vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.

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 2017-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I went to   XXXX   XXXX   for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a  one  time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4  letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since  XXXX . I told them this in  two of the four  letters and just today I was asked today if I was having a hardship. They call everyday. I did  get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX   called my home number ( when I am on the do not call list ) and promised to sell my patents on the   XXXX   XXXX  . They promised to do unrealistic things. At first I was very emotional since my daughter was murdered and they took advantage of my grief and emotional state. I reallized I was scammed so I went on line to down load the complaints against them and immediately called them back saying my daughter would turn over in her grave if I had anything to do with a scam company such as them. I cancelled everything within  24 hou rs. I also called my credit card company  Chase Credit card services, telling them not to accept anything from   XXXX   XXXX   XXXX  .I  followed it up with a lette r to Chase and included all the dozens of scam complaints that I found on line.  I was told ok everything was fine. Soon after that  Chase bega n to come after me for {$18000.00} for a scam. No work was ever preformed, no meeting was done, no movies were taken nothing what so ever was done.  Chase  Credit card services just wants my money. they said they will ruin my credit if I do not pay. I called them up but the do not listen. they are just coming after me for the scam money where no product was delivered no work was done just a scam.   XXXX   XXXX   XXXX   never contacted me. They undertsood I fired them and do not want to deal with them Why is  Chase c oming after me after i reported the scam? I need some help I  am XXXX  yea rs old and it is elder abuse. They think I will scare and pay them. I do not have retirement. I only get social security. I am still working since I need to eat. Please call em   XXXX   XXXX   a law suit will cost me more money than the entire ballance they claim I owe that is why they are doing it. they need to be ponished.  Chase out to  be a shamed of themselves to be abusing an old lady like me. My name is   XXXX   XXXX   My address is   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   e m ail  XXXX  XXXX  XXXX  thank you for your help my cell is   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.

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 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC
State: FL

Complaint narrative:
I had an auto loan ( which I later discovered was actually a lease ) through this company. The vehicle was covered with GAP insurance as required ( which I received through the company they got me approved with ) It was my first car with a payment so I had no idea that they were misleading from the very beginning. During my term, the vehicle was involved in an accident in which it was a total loss. I was told that the car would be paid off ( as it was not my fault -- and my insurance company paid their portion ) and the GAP insurance would cover the rest. As far as I knew the obligation was satisfied in full until I received a copy of my credit report showing this as a charge-off. At this point, this derogatory mark is affecting my credit situation and the issue was supposed to be resolved. I never received any paperwork stating that I had any further obligation so I just do n't understand what is the deal. I attempted to file a complaint with the BBB but they show NO RECORD of this company. I am currently looking at their website! How could this be??? Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a " qualified written request '' under Sec tion 6 of  the Real Estate Settlement Procedures Act ( RESPA ).     I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments  may have  been misapplied. The particular lates referred to are : Late Payments Being Reported : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   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 2017-06-06 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: CA

Complaint narrative:
I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On  XXXX   XXXX   2017  I had a balance of $ {$62.00}. Regions charged me  a OD FEE  of {$180.00} when nothing was ever in the negative.

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 2017-06-06 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 150 days past due as of  XXXX     2011  120 days past due as of  XXXX     2011  90 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. 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 monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
The bank charges extremely high over draft fees.   My account was  XXXX  dollar  I o verdraft It by  XXXX  dollars I Now have  7 over draft fees..  <P/>   XXXX   XXXX     XXXX   XXXX   shut down ...   I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation
State: MD

Complaint narrative:
On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.

Company response to consumer: Closed with explanation