out. 

I have waited the appropriate time with NFCU to find a resolution. Everytime I call, there is no update on my case ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had several accounts opened by fraudsters and it is now severely impacting my credit and attempts to rectify it have proved moot and unsuccessful. 

Bank of America had allowed my account to be compromised then subsequently reported me me to XXXX XXXX for an amount just over $ XXXXUSD. I am now unable to open an account to sufficiently build up a deposit history in order to buy a home ( which will be nearly impossible now with my credit score having sunk to under 500 because they also allowed someone to open a credit card in my name that they maxed out in under two days and I am now suffering from it ). Disputing information with this bank has proved pointless and they are proving to be vultures. 

This problems with my finances are making living everyday life hard and I am at the point where my mental health is suffering because of it. I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX, person or persons unknown used my debit card number through Paypal and 3 transactions took {$1200.00} from my bank account. The bank disabled the card and issued a new one. I contacted Paypal whereupon a representative confirmed the fraudulent transactions. I was told that it may take 10 to 15 business days to get the funds returned to my bank. They would not send me an email confirming the conversation or anything that was told to me. I was only given a reference number. My bank tells me they can do nothing to facilitate the return until Paypal has acted. The money was meant to pay local property taxes that are due XXXX XXXX. I and my wife are seniors on fixed income. We now no longer have the funds to pay the taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
National Credit Audit company removed debt from credit report but it was added back and I have yet to receive any notices of how it was verified and why the debt was re-added {$2900.00}. The original creditor was unable to send verification. The complaint is that they are not providing the documentation used to verify this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I WAS CONTACTED BY XXXX AT MONEYLION ON XX/XX/29 WHO WAS ASSIGNED TO MY LOAN TO HELP RESOLVE MY ISSUES. TO DATE, MONEY LION HAS VERIFIED THEY WERE TAKING LOAN PAYMENTS FROM AN AUTHORIZED ACCOUNT. SHE INFORMED ME THAT SHE WOULD CONTACT THE REPORTING AGENCY TO HAVE ALL LATE PAYMENTS REMOVED AND MY BALANCE UPDATED. AS PER MY SCREENSHOTS THIS HAS NOT BEEN DONE. THIS IS CAUSING ME PERSONAL PAIN AND SUFFERING. PLEASE HELP WITH THIS. XXXX HAS STOPPED RESPONDING TO MY EMAILS AND PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been having issues with Synchrony Bank credit card ( specifically the Gap credit card ). There have been issues in the past that when the statement ends with a negative balance it is shown as {$0.00} instead of the negative balance when it carries over to the next month/billing cycle. As a result, I am not given my credits and I am being over billed by the credit card company. 

This is the second time that I have caught this issue and I am afraid that it has happened many times prior. I would like to have a thorough audit done to provide proof that I have been given all of my credits and not over billed. 

I have enclosed my statements from XXXX, XXXX, XXXX 2019. The ending statement on XXXX 2019 was {$0.00} but in fact, it should have been a negative balance of - {$710.00}. This negative balance was not pulled over to XXXX cycle, instead they pulled over {$0.00} and therefore I was not credited the {$710.00}. Interestingly, they did do it correctly in XXXX and pulled over a {$290.00} credit. Very weird to say the least. 

This exact scenario happened about one year ago with this credit card company and I called the credit card company and it took me multiple days of phone calls for someone to finally look at the balances and do the math to see that I was correct. Then, when they corrected the issue they just moved numbers around but never actually gave me the refund, however I did not print the statements prior to them making the changes and I had no proof. I feel that this has happened a number of times over the years and is happening to customers other than myself. 

I would like the credit that I am owed and a thorough investigation of my account to see if I am entitled to additional credits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: AZ

Complaint narrative:
XX/XX/2019 - XXXX XXXX  company informed me my loan payment for the prior month had not been made. This is incorrect. 

I mailed and the check was cleared from my account on XX/XX/2019 for the amount of {$86.00} for loan XXXX this was sent pay to the order of Data Mortgage dba Essex Mortgage. 

I have been transferred twice since then and they have failed to forward this payment to my past 2 mortgage company which is in violation to the 60 day transfer of payment date for a mortgage company. 

I have been trying to resolve with XXXX, in Essex Mortgage servicing, phone number XXXX since XX/XX/2019 and it is now XX/XX/2019. I have contacted XXXX, XXXX XXXX, phone number XXXX to have her help resolve and it also has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was behind two payments and asked for a loan modification. A modification plan was set in place and I met the agreement plan. I was told that after the period of the loan modification the new agreed payments would be my new mortgage payment for the 16 year term of the loan The modification was made with Ocwen Loan Service. In the interim my mortgage was passed on to a subsidiary PHH Loan Services.  They disregarded the new modification and sent a new proposal amortized my principle to forty years and a balloon payment of XXXX at the end of my 16  year term. I told them that I would not accept those terms and that I rather keep the modification agreed upon with Ocwen. I have been making payments but the debt collectors said if I did not agree to sign the balloon agreement then they would reject my payments and then force us into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, Equifax took 35 points away from my credit score for XXXX XXXX trying to collect something they shouldn't have. XXXX and XXXX  removed them from my credit report, after I disputed but Equifax did not. Equifax only closed this account. I never paid or owed them as I paid the original creditor XXXX XXXX XXXX. This seriously effected my credit score, so I contacted Equifax on XX/XX/XXXX. The lady I spoke with was clearly not hearing me, talking about there score model and other factors. I stated there are no other factors for XX/XX/XXXX, XXXX XXXX was the only factor and if you took away 35 points, why haven't I gotten my points back. They were never supposed to be on my credit report, hence XXXX  and XXXX  removing them and giving me my points back. I am writing this complaint because Equifax is not reporting correctly and it is causing me harm. I asked them to fix this and they are not willing to do so. Furthermore, there have been countless complaints against XXXX XXXX and I believe they should either be sued, shut down or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC
State: MD

Complaint narrative:
On XX/XX/31 I applied for a loan with Kashable. After applying and pulling my credit report Kashable advised that I had been approved for a loan paid through payroll allotment. I was asked to submit 3 months of banking statements, a copy of my photo id, a copy of my social security card, proof that I set up an allotment to pay the loan, and a utility bill. Subsequently AFTER SETTING UP AN ALLOTMENT that I can longer cancel. I was advised the loan was denied. Kashable is on social media and has reviews of other customers who by virtue of photographs appear to be in their XXXX, XXXX and early XXXX. I believe that Im being discriminated against based upon my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi I went to a local bar on the evening of XX/XX/XXXX and made two separate transactions for drinks in which i even recall signing for in the estimated amounts of $ XXXX {$40.00} & $ XXXX {$50.00} for each transaction. The next morning I realized my card was missing from my posession and than noticed on my citi app there were multiple transactions of {$200.00}, {$380.00}, {$35.00}, and there was also a {$40.00} something charge that is no longer on the account for whatever reason. I only authorized and signed for 2 transactions which im only aware of around {$30.00} & {$40.00} amounts. I immediately called citicards to dispute this, the investigation went on until i recieved notice today XX/XX/2019 that my dispute was rejected and I owe all the amounts. Very poor security with there cards and service. They should be embarrassed of themselves that ive been a client for around 15  years with several different accounts, loans, financials, etc & through the years a few minor disputes that always resolved because im truthful. Well in this case they do not want to help secure my dispute and feel completely betrayed by the banking repationship ive had with citibank for so many years. This is disgusting on every level, they should be ashamed of themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C.
State: CO

Complaint narrative:
XX/XX/19 I have attempted to obtain information from Kohn Law Firm about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. Kohn Law firm claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is XXXX XXXX , XXXX. 

Kohn Law Firm XXXX XXXX. XXXX XXXX, XXXX . XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP
State: WA

Complaint narrative:
Key Bank XX/XX/2019 Went to branch & requested all accounts closed ; checking, savings, credit card. Received check for savings balance while at the branch. 
- Received email about account activity. Logged in & saw further activity on account ( credit card not closed out, account fee assessed, otherwise no balance for any charges ). 
Contacted customer service via bank website about account fee, was told CC account is still open. 
XX/XX/2019 Went to branch to follow up, manager assured me account would be closed, fees reversed as bank error. Manager said additional check issued by bank to me as CC fee refund XX/XX/2019 {$25.00} needed to be returned to bank in order to close CC account. 
- Received {$25.00} check in mail XX/XX/2019 Brought {$25.00} fee refund check to branch to close account. Received receipt from bank confirming their receipt of check & closure of all accounts. 
XX/XX/2019 received email about account activity. Contacted customer service via website, received reply that CC account still open. Unnamed account fees assessed, balance of {$0.00} I don't have a fax/scanner/copier but I can make copies at work and mail them in via USPS if needed.

Company response to consumer: Closed with monetary relief