vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Someone has made numerous payments to my Best Buy acct ( XXXX XXXX XXXX XXXX ) for months now I reported this to Best Buy and they have purposely mislead me for months sending me to the Fraud dept Today ( XXXX ) they informed me ( XXXX XXXX that it was not fraud but XXXX XXXX   problem Not true XXXX XXXX  ( XXXX XXXX states that there is nothing they can due about the over the phone payments Citi ( Best Buy ) will not furnish the routing and acct. nos so I can file a police report They are falsely reporting negative info to the Credit Bureaus for months XXXX XXXX XXXXXXXX XXXX XXXX have been notified by me of these fraudulent payments Citi ( Best Buy ) continues to give me the run around I had three ( 3 ) gift cards stolen XXXX reported them stolen the same day Best Buy let someone use them in New Jersey same day without having the cards just the nos No ID was checked and Best Buy sent me the duplicate rects for the transactions for the Ipads To date Best Buy has not responded S/N are on the rects

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, Bank of America sent me a letter informing of their decision to close my credit card. 

They listed reasons that did not apply to my account, my relationship with the bank and an inaccurate credit score. 

I was very concerned, as this is the second credit card closed by Bank of America. The previous closure did not provide a letter indicating the reason for closure.

I spoke with withe 5 different Card Services agents over the course of 30+ days and communicated with them via XXXX. 

Although the last person I spoke with, XXXX, agreed that the reasons listed in the letter did not apply to me, based on their review of my credit report, My accounts remain closed. 

A letter from Bank of America dated XX/XX/XXXX simply stated that we accurately reported to the consumer credit reporting agencies. At this time we consider your dispute closed. 

Curiously, my problems began when I retired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: GA

Complaint narrative:
Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc.
State: KS

Complaint narrative:
The attorney violated our right to the Consumer Protection and to the KS statute of limitations on this case. This case was paid in full but they went ahead and left us with nothing by taking everything for a case that was paid in XX/XX/2013 via bank check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Navient. Both XXXX  and XXXX failed to do an investigation before reporting false information. Navient failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In Capital One 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies Capital One and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if Capital One were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NC

Complaint narrative:
I have attempted to resolve this debt voluntarily on numerous occasions. I have now received a summons indicating that the plaintiff is XXXX XXXX XXXX. In contacting XXXX XXXX XXXX they have advised me that they sold the account a long time back to a company called XXXX XXXX. I think that Rubin and Rothman are baiting me into paying the debt by utilizing XXXX XXXX XXXX 's information on the plaintiff category. I now have 20 days to reply to this or they are executing a judgement against me. I question as to how many others have been in this position and how many were unable to provide an answer therefore a judgment against them was processed. They could be collecting millions of dollars through illegal judgments.

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 2019-09-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My Macy 's account was closed and charged-off. Macy 's kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

Macy 's ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I made a payment on my account through your IVR - when that payment didn't clear my account i called and spoke to an agent. I asked why it didn't clear my bank as of yet and the agent said they had no idea, they didn't see any issues on their end. Low and behold i started getting collection calls because my payment was returned for " invalid account '', i tried to go online today XX/XX/XXXX to pay the balance and your website said the account i was trying to use was invalid so i couldn't do that. I texted w. an agent through your secure chatline and they refused to waive the fee for me - oh by the way, the canned responses they sent didn't even make sense ... why would i have evidence from my bank for a late fee and finance charges you billed me? Someone from your comms team should look @ that ... anyway i called in to speak to an agent - obviously routed to collections because i am past due - i paid the bal in full w the agent - USING THE SAME ACCOUNT # From the IVR payment and the SAME ACCT # i tried to type into your website that you said i could not use. I asked to have the LF & FC removed as you can see I am a PIF CM, but like a robot your agents can not think outside of the box because your system said it was not a bank error. The agent said they would log a complaint for me, to which i responded that no one would ever even read it in the mix of the 1k of complaints you get on a normal basis, so i am logging this w. the CFPB in hopes someone has the ability to think outside of the box and see that these fees should be adjusted based on the circumstance. I paid, i called to ask why it hadn't cleared, and i just paid again - i am not gaming your system, i am trying to pay my bill. Look @ the line you gave me, i clearly have good credit, but i have zero issue closing this card and using another. I charge thousands on my cards monthly and always PIF. So in short, i would like LF and interest billed removed from my account.

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 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2018 I was marked for {$620.00} on an account I had no involvement with I never opened an account and have been wrongfully marked for something I never had open

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was given til XX/XX/2019 to purchase flood insurance by bbva. I did so and my insurance agent sent the proof of insurance on XX/XX/2019. He also called to make sure everything was received. On XX/XX/2019 bbva purchased flood insurance on my behalf then cancelled it and only refunded me a portion of the premium back. Cost of premium was XXXX and refund amount was XXXX. I did what was asked if me on time. The letter just says to respond by XX/XX/2019 and I did that several times also. Still I had proof that I purchased flood insurance before the deadline and all the info was sent to bbva on the XXXX of XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy since XX/XX/XXXX has illegally put hold on {$9900.00} Checking and ( {$9800.00} in savings for no explanation Navy has illegally transferred {$9900.00} to payment of line of credit but is still holding the {$9800.00} in savings to date In the mean time they are reporting my payments late to the credit Bureaus If they can illegally take the checking {$9900.00} why are they holding the {$9800.00} savings They were both deposited on same day The funds obviously are good or they would not have illegally taken the {$9900.00} in the checking to pay the payment on the line of credit Navy has continued to lie to me as for a legit explanation Navy is a bunch of thieves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I went into SunTrust Bank on XXXX and deposited a check for {$2100.00}. I was assured by the teller that it would be deposited and the funds made available 24 hours later. The very next day on XXXX, I had no access to the online banking portion of my account. I went back to SunTrust to see what was going on, I was told by the personal banker that they suspected the funds were not in the payer account to cover the check. She then asked for a screenshot of the the check issuers bank account, showing they had enough money to cover the check. ( which I thought to be completely unprofessional ) I spoke to the issuer and they were willing to comply with the request for the screenshot, but then the personal banker said she didn't need it anymore because the issue was being investigated. I figured all of this would be worked out by the next day on XX/XX/XXXX, so I returned home. The next morning on XX/XX/XXXX I received a letter in the mail from SunTrust stating that a hold has been placed on the funds until XX/XX/XXXX. I then contacted SunTrust to see what was going on and how we could resolve this, again. I was told my account was frozen and would be closed " due to rules and regulations violation, '' representatives for SunTrust told me that there was an investigation taking place because the signature on the check had not been verified, but as long as the check cleared on the XXXX at XXXX XXXX. my account would be retained by SunTrust and there would be no issue. Of course, the check cleared on the XXXX at XXXX XXXX as I knew it would, but now I am unable even get a stop payment put on the check because SunTrust has cashed it with XXXX XXXX, which is the issuer 's bank. I have called every day trying to seek a resolution, but keep getting told there is an investigation and my account will be closed when the investigation is done. 

I believe SunTrust is in a direct violation of the Expedited Funds Availability act of 1987. They have denied access to my account and any funds for way longer than the law allows. Also, I believe them to be in direct violation of their own account rules and regulations. 
Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations [ 1 ].

It will take 5 to 10 business days before the investigation is complete, 5 to 10 business days for my account to go into " closing status '', and another 5 to 10 business days before they would send the check for my remaining balance and I have already been cut off from all my funds for 8 days. My  power is off, I have XXXX small children and my car insurance is due. We can not survive. 

Someone please reach out to me. At the earliest possibility, as I previously stated my power is off and we have no way to feed our children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to qualify for a mortgage loan. In order to do so, all three credit bureaus need to be checked. All of the bureaus checked out except Equifax, which is claiming fraud on my account. I can not create an account online due to error code NH. Upon calling, I was told to fax in two forms of ID. The customer service representative first gave me the wrong fax number. I called again, got the right fax number, and sent the documents. Equifax refuses to verify they have received the documents until 5-7 business days later, despite that sensitive security information is being sent over. 5 days later I call in and was told the documents had not been received, and to send them in again and call to confirm receipt. I did as told, and when I called to confirm receipt they told me again it would take 5-7 business days. After 7 business days I call again and am told the documents were not received, probably because they were ineligible but the rep was unsure of why not. I have probably talked to 15 different Equifax people since then via email, phone, and website chat. They have no option of emailing in the documents and no way to verify they have received the information. I just want to get my home loan but am about to lose my first home purchase due to Equifaxs sloppiness. Every time I call a rep gives me new instructions of what to do, I have even XXXX over the documents to them and they still cant fix the problem that they created in the first place. My credit score works for every other bureau. They keep telling me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Filed Dispute with Capital one for merchant XXXX XXXX in XX/XX/2019 asserting that merchant said at the time services were rendered that they were a participating member of the XXXX XXXX XXXX XXXX XXXX and since the service date was saturday XX/XX/2019, they could not verify my coverage so they would have to charge to my credit card the full uninsured value of service and after verifying coverage on the next business day, merchant would refund the full amount on the credit card and send invoice for the copay. 

Merchant never refunded the money and merchant filed insurance claim and was partially reimbursed. 
Total charge from merchant was {$1300.00} and I filed dispute for {$900.00} which is the amount that merchant should have credited after insurance XXXX XXXX XXXX XXXX disallowances and copay under their XXXX XXXX XXXX XXXX XXXX contract. 

Capital one sent letter on XX/XX/XXXX with incorrect city name ( XXXX ) when my city name is XXXX. Letter was received late on XX/XX/XXXX as a result and past the deadline to sent rebuttal. 

Merchant refuses to accept my inspite of their address error.

Company response to consumer: Closed with explanation