vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
In XX/XX/2019 I went on XXXX XXXX  and ordered tickets to a XXXX XXXX Concert that would be performing in XXXX XXXX, when purchasing these tickets an additional site appeared for hotel so I began to register for my stay as well however once I completed this transaction and the amount appeared I noticed the total amount was astronomical ( not to mention the length of stay far proceeded the amount of time I would be there ) I immediately began cancelling the entire transaction including the tickets to concert, Unfortunately when I attempted to cancel tickets with XXXX XXXX was lead on a wild goose chase so I turned to American Express ( this is the Credit Card that I had used for said purchase ) Three different times I spoke to AE and they ensured me that this would be disputed especially since I did not receive service from hotel or tickets for concert. After countless attempts to resolve this I finally received a letter advising that although tickets had not been received the cost would not be refunded therefore I would be responsible for this outrageous amount. I once again began disputing and this brings me to you. I am a business owner and I am looking at possibly relocating to another state once I retire and this issue is already affecting my credit negatively. I am asking that you not only investigate the XXXX XXXX and their policies but try and negotiate with American Express to eliminate this debt from my personal credit card account. Thank you for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Sent debt validation letter and haven't received what was asked only received a bill. sent this letter a few times I hope I can get some help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I called XXXX on Wednesday ( XX/XX/2019 @ XXXX ) to get guidance on the Temporary Expanded Public Service Loan Forgiveness program.

The customer service person answered with a strong XXXX accent and  without asking what I needed, requested my name and social security number. It felt weird. I mentioned this fact, but he told me he needed the information to see if I " pre-qualify '' for the program. I gave him my social. 

Then he asked for my birth-date. I asked if he could see anything about my loans ( to verify he was actually getting information ). He responded he saw I had two loans that may qualify, but he needed to know my birth-date to verify it was me. 

The number seems legit, and I was referred to them by XXXX. 

He told me I had loans from " XXXX '' ... which was incorrect ... but it was too late cause he had all my information. He then CLUMSILY guided me through the website to download a form. His services didn't have anything to do with the actual process. 

My Problem : This is the age of identity theft. The number and info still come ups as being legit..but I feel like it was a scam. It had ALL the telltale signs ... but I feel helpless in telling the difference between something legit and something wrong ... and there is something definitely wrong with how this played out. I think they are violating what they should/should not request from their customers. 

There has to be laws to help protect us from just handing out information like this. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2019, I noticed an inaccurate reporting to my credit report from Navy Federal Credit Union send a letter of verification/ validation of the alleged debt. My letter was VERY clear on what I was requesting to ensure this debt was mine As a response from the ORIGINAL creditor dated XX/XX/2019 was that " we have completed our 'investigation ' ''. 
What was the investigation? Where are the results of this investigation? How was this information investigated? 

After the ORIGINAL creditor blatantly and arbitrarily disregarding my request, I sent a follow up letter on XX/XX/2019 ( I was waiting for further information of the alleged investigation and It never came ) letting Navy Federal Credit Union know these things an that their response doesn't met the FTC guidelines of proper debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card belongs to XXXX. I began having financial difficulties about 3 months ago and the past due amount is around {$400.00}. The option to pay on the past due amount was an ideal proposal and I began to make payments and arranged a future payment schedule. 

I have been paying this way for about 2 months. Now this month when I went online to make my payment, there is a red message telling me the account is closed and for me to make payments until the balance is paid off. 

About 2 months ago the account was breached and I sent XXXX a message that someone had been phishing my account. I knew this because I had to change my password to access the account. 

Meanwhile, XXXX told me that there was no problem with the account and if it had been breached, just to change the password. XXXX also told me that I could continue to use the online feature of XXXX to make purchases, I just could not use the XXXX charge card to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I was out of town in XXXX and asked my brother to make a {$1000.00} payment for me to Citi Cards using money orders. I sent him all the information to do this. He sent Two {$500.00} money orders to Citi by US mail in the same envelope that also contained my remittance advice from the bottom of my Citi Statement. Citi credited one and not the other. I have called over and over. No one can talk directly with the " payment disputes '' department. I get someone different every time that tells me a different story. One csr even stated that it happened to him and it is a common practice at Citi. One "  supervisor '' even looked through the unapplied payments '' for over ten minutes looking for my missing payment. How could there be that many unapplied payments?? I am XXXX years old with an XXXX and have run my own business for many years. I also know the usual money order customers. I am convinced that many other Citi customers that are not as sophisticated as I am, would have given up long ago in their quest to get Citi to honor their payment. This has been an absolute nightmare! Even though it was obvious they got both money orders because they were sent in the same envelope and both were cashed but only one applied, they refused to do the research necessary to find the payments. I finally had to go get two more money orders to send to XXXX XXXX at {$15.00} each plus overnight postage to get the copies of the money orders Citi negotiated. I finally received the copies of both {$500.00} money orders showing that Citi had cashed them both. I then faxed theses copies with a cover sheet and a copy of the letter Citi sent requesting such copies to the appropriate fax number. At this point I assumed Citi would be forced to apply the " phantom '' payment that they had cashed back in XXXX. I was wrong! Today I get an email stating " that since I did not respond, they were recharging my account for the conditional credit they had given me. '' I have a secure computer fax that records in minute detail every fax I send and receive. I sent, and Citi received on XXXX the fax and their previous letter asking for " proof ''. Four pages sent by me ; four pages received by them. This is unacceptable. If they are doing this to me, and even with indisputable proof, remain unwilling to apply my payment correctly, what do you think they are doing to thousands of people that do not have the resources I have to follow through? Please hold these people accountable for my payment and for all the other people that are being unfairly taken advantage of by this unethical group. Thank you. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX acct ending in 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 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Health Corporation
State: IN

Complaint narrative:
to this bureau. 
Open Account # 1 {$1400.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor {$1400.00} High Balance XX/XX/2019 Opened Date XX/XX/2019 Last Reported Payment by .insurance coverage paid total bill. Check balance shows zero outstanding charges or balances. Total collection agency this was an unlawful act and no notice was made at all. Hospital officials total agreed with me and confirmed that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
sent debt validation letter multiple times XX/XX/2019 XX/XX/012019 XX/XX/2019 final letter sent XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My husband and I filed chapter XXXX in XXXX that included 3 mortgage payments. At that time, XXXX XXXX XXXX held our mortgage. All payments after filing were paid to them. They sold our mortgage to XXXX XXXX XXXX XX/XX/XXXX, which payments were then paid to them each month. XXXX XXXX XXXX sold our mortgage to XXXX XXXX XX/XX/XXXX. As we neared the discharge of our bankruptcy because everything was paid back, XXXX XXXX contacted our attorney and told them we were behind on our mortgage - 9 payments. I sent payment information of each payment to our attorney to prove they were paid. XXXX XXXX still argued there were payments missing. They sent us modification paperwork to fill out and we did to keep them from doing anything like trying to forclose on our house. Continually making payments that at one time were in excess of {$1100.00} per month when our payments were only supposed to be {$760.00} per month. We received a letter XX/XX/XXXX stating they had sold our mortgage to Fay Servicing who is still saying we are behind 4 payments. My husband and I have both contacted them being told we need to speak with our account manager XXXX XXXX - yet neither of us have been able to speak with him because he is always on another line. I have emailed him 63 pages of proof of payments and still we can not get through to talk to him. My husband asked to speak with his supervisor - named XXXX - and was told he was not available either. We are in the process of selling our house and do not want the {$3000.00} dollars we DONT owe them to be taken during the closing. We have also requested a payoff which we have yet to receive. 
We have left several messages for XXXX and XXXX and have not received any calls back. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
We received a reimbursement check from XXXX XXXX which was to us but accidentally included our mortgage company. XXXX XXXX told us to send it to our mortgage company to be endorsed by them and for them to then return the check to us. My husband sent a check for {$440.00} to Flagstar in XX/XX/XXXX with these instructions. 

In XX/XX/XXXX I realized we had never received the check. Emails to Flagstar over the next few months were never answered appropriately by several different people, so we still had no idea where the check was. I contacted XXXX XXXX and they confirmed the check was cashed XX/XX/XXXX, and they sent me a scanned copy of the check. Flagstar did not respond to my email with the image attached. I started checking all our statements and finally found that the check cashed in XX/XX/XXXX was deposited to our mortgage account in XXXX. This was acceptable to me, but it was unacceptable that Flagstar still could not tell me that they had deposited it. Even after I told THEM what they had done, the same person who had received the copy of the cashed check replied with an email asking for a copy of the cashed check and assured me she would look into it, after I had already told her that I now knew where the money was and the issue was resolved. I replied with another copy of the check and asked that they please not do anything else for fear of creating more confusion. 

Our mortgage is paid automatically each month without fail and we hope to pay in full as quickly as possible so we don't have to interact with them again.

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 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
sent debt validation letter multiple times XX/XX/2019 XXXX XX/XX/2019 final letter sent XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reversed a fraud claim - at my direction. The charge was re-instituted on my credit card, and I paid the approximately $ 2,500- {$3000.00} fee. Bank of America recognizes that I have paid said fee. 

However, pursuant to my conversations with the merchant, Bank of America apparently did not repay the Funds to the merchant. The merchant is threatening to send the balance to collections if I dont pay the due sum ( which I already have ). Bank of America has been contacted multiple times and has refused to resolve the issue, despite months of phone calls/complaints/etc ... 

At this time I consider Bank of America as having stolen the balance of this $ 2,500- {$3000.00} amount from me personally, and consider that they are refusing to resolve the problem. I have spent over 6 months trying to resolve this issue, and tens of hours on the phone of my time, yet Bank of America has done nothing but make false promises and transfer me from department to department.

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 2019-09-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I place reservation for 2 tickets to XXXX, AZ. With XXXX XXXX. I cancelled them an hour later. Amount was {$780.00}. Around XX/XX/XXXX I looked at my Citibank statement online, and noticed 2 purchases for airline tickets for {$480.00}, and it said XXXX XXXX on the statement. When I contacted Citibank, I explained I had made a purchase of 2 tickets, but cancelled them, and not to XXXX XXXX. The person said I should cancel card and report fraud. Around the XXXX I called to see why the charges were still on statement. They transferred me to fraud division, and they said I made the reservations, and so it was not fraud. I called XXXX XXXX, and they explained that the frights were cancelled and Citibank should have gotten their refund. They told me I made the reservations in XXXX XXXX pounds, and that is why the charge was {$480.00}. I called the credit card company again, and explained the mix up that made me think it was fraud. They reversed the one charge for {$480.00}, but not he other one. On XX/XX/XXXX I called credit card company and they said I owed them for {$480.00}, and would not give me a refund. They also said they didnt get a refund from XXXX. I called XXXX XXXX and they sent me a email on XX/XX/XXXX stating that two refunds in the amount of {$480.00} were refunded to my MasterCard, and they gave me ticket # s, and  tracking # s to give to Citibank. When I called and gave them to XXXX at Citibank, she said she would forward them to the right dept. on Sunday, XXXX XXXX, I pull up my Citibank app, and Charges were still on there, and they had a note that my account was closed. I had told them that they lied to me, and they got their refund on XXXX, but I get one, and they want me to pay for the other! I also got a letter from the Securty Operations Service Team stating the investigation is closed and since it was not fraud, the disputed charges would not be removed. How was I to know I that I did it in XXXX, and when I saw the statement for two charges for a different amount then the XXXX, and XXXX XXXX on the online statement, I naturally thought someone had gotten my card and charged 2 tickets to 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 monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
sent debt validation letter multiple times XX/XX/2019 XXXX2019 XX/XX/2019 final letter sent XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding as Violated the FDCPA on my account which the debt collector has re aged my account which is way pass the 7 year time line for deletion. Midland Funding also trying to send me a settlement offer for debt that as been re-aged. Therefore, changing the dates on my credit report hoping I will pay. As a result, please inform Midland funding i'm not XXXX I will not sue in civil court. I will file a criminal complaint against managers and supervisors of Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American Credit Acceptance FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

American Credit Acceptance was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.

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