vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: Nelnet, Inc.
State: IL

Complaint narrative:
Severe misallocation of XXXX payments for as long as I can see in the payment history from the servicer 's website. I ONLY noticed this with my most recent excess payment of {$1500.00} on XX/XX/2020, in which the amount was not applied as intended ( i.e., 100 % towards the loan with the highest interest rate ). To provide context, I'm paid ahead by several months AND I have a recurring automatic payment on the XXXX of the month to ensure that I'm ahead of any due payments, so any ADDITIONAL payments should be applied as I see fit ( which I specifically note in the custom allocation of my payment during the processing of said payment ) ; however, the loan servicer, Great Lakes Educational Loan Services, either intentionally or erroneously spread my excess payments out across several loans that have lower interest rates, which just makes my total payment across the life of all my student loans significantly higher. This is unlawful and is almost identical to the XXXX  misallocation of payment lawsuit. I have contacted the loan servicer multiple times about this, and I have yet to see a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: KY

Complaint narrative:
Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. 

XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. 

I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2020, received an email with the subject line. we detected a new account opening. 

Goes on to say, View Details We monitor your XXXX  credit report every day and have detected that a new credit account was opened in your name. 

No such account has opened. following their link led me to a paid service. I could not find the new account on any other credit reporting website. 

I just felt that it was unfair that they could lie to me and tell me that my identity has been stolen in an attempt to sell me something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit bureau report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They froze my bank account without any notification. I attempted to set up a payment arrangement and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Sue HSBC plc  bank and XXXX XXXX XXXX  for XXXX each total XXXX asking for money to pay clearance certificate lawyer asking XXXX dont have that kind money right now XXXX XXXX Thanks reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Located at XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, U.S. Department of the Treasury, Chief Legal Officer, HSBC Holdings plc, XXXX, XXXX. 
Justice XXXX XXXX XXXX Email : XXXX Sent from XXXX for XXXX  Freeze my account of XXXX XXXX dollars for clearance certificate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX  would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...

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 2020-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
This debt has been paid on time since XXXX of XXXX. It has been turned over to several collection agencies and removed on several occasions from my credit reports. 

The original creditor has also recently tendered a payment, a check in agreement to cease ALL reporting. However, the collection agency is still reporting this as a collection to the credit reporting agencies. Their reporting has been removed twice in the last few months. I would also like to know how I can legally take action against the collection agency. I have attached 1 example of where this collection was deleted XX/XX/XXXX. It was deleted from all 3 credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On XX/XX/XXXX I called to increase my auto payments to {$300.00} per month. They wouldnt do it. They said to just over pay. I asked them again to increase payments but refused. 

On XX/XX/XXXX I got an email stating my account is in forbearance and all of my auto payments are cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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:
To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, 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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
They froze my bank account without any notification. I attempted to set up a payment arrangement and they refused.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I received a letter from Cominety Bank about my Meijer Credit card dating XX/XX/2020 I sent the information to them, I received a 2nd notice on XX/XX/2020 saying my account was closed, This card has no expiration Date or a 3 digit code on the back. I was asked to send my private information to the company? My ID/Drivers license front & back ; Social Security Card front & back ; My Bank Account Front, I did not include the back of my Social Security Card because I thought it was not needed for this. I  became upset my Wife in Michgan had Permission to use the card. They Flagged her card for Fruad. She has been treated unfair in this matter when she was using her card at a Meijer store she was asked for a expiration date I can get a copy of this card for you to look at. i have never been late or never missed a payment. Never the less MY Private Information is now in their Position I do Not see Why They would want the back of the card seeing it has no information on it. Their policy says the will and would never ask for this kind of information to me it is a scam. They now have my private information in that companies Fruad Department! I do Not Want An APOLOGY OR EVEN A CONTACT LETTER OF ANT KIND I WILL CONSIDER THAT HARASSMENT. they never gave me time to send the rest of the information to them and i called them many times over this issue not one time did they ask for this information until 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Phoenix Financial Services LLC
State: LA

Complaint narrative:
To whom it may concern, I have contacted XXXX  regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from XXXX. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : PHOENIX FINANCIAL SERV XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This information does not belong to me

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 2020-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a complaint with the North Carolina Department of Justice, but referred me to the CFPB, because State has no jurisdiction over federal court cases. 

Now, I ask GM / Capital One to refund my money {$18000.00} because GM / Capital One had a fraudulent credit transaction from my two banks. ( Exhibit # A ). 

GM / Capital One provided two credit card numbers are NOT my credit card number, both credit cards were withdrawn from my two banks totaling USD XXXX. 

I am a victim of identity theft, and GM / Capital One conducted a false credit transaction. and also I did not give GM / Capital One any authorization or consent to allow the GM card or Capital One to withdraw my money from my two banks and deposit them into two different accounts, both none of my credit cards is my credit card.different account that is also violated false statement, and antitrust law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: VA

Complaint narrative:
Capital One Bank are refusing Arbitration under the Federal Arbitration Act regarding the Fair Credit Billing Act and the Fair Credit Reporting Act regarding an transaction with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
EOS XXXX, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO XXXX, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ). The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of their call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My good number of applications for bank account and credit cards are being rejected/obstructed due to some so called " credit freeze '' on my account by Experian. When i tried to contact Experian - there is no way one can reach out to a human being. It's a maze of robotic prompts and never ending IVR where no way one can reach out to the human being. 

Recently XXXX denied my credit card application, when i talked to them - i was told it was due to Experian security freeze on my account. 

Experian - don't be so cheap - hire more human beings and fix this problem. Don't put security freeze on your own and at least tell that person with whom you are doing this.

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NC

Complaint narrative:
My husband and I both received letters from AFNI, both letters dated XX/XX/XXXX. Both letters stated we are liable for payments paid out on an insurance claim from XXXX XXXX, from a chain XX/XX/XXXX. 
I responded with two letters ( one for my husband and one for myself ) via certified mail asking for validation of the debt. On XX/XX/XXXX, my husband received another letter saying we are liable for such debt and the letter had no validation included, even thought the letter says " please review supporting documents '', the document was a form they wanted us to fill out asking for our insurance information. 
I proceeded to send yet another letter XXXX, asking for debt validation. Today XX/XX/XXXX I receive the same letter with no validation of debt. 
I am sending a letter back via certified mail disputing such debt as they can not vadliate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are fraudulent

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