vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you 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 2017-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
They contacted me to help get me a modification to save my home to stop the foreclosure on my home. On  X/XX/2017    I gave them money for {$1500.00}. The next payment was on  XX/XX/2017    for the same amount then another payment were due me and my son we did not send that payment. Then this man call me fro m SPS Serviceing  by the name of  XXXX   XXXX  he stated to me that I was about to loose the modification. That was set fo r twenty yea rs at {$1300.00} A month so me and my son would not loose our home. He said that we must send in {$900.00} dollars. We call sps serviceing they never heard of  XXXX   XXXX   XXXX  I have his phone number  XXXX   XXXX  a widows. My husband was a  XXXX  vet. Please help me get my money back thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center
State: LA

Complaint narrative:
I have been receiving calls for several years from Nations Recovery Cente r , Inc.   XXXX .  XXXX   XXXX ,  XXXX  GA,  XXXX ,  XXXX , about a debt that I do not owe. I have repeatedly asked them to remove my number from their list yet the still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  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 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a letter for writ for garnishment. I 'm not even sure what the debt is.I have a phone with limited mins.and no other form of reaching these people.. I live on very limited means, and there asking for 25 % of my   XXXX   XXXX  ,   XXXX   XXXX   check.. I simply ca n't live with that.. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: NY

Complaint narrative:
My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on  XX/XX/XXXX  from   XXXX     XXXX   XXXX . Account or  XXXX  number :  XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About  10 to 14 wee ks ago I called Fifth Third (  5/3 ) B ank who purchased   XXXX   XXXX   XXXX   some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a  XXXX  vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone :  XXXX  ) I spoke to  XXXX  a t Fifth Third Corporate  on  XXXX / XXXX / XXXX  ;  XXXX  #  XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
UPON APPLYING FOR CREDIT, WAS DENIED BECAUSE OF AN UNKNOWN DEBT .CREDIT REPORT SHOWAS A NEGARTIVE UNCOLLECTED BY : CREDIT COLLECTION SERVICE  XXXX   XXXX   XXXX   XXXX  MA  XXXX  FOR A DEBT FROM  XXXX  NEVER CONTACTED BY ANYONE SO I HAVE NO KNOWLEDGE AS TO WHAT THIS IS.THERE HAS BEEN A PROBLEM IN THE PAST WITH ANOTHER  XXXX   XXXX  ON  XXXX  IN  XXXX   XXXX  CA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX      XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am having an issue with Bank of america. They have disconnected my online banking and i have not been able to access my account online or make payments to my credit card due to this. I have tried contacting them on fixing this situation and they are not helping me resolve this matter.

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I contacte d Citi rega rding my deceased husband 's AT & T Universal card. My husband opened this account in his name. I was a cardholder, but not an account owner.     When I contac ted Citi they  took his name off the account and change it to my name, which is wrong. I wanted the account closed, and since he has no estate, there is no money to pay the balance. I was so upset because I called just a few days after his death, and they talked me into making a payment.     Then they said I would now be responsible for the balance. I reiterated that I was a card holder and not an account owner. They also repeatedly asked for my social security number, which I did not provide.     When they told me I must make payments, I asked them to send a copy of the credit card agreement with my signature showing that I was an account owner and not just a card holder. That was back on  XXXX   XXXX  or  XXXX .     I and my son have called and spoke with  Citi mu ltiple times since then because they keep telling me  XXXX  of  XXXX  things. Either they do not have records of documents older than 7 years, or that they will send me a copy of the credit agreement proving that I am a joint owner on the account. As of  XXXX   XXXX , we have not recieved a copy of the credit agreement.     If I were not just a card holder on this account my husband opened himself, then Citi would already have my social security number.     I am almost  XXXX   years old, livi ng in subsedized senior apartments and have no money. I need 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 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I would like to know the specific breakdown of how my  XXXX  Reflected that I paid between   XXXX - XXXX  pe r year, but not last year as it appears to have been fixed for future years but to this point I have over paid in student loan interest when my interest rates were only  4-8 p ercent.     I asked for this information over a year ago from the company and did not get a response. I spoke with the company after my last complaint and asked for it again and was not provided it.     When my loans were consolidated, the payments were not applied correctly over a year ago and I have made several phone calls to try and have someone submit something to fix it but have not been successful.     The loan monies were supposed to pay off the HIGHER interest loans first and leave the lower interest.     I have several loans and I have never had a loan company treat me this way.  XXXX  is who I consolidated with and they realized that they did not give me a loan percentage decrease and proactively sent me an email that they would fix it. I didnt even recognize the mistake, but it seems that there are several reasonable companies to deal with but navient is still not responding to my previous request.     I am only asking for them to fix THEIR mistake and credit me the back money that they owe me as a result. I am not denying any terms I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a letter from Bank of America notifying me that they canceled my credit card due to the reasons  of 1. an inactive account and 2. seri ous delinquency, and public record or collection filed.     The fact is that I have had this particular credit card as an emergency backup and had no problems for the past 20 years, also I am currently in the process of removing fraudulent accounts from my credit reports due to identity theft of which I became aware only in  XXXX  this year.     I 'm not happy that the bank did not contact me first before canceling my card, and I have no way of contacting them to present my side of story.

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 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: CA

Complaint narrative:
In rebuilding my credit, I 've opened  XXXX  accounts w ith Capital One and  have never missed or had a late payment.     For reasons unbeknownst to m e, Capital One r estricted my last open account without disclosing any information why on a Saturday in  XXXX . My card was simply unusable.     Upon callin g Capital One, the c ustomer service rep informed me that s/he was unable to help as it was a weekend and that I would have to wait until Monday to speak with the fraud department. After waiting through the weekend, I called on Monday to the fraud department. They informed me that there was an " internal investigation '' and my account would be on hold for up to 30 days. When asked why, they said there was no further information they could give me and were unable or unwilling to escalate my call to a manager.     I called almost weekly as I still had not received any information from  Capital One.  On  XXXX   XXXX , after receiving a call fro m Capital One ( the *first* contact from them on their end ) w here the fraud representative said she still did not understand what was going on with my account and she 'd update me in a week, I went online to check my account.      Capital One ha d closed my account on  XXXX   XXXX  and, again, never informed me, or even informed their fraud department, as the individual that called me still said that she was unable to see any information on the account.     I called in again and would n't get off the phone until they transferred me to a supervisor, even though the rep advised me that " they wo n't be happy that I 'm transferring you. '' After being put on hold, the supervisor said that due to an internal error they closed my account, having nothing to do with me, my payment history, or my credit, and that the decision was final and I should be receiving a paper notice in the mail within the next week.     To be clear : no matter if you make your payments consistently and on time, never ONCE have a late payment, and have more than one account with them ( I also have a car loan and other credit accounts -- ALL in good standing and not one ever having a late payment ) Capital One can and will just close your account, never inform you, and then, after 45 days of no contact or explanation, state that the agreement you sign says they can close your account for any reason.     This is unconscionable behavior for any company, let alone a company with the power to control and rate, your credit. Beyond disappointed in ho w Capital One treats  their customers.

Company response to consumer: Closed with explanation