vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Attempts to collect a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
First it was a guy ( XXXX ) that called before XXXX, leaving message on home phone that " The state had hired him to serve process '' then ladies started calling me at work repeating that the state had hired her to serve process. One conversatin I asked that she not call me at work and who she was with. She did not respond but said XXXX  had hired her. I told her to go ahead and do what she had beenh hired to do. Hung up and she immediately called my cell ( at work ) These people call non-stop all day with the same messgael I looked them up by the phone number ; different names sames message. 
This week I got a piece of mail. In internet research it appears mostly they are scamming people using scare tactics even if the person is not the correct individual. I got home yesterday to a total of 21 call from the number leaving no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I was never contacted by Central States Recovery. However, they later listed four debts in XXXX on my credit bureau. These debts are listed as medical debts from XXXX, XXXX, and XXXX. These debts are clearly outside of the statute of limitations. Further, the reporting of the debts constitutes both communication and their intent is to attempt to have me pay the debts which could be classified as a demand on a debt that is outside of the statute of limitations. An action that is clearly in violation of the FDCPA as well as the Fair Credit Reporting Act, state law, and case precedence. 

I am consulting with an attorney for possible legal recourse against Central States Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Credit Card failed to disclose that the New Balance figure on the statement was not the correct pay-off figure when the O % Intro APR offer was ending. They failed to disclose that the printed statement due by date was not applicable to the 0 % offer due date of the statement period. They failed to disclose in any email, phone call or even list on the statement the end date of the Intro Offer so the consumer could pay in full the balance before the actual due date and avoid an interest charge on the next statement even when it led to a XXXX balance in the account in the period. 

I had paid off the entire new balance of XXXX before the due date of XX/XX/, 2019 on the statement. They then proceeded to charge me interest of XXXX on the next statement. 

When I called and spoke to XXXX she refused to credit me back this interest even though there were no other changes on the account and my credit rating was over 800 as well. 

I have other credit cards with special offers and they always list the date that special offer will end so that the consumer my pay off the balance before the offer ends. 

This is deceptive practice on part of Capital One, they could do what other credit companies due and disclose the actual date lined out on the statement, not show 0 % in the statement when it really is not 0 % interest to pay by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Walmart provides promotional programs with interest free as long as the amount is paid off in 6/12 months. I have 4 different promotional balances, two of which come due in 8 days. Balance on the older promotions are {$6.00} and {$10.00} on the other. My last payment did not pay these off totally so I added another {$50.00} payment. They would not allocate any of this {$50.00} to either older promotional purchases but only to the newest promotional purchase. I will have to pay all the promotional purchases off to pay off the oldest promotional purchases in order to keep the interest on those from being assessed to my account.

This is predatory servicing and lending. This is the only bank card that offers interest free promotions that will not allow you to allocate to each promotional balance specifically.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
they called at XXXX and left a voicemail stating that I refuse to take care of this issue and it has been escalated to my desk in which you or your attorney need to contact me by today or adverse actions will take place. 

when I called back they refused to give me any information other than demanding my full name, SSN and address instead of looking up by phone number to tell me what it was about. They are very rude. 

Im not ignoring, we hit hard times with XXXX kids. Im just now in a position to try to take care of it and I plan on doing so. 

they are very rude, very threatening.

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 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing who is the servicing lender of my mortgage loan # XXXX has continually delayed posting payments to my account until after the XXXX of the month and have so far charged me two late fees when in fact the payment has arrived on time prior to or on the XXXX of the month. I use my Bank 's bill payer service to send payments and they have a guaranteed delivery date of on or prior to the XXXX of the month. Fay Servicing delays posting these payments and does not post based on the day they receive the mail and waits several days to post. Most recent payment was sent out by my bank on XX/XX/2019 for guaranteed delivery by XX/XX/2019 and Fay Servicing did not post the payment to my account until XX/XX/19. They charged me a late fee of {$97.00} and I feel it is unjust. Fay Servicing has said they will not refund the late fee and that is not acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I requested a credit increase with my credit card company and that request was initially accepted. A few months later, I requested an additional increase and it was denied solely because they limit increases to once every 6 months. My credit is impeccable - 30 years without a late payment. The reasoning for giving credit and credit increases should based upon the history of the account holder, not some arbitrary window of time. I believe that Capital One has implemented this policy as a means to lower credit scores and make more money on the higher interest rates. It is clear that credit scores are based upon available credit and low balances related to that available credit, aka credit limit. I have watched my scores closely over the years and while I have consistently maintained excellent credit, I see those scores lower when more available credit is used. If I can not raise the credit limit, I run the risk of having a lower credit score even if I pay off all my credit 100 % of the time. This is truly a credit industry scam. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt. 

I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address. 

As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: AZ

Complaint narrative:
I made a final payment to Capital One to finish paying off my account. I contacted customer service in an attempt to see if it was possible ( since Ive never been late or missed a payment ) to waive the interest to be at {$0.00}. They denied my request and refused to provide assistance. After being transferred to a supervisor, she explained she cant do anything either and starts offering me other things. I asked for another # to call, HR or a manager, she declined and said thats it. Capital One needs to have somewhere where their customers can express their grievances ; not just a level 2 customer service representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/19 my work received a letter from XXXX XXXX  to garnish my wages on my federal student loans for XXXX! This is the same company who over two years ago had my loans and did a qualification program where I paid them for 12 months then I would qualify to go to a lender who would consolidate my loans and base my payment on my income! After 9 months they sold me and had no info on me including who the new lender was! Now they are trying to do the same thing! I do not want to deal with them

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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
We are all exhausted as NFCU ( navy federal credit union ) technical issues making our funds unavailable for hours or online banking and mobile banking being inaccessible. Today XX/XX/2019 from XXXX to XXXX my account shows XXXX balance even tho I had a direct deposit made to that account today. I was concerned and confused. Come to find out on NFCU XXXX page I was not the only one and this is not the first time this is happening. We need better service and we need better communication from Our bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I believe my information was stolen because of a breach from my mortgage company system, in which 2 individuals used the mortgage company had my social security, loan number, total amount of my escrow balance, and total balance of the loan.I was forced to pay XXXX using 3 debit cards to make the payment, because of a threat of foreclosure if my escrow balance was not paid within a certain date. The date was XX/XX/2018, which i made, and that my mortgage payment would be adjusted for 3 months for XXXX trial period.I reported this to the local authorities, in which they said not to respond to there phone calls. Reported this to my mortgage company and sent me paper work to fill out in which it requires a police or federal report number and or an affidavit. Since I have reported this fraud, my loan is being transferred to another mortgage company, probably to avoid bad publicity and they want to foreclose on property because of their bad security of their network. I feel I am being bullied and discriminated against..Since this happen, I have seen some comments on scams that other people have encountered with these same individuals using XXXX XXXX, XXXX XXXX and a few other Companies. These individuals must be stopped and made examples of ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CT

Complaint narrative:
I received a letter from AIC- Allied International Credit Corp. , informing me that I owe to XXXX current amount {$300.00}. I contacted XXXX  and received a confirmation email with {$00.00} balance. ( email from XXXX attached ) Please review my record /supporting document attached, and make sure the fraudulent amount will not be reflected under my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX I purchased an auto from XXXX XXXX. At the time of financing they ran a unauthorized credit search to a number of finance companies. My credit report list four ( 4 ) inquiries on the same day ( XXXX XXXX ). I have asked TransUnion to remove these unauthorized inquiries.

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, Equifax, XXXX and XXXX have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on Equifax as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all XXXX Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX and XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.

Company response to consumer: Closed with explanation