vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: OR

Complaint narrative:
I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I added my son to my NFCU business account as an authorized user about 2 years ago or so. He was added with no problem. Today XX/XX/2018 my business assets are frozen because he owes them money and they blocked me out of my own business accounts. Apparently he owes them over {$5000.00} and they restricted my account because according ti them they can do that. My son went into a branch as was grossly discriminated against and treated like a criminal when I sent him to get a cashiers check. He has called in several times with me and they have been rude and We have been hung up on and when trying to speak to a supervisor I am advised that there is no one working that someone will return my call in 24 to 48 hours. According to what I know these accounts are from XX/XX/2010 and they are declining to forward information to validate the debt. On the recorded line the rep insisted he say that He acknowledge that he owes the money after repeated attempts by the rep in their recovery she hung up and became rude. By them restricting access to my buainess account it will cost me a total of about XXXX to XXXX in fees and other legal costs because of that. My business should not be responsible of them not verifying his information when I added him over 2 years ago. They should have said no of instead taking opportunity to try to collect on a business account that frankly he is only authorized to go when I am not available. I feel that these actions were initiated as a retaliation because they made me go through hoops about a code word on the account and because I stated that I would report them to the proper authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX WELLS FARGO CARD SERVICE CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.

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 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the NATIONAL CREDIT SYSTEM a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act. 

The only resolution is to remove this fraudulent account removed from my XXXX immediately which is in direct violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: MO

Complaint narrative:
XX/XX/2017 I took out a XXXX loan from speedycash and since then, for a year straight, I've made every single payment required and my account is only XXXX. I've called and asked to refinance but the customer service representative said the loan company doesn't offer anything like that. 
I've paid over XXXX $ to this company. I'm just a customer who needed money for bills and a year later I'm still feeling the reprocuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received an UNSOLICITED credit card from XXXX  XXXX. There was a hard inquiry against my credit score ( XXXX ). I did NOT request this card and want all references for this hard inquiry removed from my credit history. 

At the same day I RECEIVED this card a got also got a SEPARATE letter telling me my account was suspended. In this letter it was asking for Drivers license ID. Social Security, AND Utility bill, bank statement W2 form or 1099 Form.

This seems like a SCAM. No way I would send all that information to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct Recovery Services calls multiple times before XXXX local time ( Pacific Time ).

One example is XX/XX/XXXX at XXXX as logged by XXXX XXXX . 

Transcript from XXXX XXXX. 

( XXXX ) XXXX XX/XX/XXXX, XXXX XXXX XXXX and we do need to speak with you as soon as you are able to we will be available to take your call today and we are open until XXXX XXXX The phone number is XXXX. Again, this is an important message from the IRS and it would behoove you to call before we are asked to see XXXX XXXX communication. XXXX This is an attempt to collect a debt. Any information will only be used for that purpose. Please call or have your attorney to sell. Payments can be made online at w w w dot direct Recovery Services. Calm under the pay height. You will need your account number and zip code. Your account number is XXXX XXXX. And your ZIP code is 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 2018-12-10 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from  XXXX I have disputed inaccuracies with this account, twice. 
The account balance and terms reported are inaccurate, according to my original contract. 
Terms are higher. 
Balance is not calculated accurately, based on number of payments made. 
Last payment Made : XX/XX/2018 No payment amount listed for this last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I recently opened a business account with pay pal to collect fees for my youth soccer team. After receiving over {$200.00} in payments from parents I attempted to cash out to pay for a tournament. I received a message that my account was on hold because they are matching me up with an account for which money is owed. I have attempted several times to get information on the balance owed and I am just being told they can not disclose that information because of security reasons. So they just want me to blindly pay this amount and refuse to tell me what it is for. I need help resolving this and Pay Pal will not help. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I XXXX XXXX submitted a request to modify my mortgage in XX/XX/XXXX. I have been going through a serious medical issue where I lost my ability to XXXX XXXX XXXX. However, US Bank sent a nice letter responding to the CFPB complaint on XX/XX/XXXX, whereas I was sent by email a modification package. That modification package was submitted within 10-weeks, which is well within the timeline mandated by the revised Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Suddenly, I was served with a foreclosure notice, even though US Bank was well aware of my condition, and they were finally given a full modification package on XX/XX/XXXX. I am still gainfully employed and working through my XXXX  XXXX. I can not afford to hire an attorney to defend this foreclosure. In my opinion this is a RESPA as well as a FDCPA violation that I will take to the Federal Deposit Insurance Corporation if necessary. I need an immediate notice from the offices of US Bank as well as the foreclosing lawyers that this action has ceased immediately. The attached documentation speaks for itself, proving that I have followed the proper procedures on my modification processing.

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 2018-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my credit card then I reported to Bank of America. There were multiple charges have made not by me. I was asking Bank of America to help but unresolved. I have already contacted with merchant a few times but no results. Please help!

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 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
ON THE LAST XXXX XXXX  PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX  THAT SHOWS XXXX  XXXX  DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XX/XX/2018 I sent a certified letter to Equifax XXXX XXXX XXXX, requesting they investigate inquiries which had no account 's attached to them and no permissible purpose. 


on XX/XX/2018, I received a computer generated letter from Equifax stating that they sent the creditors an electronic request for information and thereby confirming the complaint. 
In XX/XX/2018, I resent Equifax another request demanding they reinvestigate my original request Under the FCRA section 609 ( a ) ( 1 ) ( A ) to provide me with the following information, 1 ) written proof that I applied for that credit line 2 ) who they spoke with 3 ) How did they verify the information 4 ) what permissible purpose was provided On XX/XX/2018, I received a computer generated letter from Equifax stating the sent out an electronic message and verified the information. I feel that another letter will have little to no effect with this company in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened an account with Citi on XX/XX/XXXX and the requirements for a bonus were to deposit XXXX for 30 days. Promo code was XXXX. {$15000.00} deposit landed at Citi on XX/XX/XXXX. From that point they said I had to wait 120 days to see the {$400.00} credit. That would have been XX/XX/XXXX. I have all the chat logs that said i have completed all the requirements and they are currently " Investigating '' my account. This has been the worst customer experience with a bank that I have ever experienced and should be criminal. I have given them everything that they have asked for and still no solution. 

Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 58 minutes 0 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.

This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. I will be glad to check this for you. 
XXXX at XXXX, XX/XX/XXXX : May I ask you to confirm only the last 2 digits of the Citibank account number in question? 
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
XXXX at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account. 
You at XXXX, XX/XX/XXXX : Thank you You at XXXX, XX/XX/XXXX : Anything? 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. I have confirmed you have met the deposit requirement and have maintained it for 60 days which was completed yesterday. Please note per the offer terms : " If you are an eligible client and enroll and fulfill required activities, you can earn a Cash Bonus. If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. '' As such, please allow 90 days from XX/XX/XXXX, which would be XX/XX/XXXX for fulfillment. 
XXXX at XXXX, XX/XX/XXXX : Mr. XXXX, are you still there? Do you have any other questions for me today? 
You at XXXX, XX/XX/XXXX : Yes You at XXXX, XX/XX/XXXX : Thank you very much for the assistance today You at XXXX, XX/XX/XXXX : That was all. 

As you can see from this chat log they did not follow their own terms. It should have been XX/XX/XXXX as the last legal day that the bonus would have posted.

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 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a check in the mail, and went to my 5/3 bank to deposit it. When the clerk came back, saying that the check could not be verified, she gave me the check back and said to check with the company that sent it. I called the number on the letter that accompanied the check, and was instructed to mail everything back, and that they would look into it. After I did so, I never heard anything else back from the company, and when I went back to my bank, I was instructed that they had closed my accounts and seize my remaining assets because the check I attempted to deposit was suspicious. I was then told that my balance would be mailed to me, and that there was no one I could talk to in regards to this incident. I was also told that had the check not been returned to me, that the outcome and actions taken by the institution would have been significantly different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have several student loans all which are consolidated thru Navient and the Department of Education. I began my schooling career in XX/XX/XXXX and completed 2 XXXX degrees in XX/XX/XXXX, then a XXXX  in XX/XX/XXXX. In XX/XX/XXXX i filed bankruptcy. After about 4 or 5 years i realize that i was not getting and keeping gainful employment and was relying solely on my XXXX check XX/XX/XXXX% of the time for my survival, i wrote the loan companies asking to be dismissed as because i was a person with a XX/XX/XXXXXXXX. The loan companies wrote me back and turned down my application without further ado. Now 12 years later i still have not had any gainful employment to speak of and the loaners are always ringing my phone. This is very disturbing for me emotionally, i spent nights crying about these debts i collected or was allowed to collect, equaling almost XXXX dollars. 
So i just read that there was a suit against these loaners because of other people with similar circumstances as me. So I am submitting a claim in hopes it will be reviewed and some sense can finally be made of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.

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