vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one closed my secured credit card account with a credit line of {$2800.00} in error on XX/XX/XXXX. I spoke to an agent named XXXX on XX/XX/XXXX, and at that time she was very vague about the situation. She kept me on hold for over 30 mins. When she finally returned to let me know why the account was restricted at that time, she was very vague. She said that I needed to call back the next morning, and speak with another department regarding this issue. I asked her what department should I speak with the next day, and she advised that she was not able to give me that information and to just callback. When I called the following morning, I spoke with a supervisor named XXXX. XXXX advised that my secured credit card account was closed along with several other secured credit card accounts due a system error. She advised that my card would be unrestricted within 5-7 days while they research this system glitch, and I would receive a call and a mailed letter regarding this issue within a couple of days. I called 5 days letter and spoke with another supervisor named XXXX. I advised her that I received an alert about my credit report, stating the account was closed, and my scored was impacted. She apologized for this issue. She said she didnt have a resolution date at this time. She said that they are trying to find out why the system did this to my secured credit card, so that they can either unrestrict the old card, open a new card, and send the security deposit of {$2500.00} that I paid when I opened this secured card in XX/XX/2014. She said they wont be sending back the deposit, or unrestrict the card until they research more. I advised that I had a XXXX balance, and I was planning on using that card for back to school shopping, and to pay some bills. She said they'll see about expediting this matter. It is XX/XX/XXXX, and I still havent received a letter or phone call from Capital one regarding this matter. My card is still restricted. Also, I want to mention that when I opened the account in XX/XX/2014, I was told that it was secured for 12 months of good payments and it would be switched to unsecured and I'd receive my {$2500.00} deposit back. I was never late, it's been open for 4 years, and never received deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
We have a contract with XXXX XXXX XXXX out of XXXX XXXX Nevada for 10 years. All of our payments had been made on time. After attending a meeting in XXXX XXXX in XXXX of this year, we were notified of info that we did not agree was a part of the contract we originally signed.. We have made numerous attempts to get in touch with their legal dept to no avail. In XX/XX/XXXX, we stopped making our payments to try and get a response from their legal department. We were contacted by someone from their legal department ( we later found out that it was a paralegal and not an attorney ) and were told at that time that our credit would not be affected as there were questions concerning our contract, and that an attorney would be contacting us to answer our questions. Again, we were not contacted by anyone. We made numerous attempts without any resolution. In the meantime, we saw that our missed payments were referred to Experion. This greatly affected both of our credit scores. We filed a complaint with Experion and we were told that XXXX would not tell them that any such agreement had been made. They said that XXXX 's report was in compliance with the fair credit reporting act and that nothing could be done to change it. We still haven't been able to correct our problem with 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 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I responded to an ad on XXXX and paid {$90.00} through XXXX for 2 XXXX concert tickets. I never got the tickets. When I called Ally Bank they said they were FDIC insured and would be able to get my money back. They then sent a letter on the XX/XX/XXXX saying that the transaction was legitimate and they would be unable to get my money back.

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 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
On or about XX/XX/2018 sun loans calls my sister in law otherwise referred to as a " third party '' attempting to call me although they have my phone number they make harrassing calls and threats and even let a third party know I have a open loan which is a clear violation of my FCRA rights I also advised them on several occasions I am unemployed and to Cease & Desist under U.S Civil Code 1592c section c however they refuse and my references have asked them several times to stop calling and they continue to harrass referenceces.

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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone fraud my name with a XXXX  XXXX card for {$460.00} XXXX XXXX XX/XX/2017 File number: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 2018-09-05 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: NJ

Complaint narrative:
My money is being stolen by the people the has control over my property address XXXX XXXX XXXX XXXX XXXX, NJ XXXX need help getting my property back from these people that has control over my property my money is being deposited into The Bank of America every month and credit cards has been order to steal my money every month.

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Multiple times if I was having trouble staying current on my student loans, I was only offered forbearance instead of any other option to make my loan more affordable for repayment. I was never offered any income driven options. In fact my loan was placed into forbearance 3 times over the life of the loan so far, equaling several years of interest accruing. To give details ; the initial amount borrowed in XX/XX/XXXX was {$67000.00}. The current that is owed as of XX/XX/XXXX is {$65000.00}. My monthly payment is {$600.00}. How can I possibly have only paid off {$2100.00} on my loan over the span of 17 years! This is outrageous! 

In every conversation Ive had with a representative of Navient ( Sallie Mae ) when they are calling to try and collect a payment, they always add the upcoming payment that may not even be due yet to the amount they are trying to collect. This makes it sound like I am farther behind on my payments than a truly am, and is very deceptive. 

When Navient took over Sallie Mae, they reported late payments that were over a year old on the new Navient account. This put a mark on my credit and decreased my credit score significantly. I filed a dispute on my credit report, but the mark still remained. Recently, I applied for the Public Service Loan forgiveness program. Navient was supposed to put my loans into forbearance during that time but didnt and now I have more late payments showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used wihtout his consent to apply for accounts and services. Applications for XXXX XXXX XXXX XX/XX/XXXX and CBNA/Best Buy XX/XX/XXXX were submitted using his information. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX  and XXXX. Official disputes were sent to both of these offices XX/XX/XXXX in an effort to remove these items from our client 's credit reports however as of this data neither organization has followed up with a reply ; this is a violation of the FCRA and my client 's consumer rights.

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I received a copy of my credit reports and noticed a collection account from Coast Professional Inc. on behalf of XXXX XXXX XXXX University. I contacted them and the credit bureaus to inform them that the debt is not mine and an account was created fraudulent and without my knowledge. I requested that the incorrect and verifiable collection be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
Received a telephone call at approximately XXXX XXXX  ( EDT ) from a gentleman representing himself as an agent for XXXX XXXX XXXX. He stated he was calling to follow-up on an inquiry I had made regarding debt consolidation. I had to ask for the gentleman to identify himself repeatedly. He claimed I had made inquiry about debt consolidation with Sequium and he was calling to verify my account information. I told him I had not made such an inquiry and wanted to know where he had gotten my phone number. I told him I would not give him any identifying information over the phone. The next day, I received a notice in the mail stating that Sequium was a debt collector and an account was sold to them for collection purposes. The caller misrepresented the purpose of the phone call by claiming to be a debt consolidation company and did not advise that he was a debt collector attempting to collect a debt and that all communication would be used for that purpose. He lied and was deceptive in his statements about being a debt consolidation company. This is a clear violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: TX

Complaint narrative:
XXXX XXXX  and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dynamic Recovery Solutions has been unlawfully harassing me every day Monday through Friday since XX/XX/2018 through today, XX/XX/2018 about a debt that does not belong to me outside of legally allowable phone call hours and they have continued to call despite my having repeatedly advised them that they have the wrong number - they refuse to state the name of the person they are calling for and keep demanding that I provide my social security number which I refuse to do since they have no legal authorization to contact me and keep ringing my phone outside of legal hours if they actually had a valid claim which they do not. 

This firm has a documented online history of unlawfully harassing and physically threatening persons who do not owe monies to them or anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had signed up for premium car rental insurance through American Express. In early XX/XX/XXXX I called to have this service cancelled. Since then they have continued to charge me and claim to have lost my cancelation and refuse to refund me the old charges. This is abysmal that they put the burden of proof on me to maintain a cancellation record ( they only send physical mail, refused to send me an email confirmation or a confirmation number ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is in violation of CA HBOR and RESPA guidelines. At issue is that a short sale package was submitted to SPS on XX/XX/17 and SPS is refusing homeowner 's legal right afforded to him under CAHBOR to avoid foreclosure. 

Lenders and servicers operating in CA are required by law to allow homeowners to avoid foreclosure and SPS is breaking the law by refusing to review homeowner for foreclosure alternative methods. 

Additionally RESPA requires lenders and servicers to acknowledge work out request packages within 5 days of receiving them. By automatically denying that review they are in fact violating RESPA guidelines. 

Lender must comply with the law and allow homeowner to proceed with short sale request and stop acting a foreclosure mill intent on charging fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR Recovery keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report ABR recovery changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a XXXX account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted ABR and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. ABR Recovery claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XX/XX/XXXX and XX/XX/XXXX and they do not provide anything because they don't have it. XXXX at ABR recovery even admitted over the phone it was a old XXXX debt. ABR also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to ABR Recoveries incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GREAT LAKES
State: TX

Complaint narrative:
XXXX XXXX and Great Lakes continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.

Company response to consumer: Closed with explanation