vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
The debt had been fully paid to Central credit services

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: IMC Capital, LLC
State: IL

Complaint narrative:
XXXX mailed unsolicited pre approved credit card for {$150000.00} available credit XXXX and to call XXXX to activate to me received XX/XX/2016 ... .credit card enclosed in envelope for account XXXX ... no such account exists or ever existed. XXXX has a history with XXXX ... request action against XXXX. 

XXXX, IL XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Student loans keep adding interest and forcing every year for forbearance every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was leasing a car, and it was paid it off within 2 weeks.But its still show open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.

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 2017-04-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Bank rollover my Cd without sending me a letter in writing that they were doing that the new CD would .10 percent which will amount to using my money for nothing. when they say to take it out I have to pay him 3 % which would amount to over {$6000.00} currently was the new rule that they in acted without telling me also. The {$6000.00} would be {$3500.00} Over the money earned on the CD in the first place is this right I do n't think so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Recovery Solutions, Inc.
State: CT

Complaint narrative:
First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Recovery Solutions, Inc.
State: MD

Complaint narrative:
Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mountain West Legal Solutions, PLLC
State: UT

Complaint narrative:
I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. Inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Colorado Capital Investments, Inc.
State: NY

Complaint narrative:
I received a letter from Colorado Capital Investment about a debt I suppose to owe from XX/XX/XXXX. A letter ( Restraining Notice & Information Subpoena ) was send to my bank requesting information about my account without my knowledge never received a letter before today ( XX/XX/XXXX ) about this debt. I do not have any knowledge of owing this debt and also there is no information on the letter as far as contact or who the debt is originally owe to.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: NC

Complaint narrative:
I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap

Company response to consumer: Untimely response
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: KS

Complaint narrative:
I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.

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 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has retaliated against me for past complaints to the CFPB and other oversight entities, by continuing to engage in their pattern of abuse ; fraud and unfair banking practices. Recently, I was charged XXXX ( XXXX ) {$35.00} overdraft fees unjustly and on the XXXX XXXX, they placed a CASH IN BRANCH DEPOSIT ON HOLD UNTIL XXXX XXXX, claiming that I have had excessive NSF on the related account yet, it was their proven PATTERN OF FRAUD that accounted for any alleged NSF 's. As it stands now, WELLS FARGO IS HOLDING A CASH IN PERSON DEPOSIT UNTIL XXXX XXXX for no legitimate reason and INTENTIONALLY MAKING SAID ACCOUNT REMAIN IN A NEGATIVE BALANCE SO THAT THEY CAN FRAUDULENTLY COLLECT MORE NSF FEES. Wells Fargo contuinues to act corruptly in violation of State and Federal banking laws.

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 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Recovery Solutions
State: TX

Complaint narrative:
There are multiple reasons in the list above that apply to this complaint. Frequent calls and calls outside of XXXX-XXXX and they were foul, threatening and abusive to me on the phone. They repeatedly hung up on me when I tried to tell them that I had moved and needed to update my address as I had NOT received notification from them he said I was lying that too much had been sent - he also said that I was a " piece of work '' and on another call said " way to be a good example for XXXX '' ( my little girls name ) how do they have my little girls name? I do n't deny I owe the debt - I am in bankruptcy - he accused me of falsifying that information as well. He said he was n't notified of my bankruptcy - how can that can be true but my not receiving notices because I moved can not? This is the MOST horrible experience I have ever come had in any business manner. I spoke to both XXXX XXXX and a man named XXXX within the same office and they were both MISERABLY rude people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''

Company response to consumer: Closed with non-monetary relief