vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Debt not owed. Disputed several times. Debt and amount was never verified as mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.

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 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have multiple issues with Bank of America to start off with. I have had to cancel my card multiple times due to fraudulent activity with the same company ( XXXX ) twice already, taking money out of my account and once with another company. Is n't that what the chip is for? For better security? This has n't only been frustrating but a pain because I ca n't use any of my money because my card is cancelled, also frustrating because I 've had a new card 4 times already and it has n't even been 2 years! Another thing is, I use an app called XXXX, which allows me to access my paycheck early so I can pay bills, etc. It relys on Bank of America to send information in a timely manner such as account balance and recent transactions in a timely manner in order to do this. Bank of America highly slacks in speed towards their customers, even on business days, it took them almost 3 days to relay information during the week which is unacceptable when I 'm trying to manage my money. One last thing is, I honestly think it is outrageous how many fees Bank of America charges to use YOUR OWN MONEY. If you withdrawal too many times you 're telling me you 're gon na charge me a fee? That 's ridiculous. And if I transfer MY money between MY accounts too many times you 're gon na charge me a {$10.00} fee? I think this is ridiculous and all of these issues should be looked at. Not all banks operate this way.

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 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so  I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: CA

Complaint narrative:
I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I bank with Bank of America and I have been noticing lately that they have been charging me overdraft fees for things they never use to charge before and this is REALLY causing a financial burden on me. On  XXXX  I had  XXXX  dollars in my account I needed gas. For as long as I can remember and everyone in the world I know takes advantage of the fact that you can fill your car up with  XXXX  dollar in your account. I 've done this for years and never once been charged a fee. On  XXXX  I transferred  XXXX  dollars to my savings and I had  XXXX  dollars left in my checking and I filled my car with my debit card that 's linked to my checking. I filled up for  XXXX  dollars. When my  XXXX    XXXX    XXXX  card transation posted Bank of America gave me a OD FEE of  XXXX  dollars because they said I transferred the  XXXX  that had I never transerferried the  XXXX  and left the  XXXX  in the account and then got the  XXXX  in gas it would 've never triggered an overdraft fee. WHAT SENSE DOES THAT MAKE ITS STILL A DEBIT PURCHASE AND IM STILL OVERDRWING THE ACCOUNT EITHER WAY. They refuse to refund it and it 's not right why ca n't I trensfer my own money when I want to. This was not a reoccurring debit charge and it was n't ACH charge. Also on  XXXX  I had and ACH trigger for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in error. They even sent me an email stating their systems are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX . I called boa and asked them to please refund the fee due to merchant error and they refused they said I ca n't file a claim and present documentation on the charge because it was n't paid. That 's ridiculous. So charge your customer  XXXX  dollars add more financial strain to them when they have documentation that the charge was to come out  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 monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.

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 2017-06-15 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from Citibank. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in  XXXX   XXXX   XXXX , Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.

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 2017-06-15 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 — Card was charged for something you did not purchase with the card
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Calvary Portfolio Services ( as Assignee of XXXX XXXX XXXX XXXX ), reported that I owe {$8700.00}. It also shows date of first delinquency of XX/XX/XXXX..The first I knew of this claim was AFTER XXXX had assigned the account to a collection agency. I have be in regular contact with 4 different collection agencies, asking each one of them to please send me something showing what the basis of this claim was. Credit card charges, etc. Each one of the agencies said all they could provide me with was the last 6 months of statements, which only showed a balance forward, more interest, and the new balance. A couple of the agencies offered to " settle '' for {$500.00}. But I have no idea what the claim is for, so I 'm certainly not paying until they can tell me what it 's for. ( Please see attached time line of my when I was in contact with each of these agencies ).  You can look at my credit history. In addition, on XX/XX/XXXX, XXXX send me a letter saying my account was compromised ( Letter attached ). XXXX has now sued me in an attempt to collect this money. Please review my credit history as well, as you can see I have never been late or failed to pay a bill EVER. We pay our bills timely EVERY MONTH. I am disputing this debt and ask that you investigate this claim and request that the creditor, Calvary Portfolio Services, provide solid information as to the charges that form the basis of their claim. 
***PLEASE ALSO NOTE THAT XXXX NOTATED WHEN THEY REPORTED THIS " DEBT '' THAT I HAVE DISPUTED THIS CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
On or about  XX/XX/XXXX , my brother paid my car payment out of his   XXXX   XXXX   XXXX   Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX  payable to  XXXX . Shortly after that I checked my   XXXX   XXXX   Account to discover that on  XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the   XXXX   XXXX   Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called   XXXX   XXXX   and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
In  2011  I had a   XXXX   XXXX   at  XXXX   XXXX   XXXX  in  XXXX  GA which was paid for at 100 % by my insurance. I was called back for  XXXX  additional procedures. No explanation was given to me in reference to why I was called back. Then the physician during an   XXXX   asked if I had had any  XXXX   XXXX  I replied yes and that I had been asked that question on my first visit and had answered yes. She said " oh, then you are fine '' and immediately stopped the  XXXX . It became apparent that the tech did not write down the very pertinent information which would have saved me  XXXX  extra trips to the hospital and the subsequent bill. I received a bill for {$370.00} for her mistake. I wrote a letter and called repeatedly but was ignored. I never received a response. Then they filed the debt on my credit report.  XXXX   XXXX   XXXX  had no right to charge me for their mistake. I filed another dispute with   XXXX   and the response was " This creditor has verified to  OUR company that the balance is being reported correctly '' It adds insult to injury when the hospital staff screws up and then charges the consumer for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
M  y Walmart mastercard credit card was stolen and used to for fraudulent transactions on   XXXX   XXXX  , 2017.
I filed and provided a police report the following week.
The account was closed and new one was open.
All the transactions were then accrued into a single amount a carried over into the new account for {$1300.00}.
The investigation was concluded and I was told by mail that the amount was going to be dropped.
I received a statement with the original amount plus interest.
I called Walmart credit services for over 2 hours with no solution. They basically told me the account number was not found by them to process the write-off.
It 's now showing up in my credit report and harming it.

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 2017-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

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 2017-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: GA

Complaint narrative:
I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

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 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I do n't have any knowledge of this collection company or the debt that they are attempting to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation