vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for a 0 % offer for a period of time ( i believe it was 12 or 15 months ). I  transferred over almost {$4000.00}. AmEx got me in at a promotional APR with a much higher APR once the period was up. Standard, right? I get it, but what bothers me is that I was never notified that that promotional period was close to coming to an end and being that I signed up for the offer over a year ago, it slipped my mind. Once I saw the interest pop up, I made the full payment ( {$3400.00} ), and I called in to ask for a an interest waiver since it was only the difference of a few days less than my full cycle that it took me to make the full payment. AmEx claims to pride itself in customer service, but they wouldnt do a fee waiver and they didn't notify me that my promotion was coming to an end outside of the initial agreement that I signed over a year ago. I think that reflects poor customer service. I wanted it to be known that I transact over $ XXXX/month on my credit cards. For a company like AmEx, with probably the highest interchange in the industry ( hence why many vendors don't accept their payments ), that's easily over $ XXXX/month for them if I used them for my purchases. Now I am forced to opine over a {$73.00} interest payment for a period when I made my full payment. Geez, the customer service at AmEx is getting bad ; what is the world coming to!?! I hope others in my same situation don't experience this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has wrongly stated that I had a late payment in a long perfect payment history with Auto Pay system. I had a prior vehicle to my present XX/XX/XXXX vehicle so my payment practices are crystal clear. As you will see that upon my acquisition of a XX/XX/XXXX the XXXX and XXXX payments were made and XXXX says XXXX was late - how ( again on Auto Pay ). Every month from XXXX XXXX until present - perfect on Auto Pay. 
I contacted Experian to lodge a complaint and I contacted XXXX personally. The XXXX basically read off his computer screen and could not explain further than that is what the file screen told him, useless! Today XX/XX/XXXX I contacted Experian back to question the non-change in my report - their answer to me was - we sent the inquiry to XXXX and they sent it back so that is it - again useless. I have attached 6 pages with explanation about what happened in actuality. Thank You in advance for your help and guidance. 

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 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I live in Washington State and went to XXXX. XXXX for the weekend with my wife. 
We made a couple of charges on our credit cards. XXXX XXXX  charged a foreign transaction fee and discounted the charge to the US - XXXX rate, which is OK with me. However Bank of America charged a foreign transaction fee and DID NOT discounted the charge to the US - XXXX rate. 

This is like double dipping to me. The discounted rate at the time was 30 % to 24 % depending on who you are dealing with. ( XXXX XXXX was 24 % ) With an exchange rate of 24 % Bank of America is making an additional {$200.00} plus the foreign transaction fee of an additional {$26.00}. 

These charges are unacceptable and unfair to the consumer.

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 2018-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX  ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

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 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: NY

Complaint narrative:
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I got a auto loan with wells fargo and everything was fine in the beginning then they starting charging me for insurance I already had.I sent them the info for my insurance several times it got fixed once and then they did it again. My car payment was XXXX they added XXXX a month extra and made my payments to high for me to pay.I tried  fixing it a million times and they wouldn't help me.They since have put my car as a bad charge off and have sent me no info about my car.They have charged me over 2000 car insurance that I have and have had also I don't even know how much in fees my loan should have been paid off by now and I still owe XXXX and they haven't sent me and thing to fix this problem.I feel I have been taken advantage of by wells fargo they have made sure and destroy my credit.

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 2018-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX  XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX  phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. 
So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
rude, male demands I bring my account up to date. states I moved and have a previous account. told the XXXX i did not have a previous account in XX/XX/XXXX and i have the same account I did -and it was opened and activated this year only XX/XX/XXXX. he decided he was going to talk over me and harass me. told him to XXXXXXXX XXXX and hung up and blocked his numbers. XXXX and XXXX i have contacted XXXX XXXX who stated my account is in good standing and no new account was created. my account is paid and up to date.

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 2018-09-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Im having a big problem with American Express platinum card. I made a purchase on paying it off I was in the hospital and theyre giving me a hard time and the cut off to my credit cards. I told him Ive been in the hospital on my deathbed and this is the way they treat their customers. Im off have a balance of reward and I cant use it towards my purchases. Theyre a bunch of con artists. The sad thing is they approve me for the American Express XXXX are activated it today and they blocked my card. They can not do that. I want whats the title to me I cant help that I was in the hospital. And the in-laws pick me up today because they put me through XXXX and I ended up having another XXXX. They are not responsible for mine condition. 
i will be giving them my hospital bill ffrom today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Security Credit Services never sent a letter to me allowing me to dispute the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I was unemployed from XX/XX/XXXX to XX/XX/2018. In XX/XX/XXXX I asked for an extension to help me out during this time. I was told I would qualify and per the agent 's explanation wouldnt need to do anything else. With this issue I thought behind me I focused on moving for my new job. When we applied for a rental house we discovered my credit had been marked. This was the agent 's fault. The XXXX   complaint was responded that they tried to reach me, but again we had moved and I had updated this with the agents. I want the 30 day delinquent mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018, I received two Bank of America letters regarding Secured Business Credit Cards ( Application #, where I had to open a CD in the amount of {$1500.00} in order to process and open the two credit cards.

I applied for one CD on XX/XX/2018 ( Confirmation # XXXX ) and another CD on XX/XX/2018 ( Confirmation # XXXX ). I received two emails saying that " Online application is in progress '' but never received the account numbers or confirmation of opening. Subsequently, Bank of America withdrew {$1500.00} on XX/XX/2018 and {$1500.00} on XX/XX/2018. I have proof of the withdrawal on my bank statements. 

When I called the CD Department, they were unable to locate the accounts and said to call back another time. 

I submitted the Applications # XXXX and # XXXX on XX/XX/2018. I received email confirmation of receipt for them. 

On XX/XX/2018 I called in to Small Business Underwriting to see where we are at. The rep said I have to check with CD first and gave me the run around.

I am out {$3000.00}, no account confirmation of CD 's, and can not even open my two secured business credit cards. This is highly unprofessional.

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract.  They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Today, XX/XX/2018, my employer was served with a wage garnishment order for me. I had no prior knowledge of the potential for this to occur. No one called me or sent me letters. Suddenly they served my employer with papers to garnish for a debt that is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GMA Investments, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX is coming after me for a loan that I received online. the rates where not explained until I had already signed for the loan. I received {$1300.00}. They were expecting me to pay {$600.00} a month for 26 months anything but ridiculous. I tried to discuss this with them and give them their money back with no luck. They want you to default on the loan so that they get 15 times as much in interest. Receiving harassing calls at work and at home. Talking about garnishing my wages. This can't be legal. No one should be able to take {$15000.00} over a {$1300.00} debt.

Company response to consumer: Closed with explanation