vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I don’t have specific dates. Bank of America closed all my accounts that were all in good standing. Wouldn’t disclose reason. When the accounts were closed my auto pay stopped and I wasn’t even aware the accounts were closed. I tried disputing the late fee charge but was told they couldn’t help me because the account was already closed. I continued to pay until a few months ago when a payment I sent through my bank didn’t go through. And was then charged another late fee. I called and wanted to pay off the account in full if they would take the two late fees off but absolutely no way they would do that. At that point I owed roughly XXXX plus the 2 late fees which were $XXXX  each. In protest I decided not to pay anything and now my FIco went from over 800 to XXXX. Please help. The balance now exceeds $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 2019-08-19 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: PA

Complaint narrative:
Fraudulent account in my name stolen identity XXXX XXXX  /XXXX XXXXOpen XX/XX/18Amount 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 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX  that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX  when they already have more money than XXXX. It is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX, XXXX and XXXX 2019. I have recently used my ATM card make withdrawals in a foreign country. I accept the fee charges from the foreign country banking institution, and an additional $XXXX fee from my bank. I noticed in the months mentioned I being charged an additional $XXXX  or $XXXX service fee. I contacted my bank to inquire about the addituonal fee being charged To my surprise I am being charged an exchange rate fee. To clarify, whenever I use an ATM in a foreign country I will be charged this fee. Additionally if I make a purchase using my ATM card I get charged for conversion to US dollars. In otherwords, I cannot use my ATM card in a foreign country unless I pay whatever additional exchange rate fee they want to charge my account, plus a fee for conversion from foreign money to US dollars (conversion is automatically done by the computer), if I make a purchase and use my card for payment. Regardless if it was paid as a debit or a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 I paid off 3 credit cards from Capital one, in full they keep trying to charge me interest on these 3 cards even though 2 off the cards I got checks back on for rewards points one card claims I owe .XXXX cents another one claims I owe XXXX and another one claims I owe XXXX this bank is charging me for bills I paid off in full if I don't pay them they will charge me XXXX  late fee on each card even though I don't owe them any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I paid this off and the XXXX XXXX came out of no were and it’s hurting my score and it needs to be took off so my scope can be fixed it’s was thru speedy cash

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX   XXXX  AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX  PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN  REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX  XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX  XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit report shows an account with MACY'S/DSNB opened on XX/XX/2006. I contacted Macy's to see if I ever had an account with them or if they had any information regarding this debt with a reported balance of $XXXX. Macy's informed me that they did not have any information on file registered with my name or social security number. I then contacted the credit company, and I asked them to provide me with more information regarding this debt. I was told that there was no information on their side other than the principal and amount due. In XX/XX/2006, when this charge account was open, I was XXXX  years old. It would have been impossible for me to open a credit card. I explained this to the creditor, and I was told there was nothing they could do, other than try to collect the amount. This Macy's credit is one that appears on XXXX report.

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX) for XXXX XXXX, my lease ended XX/XX/XXXX, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XXXX XXXXt and XXXX XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX XXXX  XXXX  stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called XXXX  again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like XXXX chooses to report fraudulent information on people’s credit report. XXXX is nothing but 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 explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Friendly Finance Corporation
State: OH

Complaint narrative:
It's an old car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I purchased a car through Car Mart in XXXX, Arkansas.  I have made all my payments on time, and paid off over $XXXX, and only owed $XXXX as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XX/XX/2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX   office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it after XX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of CarMart, over to a collections agency for consulting our company did for them. XXXX   called and cussed me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the CarMart  corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
I am being contacted by H&R Accounts Collection Company for a medical bill that was settled by the insurance company. I believe this is an attempt to double bill me. H& R Accounts has destroyed my reputation and my credit with their collections tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I purchased a car through XXXX XXXX  in XXXX, Arkansas.  I have made all my payments on time, and paid off over $4,400, and only owed $XXXX  as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XXXX 2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it afterXX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of XXXX, over to a collections agency for consulting our company did for them. XXXX  called and XXXX  me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the XXXX corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in 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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am an XXXX Military XXXX  that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with XXXX credit services and Equifax. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the Equifax and XXXX  website. As of today's date XX/XX/2019, still no response or update within 30 days from Equifax nor XXXX. Now, I am requesting this be rectified through CFPB. As a military XXXX    that holds a XXXX-XXXX   XXXX, it is imperative that this is resolved before I become a victim of theft identity. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX  XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX  per month now this year my payments jumped to XXXX  per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: CA

Complaint narrative:
I opened a capital one credit card account back on XXXX XXXX I payed my account monthly never late on XXXX XXXX  my account was closed over 1 returned electronic check payment which my bank at the time was responsible for mistakenly returning the payment I contacted my financial institution as well as capital one too resolve this but capital one accused me of improper & unethical use of my credit card & closed my account then reported derogatory information to all three major credit bureaus they also said I was not eligible to ever apply for a credit card account threw capital one? Capital one was also included in my bankruptcy which was discharged on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXXtold Capital Accounts on XX/XX/2019they were authorized to report a DISPUTED DEBT claim to collection agencies BEFORE the LAPSE of 30 DAYS FROM DATE OF MY RECEIPT XX/XX/2019  (as communicated in writing by Capital Accounts). XXXX XXXX is a healthcare provider and the owner of XXXX XXXX XXXX - She should know better than to intentionally file false claims regarding medical services.Capital Accounts / XXXX XXXX / XXXX XXXX XXXXshould further be held accountable for taking action in contrast with their own written correspondence which state the recipient of any debt should: (1) REPORT DISPUTED CLAIMS to them (which I did along with providing documentation), and (2) Respond in writing within 30 DAYS FROM DATE OF RECIPIENT RECEIPT (which I did - outlining the incorrect billing, billing errors, charges for services incomplete/not performed and in breach of contract terms).

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 2019-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MI

Complaint narrative:
This debt collector is attempting to collect an unverified debt that I believe does not belong to me. I am unaware of any such company, and I do not owe them any money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation