vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank sent a automatic quarterly payment of {$1400.00} to my homeowners association. The check was cashed by a fraudulent third party. Citi paid someone not my homeowners association. I had to send another check to make good on my debt. I have asked citi to put the money back in my account since it was their error to pay a fraudulent third party with my money. they have responded by telling me they have to investigate. They have sent multiple documents to fill out. This is now going on 7 weeks that I am out {$1400.00} with no end in sight for their error.

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 2018-05-29 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Good afternoon, My loan servicer Navient ( Account # XXXX ) is changing my payments without prior consent or authorization. I am set on auto pay. Originally my payment was {$41.00}. Then on XX/XX/XXXX it was increased to {$51.00} and today XX/XX/XXXX it was increased to {$67.00}.

Furthermore, I had unenrolled from auto pay sometime in XX/XX/XXXX and without my consent Navient placed me back on auto pay and withdrew funds from my account without my consent.

Please advise as to what can be done.

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a mailer from Bank of America with a promotion for a checking account with a {$300.00} signup bonus. The bonus would be awarded if certain requirements were met. I signed up for the account in XX/XX/XXXX and had completed all of the requirements by XX/XX/XXXX. I called Bank of America shortly after completing the requirements to confirm that the requirements had been met. The representative told me that I had met all the requirements and that I did not need to do anything else but wait for the bonus to post. The amount of time listed in the mailer seemed to indicate it would only take 90 days for the bonus to post but the representative told me it would take 90 days plus an additional 60 days. I waited until XX/XX/XXXX and then contacted the bank again. At that point they told me the promotion was denied as I had not met all the requirements. At that time, too much time had past for me to meet any additional requirements for the bonus and so I was locked out of being able to do anything further. Had the first representative told me I had not yet met the requirements, I could have performed tasks to meet them. I was given false information that prohibited me from obtaining the bonus. On XX/XX/XXXX, I contacted the bank and asked them to review the account, but they said there is no one I can speak to directly about this issue and I simply must wait another 30 days while the issue is being reviewed, all while I keep {$1500.00} minimum in the account to avoid any minimum balance fees on the checking account. I contacted the bank again on XX/XX/XXXX but they would not let me speak to someone on the promotions team directly and said the account is still being reviewed.They told me to keep waiting, but also told me that if my review was denied I would not be notified. The only way to determine if any decision was reached would be to call a phone representative who could check on the status. I believe that the bank is dragging the issue out on purpose in order to force me to keep my money in the checking 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 explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
My son had services rendered from XXXX XXXX XXXX based in XXXX, AL in XX/XX/XXXX. At the visit I paid a {$20.00} copay, posted on XX/XX/XXXX to my HSA account. I received a bill in XXXX of XXXX for the remainder and paid the bill of {$72.00} on XX/XX/XXXX. 

I received a call from AmSher, a collection agency in XXXX, AL on XX/XX/XXXX, advising, very forcefully, that I owed money and refused to give me details until I provided them with my childs personal information. As a minor, his information should NEVER be given and I asked if I could give mine since I was the responsible party. She advised no and was very rude. I hung up and called back to speak with someone. The next person advised me that XXXX XXXX XXXX has sent the bill to collections on XX/XX/XXXX and I could email her my paid receipt and they would remove it. 

I emailed my receipt on a XX/XX/XXXX and called XXXX XXXX XXXX to ask them to remove from collections. I left a message and no return call. I received a bill from the collection agency, AmSher, on XX/XX/XXXX stating a bill date of XX/XX/XXXX, 3 business days after I had advised and shown proof it was paid. I still can not get a call back from XXXX a XXXX XXXX and have identified 20 or more people this company is sending medical debts to collections for paid bills in my community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, XXXX  and TransUnion. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

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 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 we made a Principal Only payment to our mortgage with SunTrust Bank in the amount of {$1000.00}. At the time of deposit we were told by the our XXXX FL branch that the payment would be correctly applied using the coupon once that department received the coupon in 1 or 2 days. Upon checking our account 3 days later, we found that the principal only payment was misapplied to the regular mortgage payment and not principal only as requested. We have now contacted Suntrust Bank on three separate occasions to be told that it will not be corrected until XX/XX/XXXX. 

This is the 3rd time we have made principal only payments on our mortgage only to have them misapplied as a regular payment, with only a portion going to principal only. Misapplying the payments benefits the bank as it doesn't reduce principal as it's intended. Taking at least two weeks to correct this time, last it took almost 6 weeks. Our principal isn't reduced and they are making money by  misapplying funds. We believe this to be intentional on the part of Suntrust Bank.

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 2018-05-29 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collection Service Inc (GA)
State: NJ

Complaint narrative:
I looked over my credit report and noticed this company was on my report for a {$560.00} from XXXX XXXX XXXX XXXX. I have no recollection of this debt and I requested verification and a PFD as this being on my credit report is affecting me negatively and theres NO proof it is mine. The company has not responded to any written correspondence Ive sent and has never sent me any proof that this debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: VA

Complaint narrative:
First, have someone more knowledgeable respond to my complaint. I have re submitted my initial complaint for that very reason! I asked that they provide validity ... .who ever responded didnt read the complaint or reach out for more information from XXXX . If I have to seek legal action, I will as this seems like it was fraudulently placed on my credit report. The attached response is the most unprofessional one that I have ever seen. This is not resolved and I am not done until it is. Do not place items on consumers credit reports if you cant properly verify the debt is even valid as Its against the law to do otherwise. If they did their research they would see that I did cancel services due to XXXX dispatching police to the incorrect residence on more than one occasion. I have XXXX   XXXX  children, which I also notified them of when I informed them that I was canceling the service. 

If this doesnt get corrected ASAP I will contact an attorney with the FTC to have the entire company investigated. 

I belive that this debt stemmed from a XXXX  security system that I had installed into my home in XX/XX/2015 after my parents ( who were also customers ) referred me to them. Less than 4 months into having the security system my alarm was triggered and the police were dispatched. Although this was a false trigger, I was livid to realize that due to inaccurate information that XXXX had in their database, they sent the police to MY PARENTS HOUSE, instead of mine. I immediately voiced my concerns over this issue but it continued to happen even though the " updated '' their systems every time this happened so I cancelled service the same year of having it installed. It was a meaningless security system if they continued to dispatch emergency assistance to the wrong address of call the incorrect numbers. I am not sure why this is being reported on my credit report but it needs to be removed asap. I did not receive and form of written communication from the debt collector that is reporting this false information, if i had I definitely would have disputed this. Both my parents and I have been more than dissatisfied with the " service '' that XXXX  provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: FL

Complaint narrative:
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

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 2018-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notification that someone had checked my credit report. When i logged into Experian, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

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 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I'm attempting to deal with Navient in terms of my student loans. At this point i wish that I would have never went to school. I got roped into the XXXX mess which then turned into the Navient mess. Navient continues harassing me with phone calls demanding payment from a defunct school where I never held a job with the garbage degree that i was handed. I have since changed careers. Navient insists that since I can not make a monthly payment of over {$1000.00} dollars that I should continue to ask for forbearance. At this time I am under forbearance while I attempt to finish school at XXXX XXXX to earn a degree in XXXX. I assumed that my loans were under forbearance until XX/XX/2018. I just received a letter via XXXX stating that my account is under litigation review? I don't make enough money to make extremely high payments, I don't know what to do? I was approved for forbearance on XX/XX/18.  Since then I have received four emails stating change in loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: MA

Complaint narrative:
AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
So I applied to American Express Blue Cash Everyday credit card. The promotion said " For the first {$2000.00} dollar spending in a U.S. restaurants in the first 6 months, get 10 % cash back ''. I spent {$1900.00} dollars in U.S. restaurants which is clearly marked in the " Statement '' section. However, only 1 transaction of {$17.00} was being honored as spending in a " U.S. restaurant ''.

I tried to contact the bank for more than 10 times. For 8 times, they opened a case for me and never responded later. For one time, they said that are facing technical difficulty and should be solved in 4 weeks which did not happen. 

The last time I contacted them, which was today, a supervisor was talking to me and telling me that all the transactions but one are being listed as " other purchases ''. It is very clear from the statement page that those transactions are being processed as " restaurant '' purchases, but I don't know how, from the customer service 's perspective, they are being processed as " others '', which would help them not giving me the cash back they should give me. ( And other banks like discover processed it as restaurant normally ). They said it has something to do with the tax ID the restaurants are using and the customer service asked me to check with the merchant if they listed themselves as restaurant which is an impossible task to do. Plus, I spent at several chain restaurant which they have very little odd that they register wrongly. It has been 7 months since the problem starts and they can not give me a satisfying answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I have been a customer of Xenith Bank which is merging with Union Bank and Trust. 
I use online banking to pay my mortgage and other bills. 

During the change from Xenith to Union, the dates on my auto payments were changed without my consent. They acknowledge that my mortgage payment of {$1200.00} was supposed to be made on XX/XX/XXXX. Instead, they made the payment on XX/XX/XXXX without my consent. This is before my pension on XX/XX/XXXX will be deposited. 

This payment has caused my account to go in the negative by {$720.00}. They have apologized but since the money has been sent out, they will not redeposit it. When my pension is deposited that negative will be covered. But until then, I have no money for living expenses. They refuse to help with that and will not redeposit the amount inappropriate taken out.

I contacted them on XX/XX/XXXX about this and was assured the money would remain in the account and to " relax, have a good weekend, and don't worry about this because the money will remain in your account. '' Today, XX/XX/XXXX, I found that was not the case and the money was taken out, again without my consent. I have no money to live on for the remainder of the month which is creating problems for 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 monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax takes more than a week PAST the date that XXXX  and XXXX  updates their trade lines on consumers credit reports. XXXX and XXXX are timely and update their tradelines on the same day each month that the creditor updates the balances. However, EQUIFAX is now more than WEEK behind and is reflecting outdated balance on my credit report, and they trying to blame the creditor even though the other 2 creditors have the correct information. The representatives I spoke to are totally incompetent, and the online for to submit a dispute is BROKEN! This credit bureau should be closed down!! Terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: F.H. Cann & Associates, Inc.
State: MO

Complaint narrative:
I received a consolidated student loan during my years as a student at XXXX. I repaid the loan balance in XX/XX/XXXX or XX/XX/XXXX. In XXXX I received a notification from a debt collector saying I owe XXXX  {$200.00} for a Perkins loan. I had not ever received a notification of this debt prior to XX/XX/XXXX, plus they had added interest to it. I sent a letter to that debt collector and said this is not my debt. They sent me back a statement that I had signed back then in XX/XX/XXXX for the {$200.00}. However, I rightly assumed that all my student loan debt was repaid. No proof was provided that this {$200.00} was not included in what I repaid back in XX/XX/XXXX or XX/XX/XXXX. Plus they've added interest to it and added this debt to my XXXX Credit Report. Is this legal? How can these collectors,  on behalf of the Dept of Education try to collect a debt from 26 years ago that they have not proved is valid? Plus XXXX is known for sloppy record keeping in the past. It is my contention that the information provided by them is inaccurate. I want to debt removed from my credit report and for collectors to stop pursuing me for it. Thank You

Company response to consumer: Closed with explanation