vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
In XX/XX/XXXX, I joined a debt consolidation program with Freedom Debt Relief ( FDR ). The terms included making monthly payments for 48 months. The funds to pay the enrolled accounts ( i.e. creditors ) were drafted from my personal checking into a dedicated account with XXXX XXXX XXXX ( XXXX ). The contract I signed with FDR stated, " You will, at all times, own and control the Dedicated Account ''. This is not the truth. 

In XX/XX/XXXX, I agreed to a stipulated payment agreement with the court after one of my creditor 's sued me. The funds to pay this judgement were paid through the dedicated account. In XX/XX/XXXX, a lien was place on real property that I was an heir to. Since I had enough funds in this dedicated account, I contacted FDR and requested they expediate full payment to the creditor. The Attorney 's involved, as well as the clerk of court, needed proof the debt was paid in order to remove the lien and satisfy the judgement. A bank statement would have sufficed. After multiple contacts with FDR and XXXX, they both failed to assist me with this matter. FDR referred me to their client dashboard, which shows account balances. XXXX guided me to an account ledger that is in a .csv format ( i.e. XXXX spreadsheet ). Neither any of the Attorney 's, or the clerk of court, would accept this documentation. 

The FDR program, and their contractors ( XXXX XXXX, need to allow access to this dedicated account so that participants of the program can show proof that a creditor was paid. Instead of doing so, participants have to reach out to creditors ( which was advised against in the beginning of the program ) to request payment in full letters on the creditor 's letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Am. Express Personal savings sent a letter to inform me that a deposit account was opened in my name at American Express National a Bank. It was opened without my authorization. As a result, Am Express closed this account. My account # ends with h XXXX. I was informed by Am Express that the applicant had access to my name, address & Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To whom it may concern : about three months ago I complained about XXXX that is resurgent capital services debt collection agency complaint # XXXX. I thought this account was charged off I understand that even though it's charged off I still owe. I keep explaining my situation to them that Iam in financial hardship I don't know how they want me to show evidence of my hardship. I've told them the only way I'm able to survive is by food stamps and still they don't know my unforeseen circumstance that lead me to financial hardship. You know just show them that I will work with them I'll send them XXXX or even a {$1.00} since this company wants what is owed to them. This company does not understand nor do they seek to understand the hardship that I am in. So, until I'm with a good job and that will provide me with money to pay what is owed I will send them a {$1.00} dollar when I ever I am able too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX Credit Breech.CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX, acting on behalf of XXXX XXXX, has continued to report this fraudulent account, contact me to harass me and send me threatening letters.Even after they have received on XX/XX/2020 identity theft documentation and notification that this account was a result of identity theft accordance with of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
On Saturday XX/XX/2020 I received another letter from Allied Collections Service Inc. after I told them not to contact me. I also advised them that I was going to file bankruptcy plus that Im judgment proof ( extortion proof ) because Im XXXX and have been for over 5 years so Im unemployed  and will never be employed  again. They have harassed me over and over ( the tie up the local court system harassing the poor ) I even changed my phone number because of their harassment. I havent filed bankruptcy yet but Im in the process of doing the paperwork and Im definitely filing ASAP so because of all the above they have no reason to continue the harassment. If you look at my last complaint I attached everything Im pointing out now in regards to them being advised not to contact me, bankruptcy and being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MA

Complaint narrative:
In its response of XX/XX/2019 to my Complaint to CFPB Discover made the following statement ( see the attached file ) : " in some case it is necessary for our Customer Protection Services Department to speak with a customer directly in order to verify activity. '' The requirements that representatives of the Discover Card need to be able to SPEAK directly to a customer is not listed in any of the Discover cards terms of service not explicitly mentioned in any of its other published materials. 

Discover also never stated explicitly that it has requirements for customers to have the ability to maintain direct communication with Discover card representatives in order to received services on the account. Discover never specified for how long a customer is required to have an ability to maintain a direct communication with Discover representatives nor it specified what duration pauses the customer can make during a direct communication session with Discover representatives before Discover will interrupt such communication sessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. 
I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX  XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. 
Reaching the PNC Retail Escalation Department and  speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX  XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. 

PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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:
I have been a victim of identity theft

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 2020-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2020-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My apologies as the dates aren't clear, but when I first began paying my federal student loans, I was never offered any income-based repayment plans. I was informed of these plans by family and friends, not by my lender. Once I discovered these options, and that my criteria fit them, I signed up. Before this time, I used the only options given to me by my lender : Unemployment deferment, Economic Hardship Deferment, Internship Forbearance, etc. 
Each one of these options charged a fee in order to enroll. Each one of these options still charged me interest of some kind, and did not offer the same types of benefits as the income-based repayments. 
My salaries at the time were always provided, including proof of payment, etc. I would have qualified for income-based repayment at any point during these years ( XX/XX/XXXX-XX/XX/XXXX).

*Please note that I graduated in XX/XX/XXXX, and my loans went into repayment in XX/XX/XXXX. I am continually denied any information before XX/XX/XXXX, before my loans were consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: KY

Complaint narrative:
I have attempted multiple times to contact FEDLOAN via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. 
When you get to discuss loan with agent the details change per agent. 

I simply want my total amount of payments to be accurate. I have had automated debit since the onset and on time 100 %. They did not give me credit for 3 payments because I paid more than the lowest amount thus fedloan took it upon themselves to just use the extra amount to not add to the principal as i requested but instead delay counting the amount of months for me. 

They will not give me written information regarding that date. I consolidated XX/XX/XXXX and instead of XX/XX/XXXX being the 10 year forgiveness date it has been changed to XX/XX/XXXX arbitrarily. 

I have talked to several people and it seems to be a common scam by FEDLOANS to delay the 10 year time frame to months and even years of more payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card of XX/XX/XXXX. The bank that administers the account is Comenity Capital Bank out of XXXX XXXX TX. 

My first complaint about Comenity Capital Bank is they do not have any auto pay function on their website. It is clear they are looking to charge a late as a tactic to make money. My major concern is when, I opened the card the cashier at XXXX XXXX said I should apply for a store card because it has zero interest for 12 months. He explained that after 12 months the card would start charging interest which has been typical in my lending experience. Never did the store associate explain they would charge all the interest for the promotional 12 month period. I have been making minimum payments on the card for the last 12 months and the statement reminds you that you need to pay off the balance or you will be charged ACCRUED interest charges. I'm not a finance major and was not aware that accrued means ALL interest. As I mentioned early, I was told the interest would start after the 12 month promotion so I didn't pay attention to the term accrued interest. When applying for the card all I signed was a 2 '' x3 '' LCD screen which is the " AGREEMENT. '' I took the associates word for how the terms of the credit card work since it is impossible to read the " terms of agreement '' on the tiny screen. It was my error for not viewing my credit card statement in detail each month, but today XX/XX/XXXX I noticed a charge for {$280.00} for the accrued interest. I was told that the interest would simply start at the end of the 12 month period. I called Comenity Bank and was transferred four times and they said sorry nothing they can do and I signed an " agreement '' ( which was on a 2 '' x3 '' screen ). I explained my concerns and told them they are intentionally misleading consumers starting at the XXXX XXXX store. They said I should have looked at page three of the statement where it told me what the accrued interest was in same small black print as the rest of the various numbers. I asked why they couldn't put this on page one in bold red numbers saying this is what you will have to pay if you don't pay your account by the specified time. This is clearly a tactic they use to generate revenue. It isn't at all transparent and it is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank closed my secured credit card on XX/XX/2020. I received a letter a week later stating they had closed my account based on thier desicion even though I have an excellent payment history, on this letter they did not provide information on the collateral monies held by them which belong to me are {$500.00} dollars, the balance on the account at the time they closed the account was {$470.00}. Wells Fargo closed the account reporting the incorrect balance owed stating I owe them {$570.00} instead of applying my deposit and the payment they had already had in thier possesion and reporting the correct balance which is XXXX!! Wells Fargo owes me {$29.00} I do not owe them any monies as they are reporting incorrect information. I called them and spoke to thier executive offices and was told they they didnt have any information to provide me and would get back to me and never did.

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 2020-02-08 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: NH

Complaint narrative:
Inquiry from XXXX from XX/XX/2019 when contacted they had no information for me and could not tell me why this is. I did not apply for anything in relation to this sort. While looking online it says XXXX XXXX but I have medical insurance for everyone in my family I dont need any extra. I have never recieved any mail or such in regards to 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 2020-02-08 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: NY

Complaint narrative:
Improper use of my credit 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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JNR Adjustment Company, Inc
State: IL

Complaint narrative:
I already disputed the debt in writing and the debt collector sold or moved the debt collection to another company and now they are requiring another written dispute to them within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
On Friday XX/XX/XXXX I received a call from my ex wife stating she had recurved a call from a legal representative stating that a Court case has been filed against me. My mother also received the call. They were told to pass along a callback number to me to discuss the court case. 

I called the number back and I was informed thats I owed a {$500.00} debt from a pay day load. I told them what I could pay on it but the woman insisted that the case has already been filed and its not about the money at this point she also stated that After court is settled I will end up owing over {$1500.00} dollars ( do not remember the exact amount ). ( Deceiving amout owed ). 

She went further by saying I have committed fraud and will be charged accordingly in the court case ( threatening criminal action ) She then put me on hold and said they would be willing to put the court case on hold if I would agree to their payment plan. I agreed. I also asked them to not contact anyone of my friends, relatives, or job since they now have my updated contact info. Turns out they had my correct contact info Well before this matter. When I asked them why they contacted my ex wife they told me it wasnt them that contacted her. It was actually XXXX county courts trying to locate me ( impersonation of a government official ) The following week one of my payments didnt go through because my check had not yet been deposited for the day. They called my ex wife again. When she tired to file a dispute with them allegedly hung up on her. When I called them back I told them that I will not deal with their harassing calls. I also Informed them that I am in the middle of filing bankruptcy. The representative told me my babkruptcy will not cover a previous debt ( deception ). They also said they will notify the courts to move forward with the case. 

To say the least they have used threats of fraud, impersonated a government official, lied, and harassed my family after I specifically asked them not to. I would like to settle this matter but not with a company who uses deceiving, unlawful, and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: MN

Complaint narrative:
Not my accounts or inquires reporting.

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