vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing in regarding to my XXXX " XXXX '' XXXX XXXX, account ending XXXX. I have been getting your annoying statements every month and each month the price keeps on increasing the amount due. I have closed the account and I no longer have an interest in your XXXX  card. I felt that they want to aggravate people by not waiving the fees. I have paid all the charges on my account. They claimed that the mount was paid got returned back to my bank and it was out of their control. So they charged me doubled to the amount I owed. Instead of waiving the fee as a customer courtesy since I did attempt to pay the amount. After writing them letters and calling them to waive my fees and remove the charges, they denied them. They kept on saying it was out of their control. They are not willing to make any efforts whatsoever. They never show me the bank withdrawn the mount or prove to me that the amount was withdrawn by the bank. According to my bank statement, the mount was sent as shown attached. They ceased my account on purpose so the amount in the account will accrue without me knowing. I am so stressed out when I see their bill every month. It started at {$24.00}, now it mounts to over {$150.00}. This company must be desperate for money. They ignore all my requests and I am their victim. Please call me at XXXX. I believe XXXX XXXX XXXX XXXX is FRAUD! They are cheating their customers by charging extra nominal fees, and neglect to waive any fees. Please help to resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX 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 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SRA Associates, Inc.
State: TX

Complaint narrative:
I received a second notification form this company about a proposed debt with them. XXXX XXXX handled this matter a while ago and yet i receive communication regarding this matter from time to time. 

This company has called my number repeatedly regarding this and i spoke with an agent today and informed them that this is not my debt and was the result of identity theft. I need these harassing calls to stop. this company continues to try and collect payment from me although i have already sent a letter asking that they cease with the calls and phishing regarding an invalidated debt that was the result of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am the cosigner on my son 's college loans. We were able to pay off all of his loans after receiving a lump sum of money. I used the repay links on the XXXX XXXX website, and it looked like they went through but the loans were not paid by my bank. I made several phone calls to XXXX XXXX who first told me the bank was declining payment. The bank ( XXXX ) claimed that they had not received any information or attempts from XXXX XXXX, which turned out to be true ... at that point ( a week after the first attempted payment ) XXXX XXXX told me it was because the amount was over $ 100K when all 4 loans were totalled. At that point, I tried to submit each repayment separately. This still didn't work so 2 days later I called again. This time the XXXX XXXX rep submitted 2 repayment requests at the same time that I submitted all of them ... and all 6 went through, for an overpayment of $ XXXX. I called to try to get it reversed and they said they could send me a check in 10 days. When I insisted that they were at least partially at fault, they said they could reverse the charges in 5 days. I waited 6 business days and " chatted '' with their customer service online again to see why I still had not received the money ... they told me XXXX today, XX/XX/XXXX, 2 weeks after my initial attempt to repay the loan ) that because the amount was so large it had to be approved by a " director '' and that would take an additional 10 days. They said they would not pay interest despite holding my money for what will now be close to 4 weeks. This is causing me completely unnecessary and inappropriate hardship and expense, is due to their complete failure of any proactive communication, and I suspect is a illegal. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
Bluebird through American expresss advertises get youre deposit up to two days early in which I always have in prior. Well yesterday was the day XX/XX/2018 it should have arrived and it hadnt. Already received email from employer indicating it was sent to bank. They ( bluebird ) didnt see it posted. I waited till today XX/XX/2018 and still not however when I tried to log in my account it wouldnt let me due to system issues on their end ) I call and they tell me they see it but theyre updating system give it 2-4 hours. Time passed and I call back and tell me 2-4 hours again. I used my actual bank account yesterday after hours expecting to be able to pull out the money from bluebird to cover it before overdraft fees occurred now I have less than one hour before the bank closes which locks in me getting fees because there now holding my check 2 days passed what it should have been. Im highly upset and expect my money and my fees to be credited to me or my bank. This is so not acceptable. They advised me upon one call  they have gave fees back before and I understand I chose to use my bank card that caused the fees but in my defense they were to remain consistent with providing my deposits as they have in the past. Its not my fault that they decided to cause such delays going on past 2 days so therefore I dont consider this my fault at any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: MA

Complaint narrative:
Debit my account later proved the amount was giving to me by the magistrate, bank keep denying of receiving the claim! 
They closed my checking account and saying due to suspicious online activities like hackers!

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 monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
'Amex advocate ' don't show me {$100.00} credit for a prior offer. Since this 'new offer ' attached, dated XX/XX/2018, " I didn't get the credit you promised ''. 

I received an offer from amex by email 'XX/XX/2018 '. This is what it said. Add new Additional Card Members to your account through this email and earn a {$25.00} statement credit after they spend {$250.00} in purchases on their Card in their first 3 months of Card Membership ( limit of four {$25.00} statement credits ). Offer ends XX/XX/2018. I did so and added 4 new members to my cc account, but I didn't receive the {$100.00} credit since this 'NEW ' offer attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX of XXXX, I experienced a mXXXX XXXX XXXX and lost a great deal of our family income. I contacted my mortgage provider to see if they could offer assistance. They shown do interest of assisting me in any way until I contacted HUD, who referred me to an authoring counselor who contacted my mortgage provider. I was then contacted by my mortgage provider on XX/XX/XXXX to complete a loan modification application. For 3 months I called to check the status of my application, but was always told that the underwriter was working on it. On XX/XX/XXXX, I received a letter in the mail stating my application was denied. The letter didn't clearly explain why, so I called but unable to reach my Loan Preservation Specialist. I then filed an appeal, citing the lack of due diligence given to my application and the fact that I have only been in contact with my Loan Preservation Specialist once in 4 months. I only provided proof of additional family, which included my wife 's income and XXXX benefit income from my XXXX son that we care for. After call daily to speak with a representative, I received another mailed letter on XX/XX/XXXX denying my appeal. I then went to my local branch of mortgage company and spoke with some that I enter ask with often. After explaining my situation, I was told off the record that since I have a large amount of equity in my house, the bank would make more money off my house if they foreclosed. I have been in my home for 10 years and don't want to loss it. I XXXX for a XXXX XXXX year old that would be place in a grave position. I have the income to resume my mortgage payment, I just needs a way to regroup the arearage.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for the Barclays black card back in XX/XX/XXXX. I was told i was denied then due to delinquent car loans, not enough consecutive on time payments with XXXX  XXXX and XXXX XXXX. The gentlemen told me if i got the car loans removed or fixed and at least 6 months of on time payments then I would get approved. 

on XX/XX/XXXX I applied again, since the last application I got the car loans removed and several fraudulent accounts removed as well ( 2 car loans and a credit card ) that were not mine. The girl i called with the reconsideration line rejected me saying she could see no more car loans existed and that I had on time payments dating back to XX/XX/XXXX but i got denied due to a charged off card in XXXX, short sale house in XXXX and XXXX XXXX card over the limit. My XXXX  XXXX card is {$88.00} balance of {$600.00} currently, my ability to repay creditors has greatly improved since the credit one charge off, my divorce in XXXX which i couldn't help was the reason by court order why i had to sell the house as a short sale. 

I am being deceived by barclays card when I am simply trying to fix my credit, now that I am more financially responsible and secure I believe i should have access to a great card. 

I want a honest reconsideration not a millennial telling me how I ran my life and putting Barclays in a deceiving position.

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 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Management Company Inc
State: CA

Complaint narrative:
I received a letter in the mail stating I owed my previous bank, XXXX XXXX XXXX XXXX, a balance of {$120.00}. Since I closed my account about a year ago, I knew something was wrong and wondered if the teller did not close my account correctly. I went into the branch near my home and got evidence that showed I have never had this debt and that I have never been sent to any collection agency. The teller I spoke to said that XXXX has not used XXXX XXXX XXXX in a few years and that they recently switched systems and a few of these letters have gone out and worried members have brought them into the branch wondering what they were about. She suggested that I call the toll-free number on the card, and nobody answered. I left a message and received a call back a few minutes later. The man I spoke to, XXXX XXXX, asked me to verify the day I was born and the very last digit of my social security card. I gave him the information because I didnt think he could do anything with such a small amount of information and told him I went into the bank and was told and given evidence that this debt does not exist. He asked who I spoke to, and when, and asked if i went into the branch physically. I said I spoke to a teller about 30 minutes prior to the phone call, and went to the physical location. I was a bit angry because I know I have never been sent to collections, and could not tell me any details on this apparent debt I owed. He said he needed to contact the issuer who gave him my case and that he would call me back. It has been over 24 hours and I have not received a call back from him. Today I did some research and found his business online, but the address does not match the address on the letter, nor does the address on his website match a legitiment address on XXXX maps. The website address is 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 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX from XXXX XXXX XXXX has repeatedly called my cellphone, my job, and even called me at a restaurant while I was having dinner with friends. He has called multiple times, up to 4 times, in a single day. So much that, the receptionist where I work has blocked his number. She stated to me that he had started getting rude to her.

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 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The American Express Serve and Bluebird services have been down almost 24hrs crippling thousands of people 's access to their funds. This is happening frequently now. The company refuses to provide any updates other than " we're working to fix as soon as possible ''. Again while thousands of people are left with no financial access. How do we hold such a large institution responsible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have notified Navient at least 4-5 times that I am unemployed because of an economic hardship along with the reasons. I submitted this to you and after their response of refusing to actually understand plain English that I am unemployed, even after sending them 3 forms, and a complaint through your service, nothing was understood by them between their ears. And you closed my complaint even though it was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi checking and savings account on XX/XX/2018 through a special offer. The terms of the offer were : Open a new checking and savings account, deposit {$15000.00} in new-to-Citibank funds into the checking or savings accounts. Maintain that minimum balance for 60 consecutive calendar days. Then receive {$400.00} in your checking account! I had deposited {$8500.00} on XX/XX/2018 into my checking and {$7000.00} into my savings on XX/XX/2018. I maintained that balance for 60 days ( 60 days from XX/XX/XXXX would be XX/XX/2018 ). I called Citi customer service on XX/XX/XXXX, and they notified me that the bonus showed as linked to my account and would post within 90 days of maintaining the balance for 60 days ( 90 days from XX/XX/XXXX would be XX/XX/XXXX ). I called again on XX/XX/XXXX, and the agent that if the bonus didn't post by XX/XX/XXXX to call again. I called again on XX/XX/XXXX, and the agent explicitly confirmed that I was eligible and should have received the bonus. The agent put a ticket for investigation ( the case number is XXXX and told me that I would be contacted by email within 2 business days. It is now XX/XX/XXXX and I have not been contacted. I have attached my transaction histories so you can see when the accounts were funded and that the XXXX balance was maintained up until today XX/XX/XXXX. Not once has Citi reached out to me despite not fulfilling their terms.

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 monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Several Months ago, I was contacted by a collection agency, XXXX XXXX XXXX XXXX, allegedly on behalf of a dental  office in XXXX XXXX. I was informed about {$2200.00} in outstanding dental bills owed to this dental office in XXXX XXXX area. I disputed the information and in order to prove the debt was not mine, I gave my medical information, XXXX XXXX and XXXX XXXX XXXX Information including my dentist information as a means to verify I was not the person owing any dental debt. They verified that I was not the person who owed monies to a dentist office in the XXXX XXXX area and stated they would remove my information from their file. 

Despite providing all my personal and medical information that they required and verified that debt was not mine, several months later, I find out that this company filed a negative information on my credit history. Due to this false information, 3 of my credit cards with other companies, with XXXX  balances, were closed. 

I called XXXX XXXX XXXX to demand that they remove the information from my credit reports and they demanded my personal medical information once again. I declined as I had already submitted to XXXX XXXX XXXX person several months prior. XXXX XXXX XXXX Collection Person refused to call reporting credit grantor to verify my complaint. 

I need some assistance to get this information off my credit report as it has cost me 3 credit cards that I kept with XXXX balances in case of an emergency. My credit score has suffered immensely due the failure of XXXX XXXX XXXX 's failure to verify information before destroying an innocent person 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANCORPSOUTH BANK
State: LA

Complaint narrative:
XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past 2 years with this company and they refuse to honor my requests. This agency increases the best by a dollar each week to ruin my credit when I have contacted them several times to remove this debt. 

They have conducted in a unprofessional manner and illegally collecting on a debt and increasing that debt twice a week to damage the debtors credit.

Company response to consumer: Closed with explanation