vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NPS GROUP
State: KS

Complaint narrative:
Calls me from Unknown number, says it from s NPS, claims to have mailed me or emailed me items about my debt, says if I dont call them back they are sending a certified letter of intend to appear in Small claims court in my local county.  Say they will be out within the hour.   I try calling them back and when I ask for more detailed info the say they have me on camera and if I try to ask more questions instead of just handing over more money they tell me they will see me in court and hang up on me.   Their number is  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX  Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.
<P/>
I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This complaint is about TD BANK.   ON  XXXX / XXXX / 2017  was charged a maintenance fee {$25.00} even though the account balance was more than minimum. TD bank calculates balance based on pending transactions before they clear. Example : Min Balance requirement :  XXXX  Charge of  XXXX  pending deposit of  XXXX  pending While pending balance becomes  XXXX  for time being and then when posted, the ending balance becomes  XXXX  =  XXXX  They still charge maintenance fees of {$25.00} since the account went below the min req. in pending status. This type of calculation should not be allowed. They should be charging fees after the transactions are settled.   XXXX  We contact TD bank and they said this is their standard business policy. Maintenance fees should be only charged when the balance actually goes below the min req.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Different people are using my information to get health care insurance. They are being allowed to be seen by different doctors. Get prescription medication/drugs, XXXX XXXX, and other controlled drugs in my name. I 've told XXXX the address on my report is incorrect. My date of birth, all of my former employers have been changed. Someone have placed a seven year fraud alert on the fraud information. I ca n't do anything online, because they 've placed a monitoring service on my social security number. I need an address for XXXX to mail my information to. I 've changed the spelling of my name with probate court. My drivers license & social security card shows XXXX XXXX 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 2017-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hello my name is  XXXX   XXXX . This  is my story related to the loan for the house.Fuor years ago i did loan modification with  XXXX   XXXX   XXXX . Six months later loan been transfer to a Select Portfolio Cervicing Inc.From last year i have a another company  XXXX   XXXX   XXXX   XXXX .That company trying to selling my house on act ion two times.First time in last year, and second time couple of months ago.I 'm going to present a paper wor k wich is showing the new owners of the house after the action selling. This is a big crime for me and my family, because from this time we live in under a  XXXX . No one is informe officially with leather the house is going to be selling on auction. I 'm current with my mortgage payment and I do n't see the reason my house to be sell on action. I am so confused and I need to help how to get out from this situation. Thank you so much and I provide you my phone number to contact with me  XXXX   XXXX   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 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed.

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 2017-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On numerous occasions, I have contacted   XXXX    & Tr ansUnion to notify them that I am no longer liable for   XXXX    XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore,  XXXX   &  TransUnion continues to allow  XXXX   XXXX  to report information that is not 100 % accurate.  XXXX   XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from  XXXX   & T ransUnion stating that they will not re-investigate this erroneous reporting.

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 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne Credit has sold an account to a collection agency for the second time using my name and address knowing full well that this is not my account. Their last collection company filed suit after they were notified that this was not my debt. Now I have a permanent mark on my public records. Afterwards they apologized and pulled the complaint. They then sent me the phone numbers of all the credit reporting agencies and told me to handle it myself.
This is the worst kind of predatory actions, trying to force a XXXX year old senior to pay a bill not owed just to stop the harassment when they have records, letters and recorded calls acknowledging this account is not mine and never has been. They also know that my health is bad and yet went forward to start a new attack.
Capital one has caused me to spend numerous days and hours writing and talking to their agents. They offered me a settlement if I signed a legal document that would have caused me to get a lawyer and cost me more than they offered.
I believe that they want to scare people at any cost to make them pay bills without any regard to whether or not it is their debt. They go after family members through their parents and make up false documents to prove their ( changed notary papers ) illegal activities and have enough Attorneys to get away with it.
They probably will apologize and then go right ahead and sell it to another collection agency in the future, and they know that the only way to stop this practice temporarily is to make people keep spending time and effort explain the same thing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: IL

Complaint narrative:
I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Received one missed call with a voice mail from dynamic recovery solutions and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 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: NY

Complaint narrative:
I have been disputing an account that is reporting on my experian credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. XXXX and XXXX  has deleted it since but experian is still reporting it. I tried to re-dispute it online again with experian but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on experian credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and XXXX deleted it so should have experian.

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 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. <P/>The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. <P/>Please help shut these people down! XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lendmark Financial Services
State: FL

Complaint narrative:
I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.

Company response to consumer: Closed with explanation