vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
Lloyd and McDaniels law firm apparently sued me for a debt in XXXX. The original debt they said was through XXXX computers and then XXXX XXXX. They wouldnt tell me how old the debt ( original ) was from XXXX but if this action took place in XXXX from the 3rd collector and its 4 years old Im going to guess it was at least 10-15 years old because Ive not even owned a XXXX in that long. My wages were garnished this past payday which was XX/XX/XXXX and I had no idea that was even going to happen. I called the number on the paper that my Human Resources got for me from the payroll department. They said they were not releasing the garnish. I make {$300.00} every 2 weeks if that and I am a single mother. This puts a hardship on me trying to take care of my daughter. I am finally getting a few more hours at work then it takes out the extra I would have had from a garnishment I didnt know about. If I was served in XXXX I dont remember that was 4 years ago and also was going through a divorce at same time. I was never sent a letter letting me know it was coming out now. I am working more hours for the same pay and missing out on time with my daughter. I need this garnishment stopped because I dont know what Ill do if its not. The debt is for {$4500.00} XXXX cant pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SINCE XXXX I BEEN FORMALLY REQUESTED TO BE CONSIDER FOR A LOAN MODIFICATION AN EVER EVER BEEN HELP AT ALL I BEEN REJECTED, TOTALLY IGNORED AND THE COMPANY MISLEADING THE INFORMATION MANIPULATE THE US POST OFFICE WITH THE BACK DATED NOTICE AND SOLD MY HOME WITH OUT TAKE AL LOOK OF MY APPLICATION, DO NOT RESPONSE MY PHONE CALLS AND FINALLY THEY SOLD MY HOME ON XX/XX/XXXX AND I HAVEN'T BEEN ABLE TO CONTACT THEM AT ALL AND I HAD SOME CALLS FROM THEM WITH TREATS, PRETENDING THAT THEY DO NOT UNDERSTAND ME OR THEY DO NOT HEAR THE CONTACT IS NOT CLEAR I A A SENIOR XXXX AN I DO NOT HAVE ANY WHERE TO GO IF THERE IS ANYTHING THAT YOU CAN DO TO HELP ME AND MY FIANCE XXXX XXXX SHE IS SENIOR AN XXXX TOO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I enrolled my Lowe 's credit card ( issued by Synchrony Bank ) into Auto Pay on XX/XX/19. I had a payment due on XX/XX/19. My account was never deducted the auto pay amount and I was charged a fee. I checked the day of the due date and the website indicated that my auto pay was " on ''. When I called customer service, they indicated that it can take a cycle or two to have this feature activate. However, as I mentioned, the online portal indicated that this was actually " ON. '' I was reimbursed the late fee, but I feel that this is a deceptive practice by the bank. Their online account portal should accurately reflect the current state of auto pay to eliminate confusion.

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 2019-06-24 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: CA

Complaint narrative:
I had a Citi Double Cash credit card for 4 years. I had 7 instances of fraud on this account which required them to issue a new card number. Most recently I had 3 instances of fraud in XX/XX/2019 that required them to issue new card numbers. In each case I have had my physical card in my possession and fraud was all carried out online. I don't believe that Citi has investigated these issues or taken proper measures to protect my account. I also believe that Citi 's employees were in some way responsible for the fraud. I have had several conversations with their customer service and fraud department ( which are all located outside of the United States ). Nobody ever followed up with my concerns even though they claimed they would investigate. The most recent incident involved people signing up for recurring subscription services with my credit card and even after a new card number was issued they rolled those fraudulent subscriptions over to my new account. I was told by one representative that in fraud case they would not authorize any recurring charges on the new account by their policy. So at the very least they are incompetent in following their own policies and at worst they have people working internally that are taking part in fraud against their customers. I have since closed my accounts with Citi because they are a liability to me but I feel like they should be investigated.

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 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Originally opened the account in XX/XX/2016. Paid on time for two years, paid balance in full. Never used card again. Now it shows a balance of over 3,000.. Best Buy has recognized the fraudulent activity, sent me a letter a year after the fraud. Interest and charges added up to the amount now. I received a letter from a lawyer saying they have sued. I am having trouble getting Citi bank to accept information from best buy the store. I am unsure what steps to pursue at this time.

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 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my account in XXXX, 2019 at XXXX XXXX branch and had XXXX direct deposits after that. All of a sudden the bank closed my account in XX/XX/XXXX without even notifying me in advance. I got an email from them that my balance is zero and account has been closed. First I got scared that its a fraud and I called them to find out what happened, but they couldnt provide any information or reason and they also said that I should pick up the clearance check in the branch where I opened it. I am visiting my fianc in XXXX right now and will be traveling for the rest of summer. So I cant go back to XXXX to pick my check and they dont provide me with any other solution. I think its should be illegal to close account without notifying me and doing whatever they want with my money. Im a XXXX candidate and Im not working in summer. This money is very important for me right now. Also I opened my account during promotion period, which said that I will receive XXXX $ after having XXXX $ direct deposit in a month which they will put in my account after XXXX days of receiving the deposit. Of course, I didnt receive any promotion too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am having multiple issues with an USAA account that was over drafted by unauthorized usage on an account where I am an authorized user and not an authorized cosigner. The account was used without my knowledge or my fathers knowledge and is being reported as a defaulted collection. I have taken a police report and included it to company reporting data. I have asked for an investigation into the matter and an affidavit as well a complete listing of charges made on the account. No investigation or documentation was received. I have asked multiple times to have the matter reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Nelnet, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I, XXXX XXXX, requested consolidation of my loans serviced with Nelnet with a single loan via XXXX XXXX University and serviced through XXXX XXXX. My call requested that the loans are serviced as they were except with the XXXX loan added to a group that can also be processed from a single payment. Instead, Nelnet only consolidated the loans that they were already servicing and raised the average interest rate by 0.8 % This will force me to pay more than my plan would require because as of XX/XX/XXXX I have been paying about double my minimum payment and directing the excess payment to the principle payment of the loan with the highest interest rate, which was 6.6 % This interest rate is higher than the new consolidated interest rate but it would have been paid off in less than six months and the next highest interest rate was below 4 %. 

XX/XX/XXXX XXXX, XXXX XXXX, called Nelnet again to reverse my unwanted consolidation. I was told this was not possible so I then reaffirmed my instructions to pay approximately double the minimum payment required and apply everything after interest to the principle of the only consolidated group. This was not followed and all payments above the minimum were applied to future payments instead of the principle. I only want my principle lowered because I want to pay less interest each month. 

XX/XX/XXXX I, XXXX XXXX, called Nelnet to find out why there was no automatic payment. My loans were in deferment because I was enrolled in above half time at XXXX XXXX University. I made an electronic payment to keep my payments consistent with specific instructions to apply all of the payment towards interest of any unsubsidized loan and then apply the rest towards the principle amount because the interest of my subsidized loans was being paid because of my school enrollment status. {$430.00} of the {$600.00} payment was applied to interest instead of loans even though I had been making payments each month because " a mistake was made when handling interest of the two loans under the consolidated group '' XX/XX/XXXX I, XXXX XXXX, called Nelnet to to figure out why {$430.00} and why my next payment has {$200.00} of interest when the previous payments had $ 10- {$20.00}. After being on and off hold for 2 hours I finally got the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
XXXX called from XXXX XXXX this afternoon. He needed to identify me. He asked for my Mothers maiden name which I then gave him. He then asked my birthday which I then gave him. Incredibly, he asked my age!!!!!!! I repeated my birthday! Again he asked my age. Again I gave my birthday. Again he asked age! The XXXX question I have ever heard! Total incompetence! What kind of company is this? I hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I never received any letter from the company in regards to this debt. I never receive any documentations, contract, or my signature on anything showing that I owe this debt. I have only receive emails and phone calls about this account or statements showing what the company say I owe in email attachment. Also with the phone calls and emails no one at National Credit Management disclosed I did not have to do business with them. Only that I need to pay the account in full or set up payment plans. I have asked multiple times for them to send documentation about this loan and was told I didnt need anything else other than I owe XXXX XXXX  University money! 

I was never informed that I am NOT required to do business with the company under the ( Contract Law ). Which is illegal. I feel like the company extorted/extorting me to make payments without any proof of this debt. 
Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account They have not indicated that I have ever made any payments on this loan they claim I owe. 

I tried multiple times to solve this issue and was ignored or giving false information. They refuse to remove the remarks off my credit report. 

XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Total Card, Inc.
State: IL

Complaint narrative:
I applied for a Credit card through total visa. They charged me {$89.00} for processing fee and {$75.00} for annual fee. I paid both before I received the card. The first card took a month to receive so I called in to report card lost. They issued out a second card on XX/XX/XXXX I received the second card approximately XX/XX/XXXX or XX/XX/XXXX. I was not able to create online account to view billing statement because I was waiting on second card to arrive. After the fees were taken out I had a balance of {$220.00} I used the card on XX/XX/XXXX XXXX. On XX/XX/XXXX I tried to use card again it declined. I called total visa they stated I didnt pay {$39.00} on XX/XX/XXXX half of {$75.00} annual fee. I stated how can I pay {$39.00} when I knew nothing about it because I never received the card or disclosure. This company Is a rip-off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX  with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from 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 2019-06-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are 2 more inquiries on my credit that i did not authorize. XXXX  on XX/XX/2019 and XXXX on XX/XX/2019 and XXXX XX/XX/2019. I contacted XXXX and XXXX  both whom could not find any credit applications and told me to dispute with credit bureau. XXXX stated they dont have a department for mr to talk to regarding this inquiry. XXXX stated they dont see any applications for me on that day and they dont know where or why it is on my credit. These inquiries are bringing my score down and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 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: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & Transunion are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from 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 2019-06-24 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: CA

Complaint narrative:
I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of XXXX   placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of XXXX. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$XXXX}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after XXXX  years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from 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 non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/19 and spoke to one of their management team Ms. XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!

Company response to consumer: Closed with explanation