vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capita l One Closed my accou nt and started reporting negative credit information on me. All of this was done while they were telling me to pay the card. They charge me an exorbitant amount of fees that I disagreed with because they mailed invoices and notices to incorrect address but penalized me for there mistake. Moreover, their fees pushed my card over the limit repeatedly. Additionally they made me personally responsible for the card when it was a corporate card. Thereby, causing great harm to my credit profile, causing it to drop more than  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX 2017 I was threatened with contempt by XXXX XXXX XXXX XXXX 2017 I was served with a Garnishment and Demand for personal Information From XXXX XXXX XXXX to My employer XXXX XXXX XXXX  XXXX XXXX  Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied XXXX XXXX XXXX XXXX XXXX  Demands admission From My employer and threatens Litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XXXX  2012 ,   I went into    XXXX   XXXX   to discuss options for hair removal. We had agreed to 10 appointments for a total of {$3800.00}. After the first appointment, I declined to continue and asked for a refund of the remaining services. The company offered to have the services transferred to another service instead of the hair removal, however I declined and assumed that I would be refunded the remaining amount. However, as I am now applying for a mortgage, I found that Chase is reporting the debt as a charge off with the amount reflecting past due. I absolutely dispute this as it is a debt for services never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
as of  XXXX  or earlier   XXXX   was reported a {$570.00} balance, this is after I ended my contract with a   XXXX    balance in  XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing..   XXXX  and erc are giving me the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
After receiving a letter from IC System on  XXXX   XXXX ,  2017  of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on  XXXX   XXXX ,  2017  ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have received notification from my home owners insurance company that my policy was going to expire due to non-payment, yet my mortgage loan is escrowed. In order to prevent the cancelation I paid the home owners policy myself. I have been attempting to contact my mortgage servic er ( Wells Fargo ) however they do not pick up any of their phone line when going to the insurance prompts, or general servicing. Most recently I called the line stated that they are experiencing a high number of calls and to call back later then disconnected me. I as the consumer should not be responsible for correcting my mortgage companies error, and even when I do correct it, I ca n't contact them to discuss to prevent from happening again. Not sure what the service company is doing other than simply taking my payments. Need help to get into contact with Wells Fargo since multiple  attempts at multiple lines have failed to get anyone on the phone.   Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: IN

Complaint narrative:
After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.

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 2017-05-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i filed a complaint with equifax credit bureau through a certified letter and they signed for on  XXXX   XXXX ,2017. They never disputed my complaint on my  XXXX  credit report but on my  XXXX   2017  credit report they put it back on my credit report. This is dishonest and unlawful they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: TrueAccord Corp.
State: MI

Complaint narrative:
I 've received several emails from the c ompany, True Accord   XXXX   XXXX   XXXX   XXXX   XXXX . Beginning in late  XXXX    XXXX   and today  XXXX   XXXX ,   XXXX  . The company is giving me until  XXXX   XXXX  to pay the full amount owed which is {$740.00} or they will pursue legal action against me. I told them that financially I 'm having a hard time meeting that obligation and I requested a much later time in the year. But it 's not to their satisfaction. So the company is continuing with their threats. I am financially in a bind and I honestly do n't know when I will be able to get back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!

Company response to consumer: Closed with explanation