vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
Repeated calls from Balanced Healthcare Receivables , LLC to call them at   XXXX  . They were calling for   XXXX   XXXX  . Asked them to remove my number but I still get calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account  with Capital one Business Spark.  My account #  XXXX , #  XXXX . I have been receiving funds through the account. O n   XXXX   XXXX    ,2017    I tried to access my account and I could n't log on. I called  Capital one  Bank and spoke with  XXXX  in security department @  XXXX  and he stated they decided to close my accounts and not do business with me moving forward and that the funds in the account will be held for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a loan from fifth third bank to purchase a new vehicle. I called them in  XXXX    2017   and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a  XXXX  balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of  XXXX  dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of  XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX    XXXX  , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , AZ  XXXX , regarding Fradulent information on their consumer report file, concerning  XXXX   XXXX   XXXX   ( now being investigated )  &  XXXX   XXXX   XXXX  Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since  XXXX    XXXX  ,  XXXX    XXXX     XXXX  has removed the Fradulent claim from  XXXX , and  XXXX  is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.  <P/> Thank you and please contact me at  XXXX  with any questions.  <P/>  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: KY

Complaint narrative:
They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  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 2017-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I 've been a customer w ith Capital On  e since 2008. I have perfect credit and I 've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their " expectations of personal, family, or household purposes ''. They said that they sent me a letter about it the day before, but that it would n't have made it to me yet, which they said was the only reason they were  willing to even tell me about it because I had n't actually been notified about it yet. I tried to find out what they meant that I was n't using my account for personal use, and they would n't tell me anything about it. I asked to  talk to a manager and they said it would be 24-48 hours before someone would contact me. This is poor customer service and I really feel like they have a complete disregard for their customer relationships. What if I did n't have any other way of paying for my gas? I would 've been stranded at the gas station. And why? Because Capital One decided that they did n't like the purchases I 've made?? I dont get it. At least let me know that you 're closing my account ahead of time so you do n't put me in a bad situation when I 'm counting on being able to use my credit card. It 's ridiculous. I think they just did n't feel that they were getting enough interest out of me, so they closed my account. I wo n't ever d o business with them ever again, for credit cards or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Harrassing phone calls on my personal phone late night or early mornings, after repeatedly telling them not to call me, also being spoken too in a very condescending tone like I am not a adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CA

Complaint narrative:
I have been trying to  pay Navient for the past two weeks online and they keep reversing the charges. Personally, I had problems with talking with them before about this problem and I would like to know what is the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My auto payment did not go through again for  XXXX   2017 . I reported this in  XXXX  with case number  XXXX  and it has happened again. The company assessed me a late payment of {$37.00} hours after the payment was due but it was n't paid because they did n't do the auto payment. I called and no one will remove the late charge again. T he first operator hung up on me after I was on hold for 11 minutes and then I called again spending a total of thirty minutes on the phone. They claim they were training after the last incident but clearly that did not ha ppen.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint replaces complaint #  XXXX . It is not a duplicate.   These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
I received a letter dated XX/XX/XXXX  from The Receivable Management Services Corporation indicating that   XXXX   XXXX   XXXX   had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was   XXXX  . They also indicated that I could pay by phone at   XXXX   or go to http : //www.rmsna.com/payrms : user id =  XXXX  & password =  XXXX . The letter indicated that the claim number was  XXXX  and the reference number was  XXXX . An attachment to the letter indicated that the detail number was  XXXX - and the service date was  XX/XX/XXXX . the letter is attached.
<P/>
In the summer of  XXXX , I booked a flight to   XXXX   XXXX    through  XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from   XXXX   that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to   XXXX   XXXX  . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as  XXXX  or Receivable Management Services Corporation (  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX  ; all in  XXXX  ). Twice the call came from   XXXX   XXXX   XXXX   XXXX   ; once the call came from   XXXX   XXXX   XXXX   XXXX  . The speaker on all of the calls sounded like he was   XXXX   or  XXXX . I eventually hung up on the calls.
<P/>
I did not believe that I owed  XXXX  {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is attached.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.

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 2017-06-02 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have a big problem with the holder of my mortgage lo an Nationstar.  I had been approved for a loan modification while my loan was with  XXXX   XXXX   XXXX  and had already begun making payments when the loan was sold  to Nationstar. I spoke with Nationstar and they told me they would honor the approved modification. After making a few payments to Nationstar, they told me they were not going to honor the modification and that I had to start over and go through Nationstar to get approved. They sent my payments back to me. Now I have spent over two years trying to get this straightened out with Nationstar. They are completely unorganized and their customer service is terrible. They never should have gone back on their word and refused to honor the modification. It was already signed and completed, I think their ac tions are illegal.  <P/> I bought my home in  XXXX  and refinanced into a predatory adjustable rate mortgage in  XXXX . The interest rate could go as high as 11.87 % and there was a two-year prepayment penalty on this loan. I have had steady employment working as a  XXXX  for over 30 years so even with the bad loan I was able to make the payments as agreed. In  XXXX  I discovered that my  wife (  now ex-wife ) had been stealing money from me and was not sending in the mortgage payment each month. This created a major problem and led to divorce. At that time I reached out to  XXXX   XXXX   XXXX  to resolve this issue and went through the process and was approved for a modification. I completed the paperwork and began making the paym ents. Shortly after receiving the modification the loan was transferred to Nationstar. Their agents told me that Nationstar would honor the approval ( I BELIEVE THEY ARE REQUIRED TO HONOR THE APPROVAL ) and I thought I was all set. A few months later Nationstar told me that they would NOT honor the approval and told me that I would have to go through the process AGAIN with Nationstar. Then they sent my payments back to me. I have literally spent the last two years trying to get this straightened out, and I went from an approved modification to a sale date in a few months. This is wrong. I want to file a formal complaint against Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  is reporting incorrect information showing the wrong date when the payment should be paid. The payment is due the  XXXX  of each month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cover the  XXXX / XXXX / 17  payment because I mailed the payment and was lost in  the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occasions in which it was not. I have not missed a payment because the manager tol d me to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for  XXXX /2017 and  XXXX /2017 not date due which is the  XXXX  of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XXXX  of each month and paid  XXXX  payment on  XXXX / XXXX / 17 . The payment was due on  XXXX / XXXX / 17  and 10 days before a payment is due but reported. Equifax is showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't  pay on the due date but sending to the Credit Bureau. I am paying more than what is due at times. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulation  X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
This is regardi ng Western Union : Money  for the amount of {$3900.00} withdrawn from my checking account without my authorization. There are  XXXX  transactions for the amount of {$990.00} appeared on  XXXX / XXXX / 2017 .  XXXX  of the transactions was reversed on  XXXX / XXXX / 2017 . All without my consent.     I have previously done business with this company, however, I did not authorize these transactions. Please note that I have shared my banking informatio n ( acco unt number /routing number ) and debit card information with this company in the past for money transfer purposes.     I did contact this company and they refused to refund the amount.

Company response to consumer: Closed with explanation