vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was in the emergency room ( hospital in 2016 in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) I had XXXX XXXX XXXX. I missed payments these 3 months. Once I had a chance and out of the hospital I caught up on all the payments. Now I have 12 missed payments on my credit report, I think this is hardship and they should be removed. I was in the hospital XXXX XXXX. PLEASE HELP AND REMOVE THE MISSED PAYMENTS FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone tried fraudulently adding themselves as a user on my Victoria Secrets credit card back in XXXX. XXXX caught it and put a hold on the account and sent me a snail mail letter about it asking for verification. I never got the letter and therefore they just CLOSED my account. I never got a phone call or e-mail either which they do have on file for me. I don't knw why they would CLOSE by account and not freeze it or something. Or TRY AGAIN to contact me. When I called XXXX asking what happened and explained it I asked well I didn't get the letter you know I have e-mail and a phone number listed her response was " oh well ... '' and I said now you affected my credit and she said " yeah well '' and so I hung up on her after she said I could REAPPLY for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
I am writing for the second time regarding this account. Last year, I stated that I never received cash advances totaling over {$12000.00}, when my cash advance limit was {$3200.00}. They sent me several years copies of past statements for me to go over to defend my complaint. However, when creating a month-by-month spread sheet deducting payments, adding interest, etc., I found that there were several months missing. So I could go no further. They sent me a note indicating that I applied for a balance transfer and that is why the entire balance was applied to a cash advance. Why would I apply for a balance transfer for an APR rate that is over 29 %. Furthermore, my original credit card was with XXXX XXXX XXXX. It was sold to XXXX, and then to Capital One. I had nothing to do with this account going from one bank to another. 
I want them to go back and recalculate my balances from day one, apply the correct rate to purchases and deduct the high cash advance rate, and credit my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 

2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 

3. Never got notice of deficiency post sale. 

4. Amount being reported it's unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Removing security freeze. Both online and phone systems for Experian malfunctioning. 

Also failed to process {$5.00} payment submitted during course of failed online processing which referred to nonfunctioning phone # 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 non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Health Investment Company, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Has a medical bill of mine from XXXX XXXX XXXX XXXX . I owe this debt and Im making payments. The problem I have is they have added my spouse XXXX XXXX  to this medical bill advising they are reserving their state rights to add spouses to medical bills. This is unfair as my husband has not had medical services with XXXX XXXX XXXX XXXX and is not legally responsible for this debt. I am the medical guarantor of this bill and its my personal medical insurance that has taken care of portions of this bill. Ive asked that he be removed and they advise they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: PA

Complaint narrative:
They keep calling on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in 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 2018-03-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX   with the Consumer Financial Protection Bureau ( Case Number : XXXX ). In the complaint, I expressed, in my opinion, XXXX XXXX XXXX violated Texas Finance Code 392.202. 
Shortly after the complaint was filed, I received a response from XXXX XXXX XXXX, via the CFPB, on XX/XX/XXXX. In the response, a representative acting on behalf of XXXX XXXX XXXX, states the following : In light of the forgoing, and in accordance with the consumers request, we have requested deletion of our tradeline from the consumers credit report. XXXX XXXX XXXX made good on that promise, as the negative reporting was removed from my credit report. 
Unfortunately, after reviewing my credit report in XX/XX/XXXX, XXXX XXXX XXXX, and or, Resurgent Capital Services, is once again, reporting negatively to the credit reporting agencies. In my opinion, XXXX XXXX XXXX, and or, Resurgent Capital Services, is playing Fast and Loose, with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had security monitoring at my home. We sold our home in XX/XX/XXXX. The company continued billing me, even after several calls to stop. I had to end up faxing them a copy of the sale papers. In XX/XX/XXXX, I reached out again by letter and asked them to remove from credit reports because I was never late, I gave them my email address and phone number to contact me and I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Hello, I am paralegal in the Consumer Law Program at XXXX XXXX for XXXX XXXX. 

I have been trying to reach Mr. Cooper XXXX formerly Nationstar Mortgage ) on behalf of a client. 

Relying on the contact information at https : //www.mrcooper.com/contact_us, I called the customer service contact number, XXXX, to discuss our client 's account on XX/XX/XXXX. 

The recorded information is in XXXX. There is no option to select another language. 

After punching # or XXXX several times, I was eventually transferred to a representative who, although greeting me in XXXX, also spoke XXXX. I explained to her what had happened and she told me that she would inform the appropriate Mr. Cooper staff. 

I tried again calling last week and today, and there is still no information offered in XXXX, so I am unable to assist our client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX bank. Keeps lying about this issues credit one bank claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information but is still reporting this inaccurate information on my credit. They concluded in less than 2 days that the alleged accounts belong to me, without actually validating this information, which is negatively affecting my credit score. I am asking for this information to be removed/deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.

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 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.

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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick Scanlon P.A.
State: DE

Complaint narrative:
I have had judgement against me thru attorney Patrick Scanlon. I have made several attempts to contact his office for assistance. I had completed their financial/income papers and had asking to be able to make a payment arrangement each month and no response was ever received. Recently I have made several attempts to contact his office thru their online portal email site. I received a settlement offer later datedXX/XX/XXXX stating they would accept {$1200.00} to show the judgement as paid in full. The letter states that I have until XX/XX/XXXX to pay in full and accept their offer. I emailed their office on XX/XX/XXXX to let them know that I was borrowing funds and would be accepting their settlement. Several days later I received notification that they have now attached my wages for the full amount. Why would I be sent a settlement letter if they were garnishing my wages? Their letter advises me that it may be worth my while to borrow the funds, which I have now done and then had my income seriously diminished. Why would they have ever sent me a letter recommending me to take a loan while knowing that they were already having my wages garnished. I have been trying to work them to make arrangements, and receive no responses to my emails. I specifically sent them an email to let them know that I was planning on accepting their settlement and when they could expect to receive the funds. Now I am stuck with a loan that I wouldn't have needed to take out, with a very high interest rate, and an inquiry when they knew all along they were going to garnish my wages. This does not feel right. I am aware that I owe the funds which Is why I have been trying to reach out to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for fraudulent charges.

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 2018-03-26 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: NJ

Complaint narrative:
I sent Navient a Affidavit of XXXX to validate the account and to disclose information in regards to the loan. They were asked to present to me the original wet inked contract ( promissory note ) and to answer is any legal consideration was handed to me upon signing of said contract. Also I asked to recieve the names of any other assigns that were located on the allonges attached to the contract. Along with the journal entries in regards to the contract as well as any accounts created using the Indorsement. Navient dishonored me by not providing these lawfully requested documents. They defaulted but continue to harrass me. 
I have sent a letter to cease harrassment and to not send negatve information to my credit bureaus stating Public Laws 95-109 and 99 -361 known collectively as the Fair Debt Collections Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.

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