vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I have a bank of America credit card with a XXXX credit limit. 

I made a payment online of {$4500.00}, but I accidentally typed {$45000.00}. 

BoA let the payment go through ( which seems crazy - what if i typed in $ XXXX ). 

Oh well, my bad. This overdrew my checking account by approximately {$40000.00}. I immediately called BoA and told them cancel the payment and send the money back. They said they " sent the money back '' to my checking account. The credit showed up min my bank the next day. All was good. 

A day later, BoA AGAIN debited my account for {$45000.00}. when I called BoA the second time, they said that they are have to run it twice and that they will not stop trying to clear the {$45000.00} from my account. 

This was news to me. The first time I spoke with BoA they they DID NOT tell me that they would try to run it again. If they did, i would have put a " stop pay '' on it with my bank. 

I spoke with XXXX at Bank of America on XXXX around XXXX AST. 

Be careful paying your bills online with Bank of America. Their system is flawed and does n't ' have you review the amount you are paying. And if you enter the wrong amount, they will not actually let you correct it - they will lie to you and tell you it 's corrected, but then they say " oops, sorry the person you spoke with last time told you that. There is nothing we can do. '' I think they did this to encourage me to open a checking account at BoA.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Shortly after graduation from law school, I began working for the XXXXXXXX XXXX XXXX as an XXXX XXXX XXXX. At that time, I decided to accept the terms of the Public Interest Loan Forgiveness Program. I contacted FedLoan Servicing in early XXXX and was informed that several of my student loans were Federal Family Lending Program loans, not Direct Loans, so they would need to be consolidated. I asked XXXX to identify the loans which needed to be consolidated and they did so. I consolidated all those loans they identified. They are the consolidation loans in XXXX of XXXX. I also applied for PSLF certification. I have applied for PSLF certification at least three times. XXXX never indicated that these loans were not eligible as a resolut of my certification applications until XXXX. 

In XXXX when I applied for PSLF certification with my new employer, the Florida Legislature, XXXX informed me for the first time that three of my outstanding federal loans were not PSLF eligible. These loans were identified by XXXX as eligible for PSLF previously and that it why they were not consolidated. XXXX refuses to acknowledge that they are PSLF eligible or credit the on time payments made so far on these loans. This is despite the fact that these loans are owned by the U.S Department of Education and Guaranteed by the Federal government. 

I contacted XXXX on this issue in XXXX of XXXX. They requested time to work on this issue. Every time I call or write XXXX sends me to a new individual who promises to look into the issue and contact me, but they never do. I have called, I have written, and done everything in my power to try and resolve this for over a year. At one point, the individual " assigned '' to resolve my issue was allegedly terminated and his entire unit disbanded. 

XXXX 's only solution has been to consolidate these three loans anew, even though I was told they are PSLF eligible and they should be PSLF eligible. This would start my 10 year clock on PSLF over. Because I would still be a public servant on income based repayment it would effectively extend my PSLF term to 15 years instead of 10 because of mistakes made by their employees. This is not fair, and it is not right. I should not have to file a law suit to make the government and their service providers live up to their side of the bargain. I simply want credit for my on time payments. Extending my term to 15 years will continue to delay significant life events for me. It will put off home-ownership, purchase of a vehicle, and could even impact decisions such as marriage or having children. I just want XXXX to do the right thing. 

I have attached documentation. Please review this as well for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: NE

Complaint narrative:
As of XXXX, this company is calling me and asking for a debt ( from a decade ago, when I was a minor ) that I do not owe as I paid it off years ago. They are calling me repeatedly and not giving much information other than the amount of the supposed " debt '' ( thousands of dollars, which is n't remotely near the original debt ). I 've asked them to prove that the debt is owed, and they sent me an email. I mailed them a debt validation request to which they have not responded. Instead, they just keep calling. 

They are called Miller Stark Klein and Associates. It 's the belief of me ( and hundreds of others, per my research ) that they are illegitimate. Most of their positive reviews seem to be made up. I do n't understand how they are allowed to remain in business considering that they are threatening people with legal action without having even sent anything in the mail. 

Although XXXX the company name returns an address and phone number, XXXX the address does NOT turn up their company name, and XXXX the phone number turns up mostly consumer complaints. 

A XXXX search shows that this company has the same complaint from other consumers, and numerous BBB complaints. Not sure how they are allowed to remain in business. I worry too that they 'll just sell off my information to another shady or fake " debt collector, '' and the cycle will continue. 

Here 's one source of complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC.  For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have been trying to work with Navient to work out a payment plan that I can actually pay, and every time I talk to them they give me an outrageous amount that there is no way I can pay. After a lot of discussion and supposed misunderstandings on their part, they finally say that they can put the loan in forbearance for a few months. And If I 'm a day late contacting them or making the payment, which is still at the high payment that I 've told them I ca n't pay, they call at least once a day, myself and my husband both. The report monthly on each separate loan to the credit bureaus, a total of XXXX separate small loans. This is the third time I 've tried to work out a plan, I did n't realize until very recently that this is a common practice of theirs. I do want to at least attempt to get this paid off, but right now I have the only income, my husband is still recovering from a pretty bad accident last year, and we have the medical bills to try to pay off, too, so I do n't have a lot I can pay, but I would like to do what I can. But they just keep giving me a loan payment that is completely out of my ability to pay - which is over half of the household income - and putting my loan in forbearance, accruing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am trying to get resolution with TransUnion regarding accounts on my credit file. I am exhausted disputing XXXX XXXXXXXX XXXX XXXX and XXXX XXXX both collecting on the same debt on my Transunion file. I am aware of my rights according to FCRA and two collection agencies can not report on the same debt at the same time. Strangely enough I have requested debt validation but have received nothing. I have been disputing XXXX XXXX for so long, but never received in verifying from credit bureaus only an updated report verifying the item. I requested proof that I agreed to pay them any monies. I would love to see my contractual obligation to this company in which I have no business dealings ... Period! It 's really frustrating to be misrepresented by the credit bureaus for the debt they refuse to prove I owe. Transunion had had several glitch which remove and reinserted the items, but not once did they notify anytime after reinserted it onto my reports. That is also a violation of the laws put into place to protect me the consumer. I would like immediate removal of the items before I summon the ftc and consumer affairs. All these are clear violations according FCRA and FDCPA and I will enforce my rights including contacting my attorney general and Filing a BBB complaint.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, 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 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill. 
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one.  This is due to their complete mismanagement and spammy credit offers.

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 2017-11-02 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: NY

Complaint narrative:
On the XXXXXXXX I made a payment at capitol one credit card for {$1800.00} I have emails confirming the payment posted however on XXXX XXXX XXXX XXXX capitol one charged me again for the same amount, purchase adjustment, I called XXXXapitol one and they said they charged me twice and I will pay twice and they wont refund my money.

Company response to consumer: Closed with explanation