vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 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: ID

Complaint narrative:
I recently looked at my credit reports and noticed that this CAPITAL ONE BANK XXXX XXXX reported 30 day late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30,60 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be  reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought my XXXX XXXX XXXX in XXXX XXXX for XXXX. I got my car finance through Santander Consumer USA. Ive had my car for XXXX and their still telling me I owe them XXXX for the car. They have been a Nightmare!!! The put insurance on the car that I didnt want and they said they 'll put it at the end of the loan. They 've Repossessed ny car 2 times and Ive gotton it back and they charged me excessive fees. I would like to get my titled to the car but their telling my I still owe XXXX which is more than the car cost. I didnt sign up for a XXXX XXXX XXXX XXXX I cant afford to give them any more money its been XXXX. I deserve my title to my car. 

Thanks in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with equifax. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX  removed the information after being contacted. Equifax has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! Equifax also breached my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with experian and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! Experian removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.

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 2017-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the 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 non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: SC

Complaint narrative:
Called and paid amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: NY

Complaint narrative:
My student loans are managed by Navient. My payment was due on XX/XX/XXXX. Because my account was set up on Auto Payment, I removed the Auto Payment information on XX/XX/XXXX to prevent the payment from being debited from my Checking account. I then called on XXXX to request and was approved for a forbearance. Despite all of this, Navient still took out the money from my checking account. 

I am filing a complaint that Navient made unauthorized charges to my checking account despite my actions to stop the payments. I have to have my bank do an investigation so I can get my funds returned to me, and now I do n't have enough money to pay my mortgage tomorrow ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the 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 2017-10-31 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: MD

Complaint narrative:
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with XXXX Pressler and Pressler LLP who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have called XXXX over and over again, I have never had an account with XXXX in my life. I will not pay for something that is not mines. So they sent it to Diversified consultants and I have disputed this with them also. Funny thing is they took it off every credit report but XXXX. Like I told them send me something with my signature on it to prove that it was me then we can go from there. Nobody has provided me with anything. the spelling on the bill is XXXX which is not my name. So if I went into an office then they would have my right name and the spelling correct.I am not paying someone else bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.

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 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank. 

In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance. 

On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ). 
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ). 
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ). 
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ). 

I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in 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 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from McCarthy, Burgess & Wolff ( MB & W ) stating that they are a debt collector attempting to collect a debt from XXXX. I immediately called them at XXXX and spoke to XXXX XXXX. I disputed the debt and asked for additional information. Between the dates of XX/XX/XXXX I repeatedly called MB & W at the same number requesting updates and continuing to dispute this charge. I also spoke with XXXX numerous times and was advised over the phone and in writing that I do not owe them any money. I provided all this information to MB & W verbally and via email. Repeated calls to MB & W resulted in the same answers where they confirmed that they had received my information and were waiting to hear back from XXXX. On XX/XX/XXXX, I received a letter ( .pdf attached to an email ) from MB & W subject of a debt verification notice. I called and spoke with XXXX again and she transferred me to XXXX XXXX ( who I have spoke to before during this process ). XXXX identified himself as a supervisor. He acknowledged receipt of the information I provided from XXXX and stated that " for some reason that is not enough for them to close this debt. He further went on to state that people call all the time and say they are n't responsible for debt and until XXXX provided them further information this was going to sit in collection with MB & W ''. I believe that I have sufficiently proven that this is not my debt, therefore, I am opening this complaint against MB & W.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation