vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is a charge for XXXX equipment when I cancelled my service with them. I returned the equipment with the return receipt that they sent me to return it. I have attached the complete record of this. I have the label where it was shipped and a copy of the items there were shipped back, as well as the email authorizing the return. I have contacted XXXX XXXX XXXX and the collections people repeatedly about this but have not gotten any assistance. I do owe on a wireless bill too and will be paying that because I owe it but this, I do not owe!

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 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from bank of America for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from bank of America dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks

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 2018-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for inquiry

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 2018-02-05 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: MOHELA
State: CA

Complaint narrative:
I'm currently in my second semester of grad school ( full-time ). My Federal Unsubsidized and XXXX PLUS loans are being serviced by Mohela. My husband and I have been making payments toward my student loans ( at this point, roughly $ 2k, which has been enough to pay off my Student Plus loan from my first semester ). Despite explicit instruction on the Mohela website that any payments made within 120 days of loan disbursement would be applied to the principal, we noticed that Mohela began applying payments well in advance of end of the 120 day window to the interest. When we called Mohela to speak to a service representative today ( XX/XX/XXXX ), he first tried to confound us with the use of confusing and nonsensical jargon in an attempt to justify the application of payments to my interest. When that didn't work, he told us that in order for Mohela to honor the 120 day window, I would need to write and fax a letter making that request, even though no such instruction is listed anywhere on their site or in the loan agreement. Our suspicions that the company was hoping that we wouldn't notice the early application of payments to my interest with the sole objective of making additional profits were confirmed. In my case, this was around {$7.00} extra dollars, but I can't imagine how many others taking out even larger sums of money might be impacted by this unethical and misleading practice. Unethical behavior such as this has far-reaching consequences - not only for students, but for the US and world economy. It baffles me that the US Department of Education and US government would leave students in the hands of companies like Mohela, which brazenly mislead and confuse students into paying more money than they need to, which contributes to mounting student loan debt which contributes to students ' inability to participate in the economy as consumers, and ultimately leads to major economic crisis like the one that we just saw in XX/XX/XXXX. Not only do I view this as the height of idiocy on the part of the US Government, but I'm truly disgusted by the value system of flagrant greed that we continue to espouse and perpetuate in this country. And I want Mohela to know that financial power is not the only kind of power that an individual can wield, and I will be calling upon the power of information to fight this corruption. I will be sending a campus-wide email to my fellow students at XXXX in order to warn them of Mohela 's practices, and I will share that letter with other institutions. I will also be sharing my experience along with screenshots from the Mohela website with journalist friends at XXXX, the XXXX XXXX XXXX and others, as well as forwarding this information to my elected representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Midwest Recovery Systems
State: ID

Complaint narrative:
Last week I checked my credit report to find that I had a new collection account from Midwest Recovery Systems prior business being XXXX XXXX XXXX XXXX. I have never done business with either of these entities or given authorization for a loan. They claim the account was opened XX/XX/ 2018 for {$800.00}. I never received {$800.00} from anyone or business nor have I applied for a cash advance. This claim is fraudulent and needs to be removed ASAP. I have not contacted either business for the fact that it could be a scam and I do not what to give them any personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
After the XXXX security breach, summer ofXX/XX/XXXX, I had my credit frozen. I signed up with XXXX  Credit monitoring just to be safe.

I have had an excellent credit score in the 800 's for many years.

I was notified XX/XX/XXXX that my credit score has fallen 54 points on all three reporting agencies. There is no indication why this has happened. It seems arbitrary. Nothing has changed. No new credit. No new loans. One very small credit card balance was paid off, but that should not have effected my score this much. Everything is the same. Bills are paid on time or early and usually with more payment than necessary. No hard or soft inquiries. No one seems to know why this is happening. I have written a letter to XXXX  Credit monitoring to ask why this is happening. I honestly have no faith in them responding. If they notify someone of a 54 point drop in their credit, you would think they could tell you why.

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 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Late payments were reported to the credit bureau on my account and i had no idea that the payments were late. A family memeber was supposed to be making the payments and they decided not too and didnt tell me, so i had no clue. No one ever emailed me or called me to let me know the payments were due and late. As soon as i figured out about the payments i brought them all up to date and paid the balance. Navient never emailed me, called me or sent any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Attempt to send my $ to XXXX - denied. 

I call and the representative tells me about the risks of Cryptocurrencies. ( Which I find funny because this is my money ). 

2nd representative is straightforward and tells me that Capital One has decided to no longer support sending money ( even though it is my money ) to XXXX ( a legal company ). 

XXXX XXXX XXXX XXXX XXXX XXXX I file a complaint with CPFB at the end of XX/XX/XXXX. 

I received a letter ( XX/XX/2018 ) from Capital One stating ( attachment ) that they will give me an access code that may not work with all companies. [ To me this was just another gimmick to delay me as they already stated they wont honor my request to send my money to a legitimate business ]. 

XX/XX/2018 I logged on to my XXXX account and input their access codes and was denied. I have used various bank accounts and have NEVER had this problem. 

Again, to reiterate. This is not a credit card purchase. This is money in my bank that they REFUSE to allow me to transfer. They will not work with me that is why I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perfection Collection
State: IN

Complaint narrative:
This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.

PRODUCE MY ORIGINAL CONTRACT!!!

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX   never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.

We are taking legal action unless Perfection Collection removes all collection notices from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: MN

Complaint narrative:
I had my card number stolen. Upon speaking to a representative that contacted me they informed me that they would just send a new card and that nothing was ever charged. As a result, there was a charge. Now they are requiring a police report, which was not what I was told. This is a simple lie to a customer and I have it recorded. I am leaving for an extended vacation and they said that this has to be done in two weeks. I understand that the rep was " not trained correctly '' but that is still lying to a customer. 

The representative stated that the charges were all stopped. 

All my cellphone calls are recorded in compliance with Minnesota State Statute.

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 2018-02-06 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: MI

Complaint narrative:
I've been in daily contact with Navient, XXXX XXXX, and XXXX XXXX since this past Thursday, trying to find my students loans. I've submitted a request for a hearing with XXXX XXXX with no response yet. I enrolled in a rehab program with XXXX XXXX and made my first payment to them 5days early only to be pulled from the program and told my loan was " recalled '' back to Navient. Navient says they do not service my loans. I'm in a never ending vicious circle and don't know what to do or who to attempt to repay. Until 2 years ago I was a single mother of XXXX with a job that was not paying well. I was able to eventually find a better job ( not even in my field of study ) with no help from my now useless XXXX XXXX degree. My wages are in garnishment and I currently receive XXXX dollar paychecks although I gross about 1000 biweekly. Between 200 and 300 are garnished for educational loans, I pay XXXX towards health insurance the government says I have to have, as well as XXXX for auto insurance the law says I have to have. I'm left broke by my choice of XXXX XXXX and clueless as to where to find my loans that I'm told are over {$28000.00}. I now spend my time calling loan servicers which send me in circles and are not forthcoming of the amount of debt they tell me I owe nor do so receive any statements of how the amount of debt came to be. The worst decision of my life was attending XXXX XXXX, it has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Equitable Acceptance Corp
State: AL

Complaint narrative:
My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I got a home loan through Bank of America. During this process I was informed I would receive free checking and a free security deposit box. I specifically asked when signing up for this feature, How long do I have this feature? and was told, " Through the life of the loan. '' ( per branch manager at the time in the XXXX office ) As of today I still have a home loan through Bank of America however last year I received a letter stating they will no longer offer this feature & they will from there on out start billing me for this service ( which was never disclosed to me they would be doing this ) In XX/XX/XXXX I was notified by Bank of America about refinancing through them to get a better rate, I spent quite some time going over everything with them & was assured multiple times the terms would stay the same & nothing would be changing but the rate. This was conveyed to me by XXXX XXXX and XXXX XXXX who were employed by Bank of America and representing me at the time of the refinance. I have spent countless of hours on the phone with Bank of America trying to get this issue resolved only for them to give me story after story of why they are taking this away. I also spoke to I believe a XXXX from the XXXX Bank of America branch. When I asked why they were out of the blue taking this service away she told me the reason was because they were passing them out like candy and couldnt keep doing this. This is very misleading and dishonest and should have been disclosed at the time of my loan process. Had I known they would take away a feature they had offered and assured me I would have through the life of the loan never would I have signed loan docs with Bank of America. I am a person of my word and feel I was lied to and taken advantage of just to get my money. Reputable companies I know would honor a service they had promised to me to begin with. Im coming to you in hopes you could help resolve this matter in a fair and professional way.

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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Paid my bill in full before the due date, got charged a finance charge of XXXX, called Capital One 6+ times got a different excuse for being charged, asked to speak to a manager was denied to speak to a mgr, told they dont have phones, they only do admin work, they dont take calls and so on,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is a complaint from my wife and I against National Credit Systems for their failure to provide requested information for alleged debt. National Credit Systems ( NCS ) has been reporting two open accounts against me ( {$3100.00} acct # XXXX & {$500.00} acct # XXXX ) and one for my wife ( {$3100.00} acct # XXXX ) that we do not recognize. NCS sent written notification of debt recovery based on initial 30 day validation on XX/XX/XXXX. On XX/XX/XXXX I responded ( based on legal advise ) with a written request for documentation, including the following : 1. debt amount clarification ( including fees and interest added ) ; 2. Name of creditor owed and notice of assignment or receipt of sale to 3rd party collection ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect this debt in Texas ; 5. Proof of last payment made on the account and any other documentation which tend to show validity. 6. If they do not own the debt I demand they send the request to the original creditor so they are aware. On XX/XX/XXXX I was contacted at my place of employment by NCS 's rep. and I informed them that no calls are acceptable please respond to me in writing. NCS called me at home and I asked for all calls to stop but NCS reps. continued to call my place of employment 2 other times in XX/XX/XXXX following my validation request. I again expressed that they should contact me in writing. On XX/XX/XXXX I reviewed my Credit report and noticed NCS had reported inaccurate information on both of our credit reports before validation. I received mail on XX/XX/XXXX from a old address, of NCS partial response to my XX/XX/XXXX validation request. NCS responded providing partial documents from original creditor and no verification that they own the debt or that it was transferred to them. No verification of break down of debt amount balance or accounting of payments. No proof of NCS license to collect debts in Texas. NCS 's failure to respond to a consumer 's good faith request for documentation makes it impossible for me to make an informed decision regarding alleged debt. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. Also, to have already reported alleged debt to any credit reporting agency or credit bureau, prior to validating the debt violates Fair Credit Reporting Act ( as stated in my XX/XX/XXXX validation request.

Company response to consumer: Closed with explanation