vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
O n 2 separate dates, Citibank denied reopening a MasterCard  credit. card that was closed.   They stated too long a period had elapsed and I would have to reapply  with s new  app. None of the contract statement states that reopening a card is not possible. My   XXXX   is  XXXX  and my  XXXX  is  XXXX  A.   The Bank rep told me it would take a week to 10 days to get a decision in the mail. The next morning I received a standard letter with generic terms of credit card app denial.     There is no reason or review being made in this decision.   This was my longest card duration of over 20 years.     AAdvantage Card  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , NJ  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 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: NV

Complaint narrative:
There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.

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 2017-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The principal on this debt was paid directly to original creditor  XXXX   XXXX . Balance represents interest and i s three times th e amount of the loan.     It is illegal to report pay day loans to credit bureaus in Texas.       Ad Astra ignored by request to find out if they are licensed to collect in Texas.
Ad Astra s  aid they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Originally This account was handled by   XXXX   XXXX   XXXX  ,  XXXX  , in   XX/XX/XXXX , a t some point it was transferred to the Department of  Education/Nelnet Student Loan Servicer a nd was in deferred status bu t Nelnet say s that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  a nd that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the    XXXX   XXXX    XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times sinc e  XX/XX/XXXX . F orward to   XX/XX/XXXX   the old account has been closed and a new account has been opened and is being paid to a new company called   XXXX   XXXX   XXXX   XXXX  , but the old account is still showing as derogatory and says to contac t Creditor. Right  now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX ,   XXXX    and  XXXX  credit reports I get a new  black  eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after  a Hard Pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is not licensed to collect in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a  manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me  2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a  manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today  XXXX / XXXX /   17  around  XXXX  police came to my house it 's the last thing bank of america has done to me I make a complaint 2 day ago about his lawyer harassed me now I have police caming to my house they say that bank of america call them and to check what is going in my house and I was doing some kind of fraud at the hospital this is getting out of control I when to the police department and they gave me the same information about bank of america they have all the information of the people that called from bank of america I do n't know what to do I feel scared about bank of america would do to me I make a complaint about they do n't want to help me with my morgage but they keep making me more sick of what I really I 'm they keep harassed me any way they can I have stated that I do n't feel good and I whish it 's not but bank of america make me nervous and scared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I reviewed my checking account bank statement from  TCF Bank  and I saw several unauthorized charges to a  XXXX  accoun t (   XXXX   XXXX   XXXX   transit card ). They were small in dollar totals,  XXXX  a charge and when I reviewed older statements I saw these charges several times dating back to  XXXX  of   XXXX  . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.

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