vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am currently going through a bankruptcy and I was told by my lawyer to have any debt collectors call them. I informed Navient on my federal and my private loans of this information back in XXXX 2016. They are now calling me harassing me for payment, they have also sent my private loan to the collection department. When I tell them that they are to contact my lawyer they now are telling me that there is nothing on file and that they are allowed to call me. I told them to pull the phone calls and go back in there records, they are refusing to do that and are still continuing to harass me. They are also contacting me by mail. I have ceased them from calling my cell phone and they are continuing to call me. When you received the default notice I called the Navient phone number on the notice and again gave them my lawyers information ; and they are still continuing to call and harass me for payment. They have violated the FDCPA several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchesed a prepaid gift card and put {$300.00}. On it at register. When i opened packaging I noticed te last 4 digits of the credit card number were scratched of by someone. I immediately went back to vender ( XXXX ) who then called card services at US Bank. Card services explained that the card was good and to use it with last XXXX digits that show on receipt. After the card declined i once again called card services who again told me the card was good and to try using it at XXXX to purchase something. Of coures it declined and by that time someone had already stolen the funds. Card services fraud explained it would take up to 90 days to investigate. After calling twice for status and being told there was nothing yet to tell me it has now been 91 days. They told me they have no notes at all for me and are escalating an enquiry. I feel ripped off by US Bank as much as I do by the persons who used the card. US Bank has had three month to resolve this and hasnt. They dont even have any information for me what so ever. The card was clearly purchased compromised and I am entitled to a refund.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On Monday XX/XX/XXXX my wife tried to use her debit card to make a purchase and it was declined, she checked her account to find out why the transaction was declined and found out that her account was overdrawn. She called the XXXX on the back of her card and was told there was a fraud hold on her account and was transferred to the fraud department, after holding for over 2 hours she was told the fraud department was closed and to call back the next day. On Tuesday, she called back and the fraud department said they were NOT the ones who put the hold on her account. She went into a bank branch on Tuesday and she was told her account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give her specifics. The bank branch called the department who placed the hold on her behalf to find out what was going on and the person the bank agent spoke to was sent an email to give her and the department refused to speak with her after she asked to speak with them. 
With what she was going through, I decided to check my own account and found out that both my accounts also had the same hold as her account. Both of us have been calling the bank to at least release some of our funds so we can both carry on with our lives while they investigate but they are not doing that or giving us a time frame as to when the investigation will be over.

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 2017-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I paid my loan, but the lender has n't acknowledged my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has received notarized bank affidavit letter to remove  XXXX   XXXX   XXXX   XXXX   XXXX   from my credit reporting file.   XXXX   XXXX   XXXX   XXXX   is falsely reporting another person 's file on my credit report including wrong address, historical information for over the last year. I sent in dispute for Experian to provide the method of verification WITHOUT using the  XXXX  system of sending Office of Recovery services  a 2 or 3 digit  code, to actually provide the physical documentation and they have violated my rights under the FCRA. By again using this fraudulent method of   XXXX   verification and I intend to litigate if they continue to fail to comply to the FCRA and fail to remove this 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 non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian,  XXXX  and  XXXX  that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery  Services acquired a collection account from  XXXX   XXXX  which claimed that I owed them {$410.00}. I have since contacted  XXXX   XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In  XXXX   XXXX ,  Ability Recovery Services offe red to settle the account at a 20 % discount. On  XXXX   XXXX ,  XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX   XXXX   XXXX   XXXX , with reference account #  XXXX , and the same creditor of  XXXX   XXXX   XXXX ,  XXXX , stating I owe them {$82.00}. That account number of #  XXXX  is the same account number listed on a letter I received fro m Ability Recovery Service  on  XXXX   XXXX ,  XXXX . Now, if I paid  Ability Recovery Services w hy is  XXXX   XXXX   XXXX   XXXX  attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my  XXXX  credit reports and holding me accountable for {$82.00}.  XXXX   XXXX  sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability  Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on  XXXX   XXXX ,  XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I applied for  an American Express Personal loan  on Sat.  XXXX   XXXX  It was approved. But it has not been funded yet. I have called several times to find out the issue. They only thing they will tell me is that my loan is i n IT a nd they are having issues. They dont say " what kinds of issues '' just issues. No one will help or give me answers. I have not asked to have the loan cancelled since they do n't know how to resolve this issue. They wo n't fix it or cancel it ... ... I am in limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX   XXXX  closed  XXXX  acct &amp; returned equip In  XXXX ,  XXXX   XXXX   XXXX  web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with  XXXX  thru  X/XX/XX . In all communication I maintained that I disputed any amount due  XXXX  as their portal and my accounting indicated otherwise.  XXXX  verbally acknowledged my position and assured me they would reconcile the acct. Never heard from  XXXX  again. In  XXXX   XXXX   XXXX  placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of  XXXX  TX. No supporting documents or debt description was provide d. Southwest Credit failed  to contact me regarding this claim and filed a collection action against me in  XXXX   XXXX  with no phone or written attempt to resolve the already disputed item. I have had good credit for  30+ ye ars and a FICO score in the  XXXX  range. I applied for a mortgage in  XXXX   XXXX  and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of  XXXX  an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all  XXXX  credit agencies,  XXXX   (  ER ticket #  XXXX   ),  online wit h SouthWest Credit ( via  their contact us web form ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra  Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after  XXXX    XXXX   XXXX  t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.

Company response to consumer: Closed with explanation