vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Last year, I filed a complaint about XXXX XXXX who called from the late summer of XXXX into the spring of XXXX. Our phone message asks four questions of all callers : ( 1 ) a full name ( 2 ) a legitimate callback number ; ( 3 ) time of call and ( 4 ) a detailed message. The message further says if you give us this, we will call you back. 

We know the debt collectors are looking for someone we do not know. The debt collectors have been looking for this mystery person since XXXX. When you stopped XXXX XXXX from calling, we had about a 8-10 months peace and now Portfolio Recovery Associates calls all the time. 

Since Portfolio Recovery Associates does the same thing- will NEVER leave a message but call every week day, sometimes 2-3 times per day- we are growing tired of it. If they would follow the prompts and leave the information for which, we ask, we would speak to them, tell them we do not know for whom they seek, and then tell them NOT to call but they continue disrespecting us. We OWE NO DEBTS to anyone other than what we are currently paying. 

XX/XX/XXXX, XXXX- call at XXXX XXXX hang up XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX. hang up. XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX We receive other calls from private callers as well as ones with similar area codes but no one ever leaves the required answers we request to speak with them. This has been ongoing for a long period of time ; I have been slow in keeping a diary as I thought when the CFPB got rid of the XXXX XXXX onslaught of calls, we would be done with these people. Apparently not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Navient never explain loan for forgiveness was available for income driven plan. They made it sound like a bad option as you have to reapply every year and show your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I HAD ALREDY DISPUTED A REPORTED ACCOUNT ON MY REPORT TO THE COMPANY CONCERNED YET IT IS BEEN SHOWN ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for medical services that I have never used. I do not recognize this account nor the details mentioned. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have had two ( 2 ) credit card accounts a savings account and a checking account with US Bank. The attached documents will prove this. 

I was never late with my credit card payments ( ever ). A branch manager treated me poorly regarding my checking account so I gave his branch a 1* XXXX review. At that time in XX/XX/XXXX, I filed a complaint with the bank to his supervisor a Mrs. XXXX as directed by another branch manager. She never responded. Then in as a punitive measure, the branch manager closed all of my accounts with no reasons given on XX/XX/XXXX. This has harmed my credit and caused me a great deal of difficulty as I was on vacation in another country when this action was taken. 

I called a regional office who told me " they could not see why in the world they would have closed my accounts ''. I was talking to a XXXX XXXX on XX/XX/XXXX who had all of my account information in front of her. She confirmed my statement about my excellent ( perfect ) pay history and asked me to send an email recounting my story and that she intended to escalate the matter because she believed I had been mistreated. This has since been confirmed by XXXX XXXX Operations for US Bank. 

I filled a complaint with CFPB ( case # XXXX ) on XX/XX/XXXX. US Bank has fraudulently told you that they do not recognize me as a customer ( reference your letter dated XX/XX/XXXX ). Clearly, the attached documents will prove they are untruthful and further avoiding responsibility. 

Based upon the foregoing and US Bank 's attempt to mislead your agency, I respectfully ask that you open a new complaint with this additional information. 

Thank you

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am trying to close an interest bearing checking account at M & T bank. I submitted a request to close the account via secured message on XX/XX/2019. I received a response on XX/XX/2019 stating that I would have to visit a branch or mail a signed request and that the signed request must be notarized if the balance is over {$1000.00}. I will try and pursue one of these methods, but both of these methods are very inconvenient.

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 2019-04-04 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XXXX of 2018 I filled out forms for a credit card at TJ Maxx. I have never used the card however. ( I still have the card in the original envelope it was mailed ). I have been extremely cautious about my credit. Months later I saw I had a derogatory report on my credit score. I learned this was from TJ Maxx so I went to the store to resolve the matter. I was told they had no information on me and no records that I owed anything. Unfortunately I believed them. I filed a dispute. Months later I find out it is still on my credit report and the amount is {$270.00}!!! I have never used the card. I have never received a bill. I have never received an email regarding a bill or purchase. I did not charge any purchases at TJ Maxx!! I do not know how this bill came to be on MY report or supposedly charged to MY card but it is obviously in error. How do I resolve 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 non-monetary relief
Consumer complaint received 2019-04-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened two travel credit cards with chase. These two particular cards were recommended by financial adviser. I opened a few other cards to built credit. I have rebuilt my credit. I had been paying for everything mostly in cash. We chose the cards according to travel benefits, points that were offered per approval. They make other offers per use of the card within the 1st three months. I used the cards booked all my travel as I travel for a living. The accounts were closed without any warning. Paid as agreed. I was sent a letter after calling to inquire about the closures. In the letter it stated I had to many new accounts opened in a short period of time. I asked about the terms of the agreement. I hadn't used all the benefits that were given upon approval of the cards. I asked how can I get the benefits that I earned per charging the card was apart of those conditions of the term of the card. I was told just continue to make the payments. I've read a lot of complaints of the same issue. It seems as though chase false advertising on their credit cards to get people to charge up the cards then prematurely close the cards without keeping their end of the agreement. Many of the reward through the airline only work with the use of the credit card at that time of travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I am the Borrower on my loan and I discovered that Caliber Home Loans has been discussing and giving out information on my loan to an unauthorized party without my permission. The party actually tried to do a contract of sale without my knowledge with a co-borrower who released all of her rights to the property in a court action. I contacted Caliber today and they acknowledged who ordered the payoff XXXX XXXX XXXX, XXXX XXXX @ XXXX. 
I spoke to Caliber and then I learned that this company was on my account since XX/XX/2019 without my knowledge or permission. 
They have been hired by a person name XXXX XXXX who is not on the mortgage or the note. 

Caliber has no right to give out information on my loan and these people actually tried to have sale on my home without my permission. My mortgage is current paid every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: CITIBANK, N.A.
State: NC

Complaint narrative:
im not 180 days late and citibank charged my account off im seeking {$1000.00} im damages for violation of the F.A.C.R.A clear violation and im seeking damages in the amount of {$1000.00}. i should of only been 120 days late.

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 2019-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2018, I received wire instructions by email, from XXXX XXXX XXXX XXXX XXXX, an XXXX real estate law firm with wire instructions to Sun Trust Bank. It should be noted the State of Georgia requires all real estate closing to be funded by wire transfer. This way the legal firm, broker, real estate agent and seller receive their funds immediately, while the buyer has no protection under Regulation E. 
The day of closing I was informed they had not received the wire. The wire instructions, I received from XXXX XXXX XXXX, did list the account number and amount needed for closing, but the account number on the form belonged to a fraudulent account opened by XXXX XXXX. I had conversations with the Fraud Department of Sun Trust Bank. I was informed the account was being monitored for fraud and I would get my {$79000.00}. I received information about the two branches involved. Then, I was told I am not a customer of Sun Trust Bank and all communications stopped. I wanted to review their account opening processes and training. I believe they were negligent in this area resulting in funds being misdirected at my expense. Notes are attached.

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 2019-04-04 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: NC

Complaint narrative:
File # XXXX reason : reason- I contacted Transunion on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Transunion sent me back a dispute result where they claimed to have verified in which Transunion has not furnished any documentation whatsoever which means they are reporting false information.

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 2019-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
AES recently responded to a previous CFPB complaint about claiming they're under obligation to send correspondence through the mail for any loans going past due. If AES feels that what they're providing is the truth, then they should be sending all documentation highlighting where it says specifically that they are under 100 % obligation to send correspondence through the mail. If AES can not prove this, then they have no case and should be held under extreme scrutiny for Fraud. It's the same as if they were in a court of law and couldn't prove it, but claimed what they're saying is the truth. Until they prove what they're saying is true, it's honestly anyone 's word, and for all I know they could have been found guilty of committing perjury in the past. 

It's pretty obvious that AES is starting to build a very unwanted profile of themselves. All you have to do is read any one of the MANY potential suits/complaints below or active suits below. Any consumer who has loans through this company should never trust this company and question every move they make. Sorry to be so exposing, but AES trying to claim they're doing the right thing without providing proof that they aren't is an attempt for them to play devil 's advocate. 

https : //www.meyerwilson.com/AES-Student-Loans.aspx https : XXXX https : XXXX https : XXXX https : XXXX From XXXX ( if a company was so squeaky clean of any guilt, then you shouldn't have gotten a lawsuit filed against you to begin with, no? ) The lawsuit accused PHEAA of deceptive practices that caused public servants to lose benefits and financial assistance under two federal programs, including one that forgives student loans after about 10 years of public-service work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: TX

Complaint narrative:
I paid the collection account to company provider itself. Paid in full.

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington bank closed my account because of a dispute that was resolved in 2017. They would not give me a reason why they closed my account and they wont let me reopen an account with them when i don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have medical bill reporting on my credit that I have no knowledge of. I have never utilized these services under no circumstances. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
More than 4 time I called them they pass me to XXXX XXXX XXXX 
XXXX  XXXX XXXX pass me back to collection department and they pass me to diversifild consultant and this cycle turned for three time. 
Just you owe nothing but they dont know what is the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My Wife upgraded her American Express Gold card to a Platinum card. During that process requested an additional card be issued in my name and provided all necessary information such as DOB and SSN to have the card issue. American Express sent a letter denying the request for the card and in the letter it instructs " if the additional card applicant would like to know the reason for our decision or has any questions they can call us at the number below XXXX. '' Twice I have called to find out the reason fr the adverse action taken against me as instructed per the letter. Each time they have refused to give me a reason for the adverse action. I pass every security question that is asked of me, yet they refuse to tell me why they are not issuing me a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I had an issue going on with payments and billing on card number ending in XXXX. Because Citi wanted to make money off me by increasing Late Fees, they said they can not allow me to change my due date when I really needed to change it. 

Citi just WITHOUT my asking or CONSENT and in violation of the law changed my due date on the credit card so that I will miss my payment due date and those criminals can now charge me the late fee they were increasing on my account. I did NOT ask for my due date change this time and the date was changed ARBITRARILY by Citi. I have an automated email from Citi evidencing that change from today.

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 2019-04-04 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: CITIBANK, N.A.
State: IA

Complaint narrative:
XX/XX/19 Never authorized an inquiry for credit with this company.

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 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2018, the company offered me a pre-approved visa credit card where I can earn XXXX points for spending {$500.00} within the first 90 days. I applied and was approved. I started using the card. Right after I spent {$500.00} and earned the XXXX points, I received a letter from the credit card company stating they decided to close my account. All my points were lost. The company stated they closed my account because of the number of recent inquiries on my credit report. I did not think it was fair because I had made payments on time and my credit score was XXXX. The number of inquiries had nothing to do with whether I would able to pay my bills. I wrote a letter to the company on XX/XX/XXXX to plead my case and I have not received any response as of today. I think the company is committing fraud for getting us to use their cards and then not honoring the offer they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.

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 2019-04-04 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: FL

Complaint narrative:
I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.

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