vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CO

Complaint narrative:
My wife and I have gotten into a nasty cycle of payday lenders. We currently have two loans with Blue Trust Loans, aka Hummingbird Funds , LLC, one for my wife and one for myself. 

My loan was originally for {$2000.00}. The paperwork states that the APR is 406.57 % and that by the time I have repaid the loan, I will have paid {$7100.00}. When I make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. I have only made the initial payment at this point, at the end of XXXX, for {$520.00}, with {$37.00} going to principal and {$480.00} going to interest. 

My wife 's loan was originally for {$400.00}. The paperwork states that the APR is 732.74 % and that by the time we have repaid the loan, we will have paid {$1400.00}. When we make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. We have two payments remaining. We have paid {$890.00} so far.

This is, as you might imagine, unsustainable. It has also come to my attention that these interest rates are far higher than what is legal in the State of Colorado, as well as the fact that they are not licensed to do business in the State of Colorado. 

I have put a stop payment on these payments until I can get something figured out, but I was advised to contact your office. This is very time-sensitive, as the screenshots I will send you indicate that they plan to submit the full balance of the loans to our bank at the end of the month, and those payment amounts are not covered by the stop payments we authorized with our bank. Please 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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
When I changed my XXXX XXXX XXXX XXXX satellite service to streaming ( XXXX now ), I was told I had a XXXX balance because Id stayed with the company. 

I started to receive bills for {$110.00}, and I called customer service each time ( about 4 altogether ). I was told each time that there was no balance on either my past or current accounts. 

Today I received a bill from Credence, a debt collector for {$110.00}. 

Ive spoken to many XXXX XXXX XXXX, XXXX reps who ALL told me that I did not have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo will not credit my bi-weekly payments until they received the ( 2nd ) full monthly payment amount, thereby charging me interest on money they hold in limbo during the two-week period until my next payment is made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XX/XX/XXXX ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XX/XX/XXXX - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XX/XX/XXXX WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. PAYPALS EXPLANATION IS " THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO. '' THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH. I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ( shown in XXXX statement ) ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. 
THE XXXX STATEMENT CLEARLY SHOWS THE CHARGE ON XX/XX/XXXX FOR {$500.00} FROM XXXX XXXX AND SHOWS THE  REFUND OF {$500.00} ON XX/XX/XXXX FOR THE CANCELLED ORDER. 
THE XXXX STATEMENT CLEARLY SHOWS THE {$500.00} HAS ACCRUED INTEREST OF {$52.00} FOR A TRANSACTION THAT WAS CANCELLED IN XXXX. IF THE CHARGE OF {$500.00} WAS REFUNDED AND POSTED TO MY ACCOUNT ( as shown the the XXXX statement ) THEN WHY DOES IT APPEAR IN THE XXXX STATEMENT WITH A BALANCE OF {$320.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. 

I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. 

This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX, IL - Services were used on XX/XX/XXXX when I had an XXXX. Claim was submitted through my insurance, XXXX. Claim was paid via my health spending account provider 's website, XXXX XXXX. XXXX XXXX shows that payment cleared XXXX XXXX 's bank on XX/XX/XXXX. 

I received a letter from a collection agency, Consumer Collection Management Inc.,  in XX/XX/XXXX. XXXX XXXX claimed that they never received payment for XX/XX/XXXX services. My health spending account provider, XXXX XXXX, shows payment cleared their bank on XX/XX/XXXX. Since XXXX, I've placed numerous calls to XXXX XXXX, Consumer Collection Management and XXXX XXXX trying to resolve the issue. 

On XX/XX/XXXX, I had XXXX where XXXX XXXX 's services were used again. At this point, I am still working with them to resolve the issue with the payment I made in XX/XX/XXXX. XXXX XXXX has not 'found ' the payment. In XXXX they 'found ' the payment owed from XX/XX/XXXX but applied part of it to the XX/XX/XXXX claim and part to the XX/XX/XXXX claim. 

By applying partial payment to the XX/XX/XXXX claim, this left me in collections for {$49.00}. When I called them about applying a XX/XX/XXXX payment to a XX/XX/XXXX claim, they admitted that they applied part of the XX/XX/XXXX payment to the XX/XX/XXXX service. This is quite interesting because a claim had not yet been submitted to XXXX for the XX/XX/XXXX charge. I wonder how they could possibly know how much to apply for the service when it had not gone through my insurance? 

I received an invoice for {$49.00} for XX/XX/XXXX services, but yet the charges still had not been submitted to XXXX. When I called XXXX XXXX, I was told to ignore the invoice. In the meantime, I am still waiting for them to submit a claim to XXXX  for XX/XX/XXXX services and I am still in collections for a claim that I paid within 30 days of the billing last year. 

I know this is a rambling, confusing ordeal but beware of XXXX XXXX 's accounting practices. My credit rating has gone from Excellent credit to just Good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been making payments on private student loans since XX/XX/XXXX on private student loans. The amount of payment has varied over the years. I was setup for auto payments that were taken right out of my bank account and each month for years I would get phone calls saying my loans were late. I would explain the same situation month after month ... .they are on auto pay..they are not late. Navient was not applying the payments correctly so late fees and interest were being applied. This went on for years. 

My mother is a co-signer on my privates. I applied this year ( XX/XX/XXXX ) to have her released and was denied. She is XXXX and on social security. Navient calls her because of my loans. This stresses her and I've asked them to stop. But of course she is a co-signer which is why I filled out paperwork to have her released. It was denied. 

My income has changed in XX/XX/XXXX and now I can no longer make the huge amount of monthly payments. I am starting to fall behind and the phone calls are starting. I have called ( XXXX, XXXX & XXXX ) several times to get the payments lowered. I'm told they can go any lower than the {$400.00}. I can not afford this amount. Navient said they is nothing I can do to lower my monthly payment. I have read about the lawsuits with Navient. I have had the same experiences with Navient dealing with my private student loans. I filed bankruptcy in XXXX and was told I could not discharge my private student loans. I am now reading that sometimes they can be discharged if I go before a judge. I was not told this and was not aware this was an option. 
I just need help to reduce my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a validation letter to XXXX asking for validation that I have a sign contract with them. They have yet to provide me the necessary information. I have attached the information that was sent to me. I show no contracts with XXXX XXXX or Resurgent Capital Services. I  have never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX  ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX  in XXXX Texas. 

I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. 

I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. 

To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have tried on numerous occasions to lower my monthly payment due to a decrease in my families income ( my wife and I just had a child and therefore she is not currently working ). Navient was not able to reduce my monthly payments or even put my loans on temporary forbearance. I am either forced to continue to pay this amount we can not afford or default on payments and have my credit affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RevSolve, Inc.
State: MN

Complaint narrative:
They keep calling me and have been using different numbers over the last few months and I've been reporting them to this website. 
They keep asking for someone who I don't know who they are and I have told them that and also they have the wrong contact information because I've lived at this number since the house was built. I've asked them to take me off their call list because of that reason and yet they still call me asking for that same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I received a collection letter from RPM ( Receivables Performance Management LLC ) today on XX/XX/2018, in an attempt to collect a supposed debt to XXXX for {$320.00}. 
The letter states if you do not notify their office within 30 days they will assume this is a valid debt. I called them immediately upon receipt of the letter, XX/XX/2018, and was told I can not dispute it. The woman I spoke to threatened that they can take legal action, told me I can not dispute, and proceeded to hang up on me. I do not owe XXXX any money. The XXXX account in question that I previously had for several years was in good standing and was paid off, which is how I was able to get my pin number from XXXX in order to go to a new company. Nothing was left owed to 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 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a checking account with CITI bank back to XX/XX/2018. Citi advertised that there was a {$400.00} bonus after depositing XXXX dollars in the checking account for 60 days. I fulfill the requirement and confirmed with the online chat representative that the bonus would arrive no later that XXXX. However, It has not arrived yet until now ( XXXX ). Also, I filed a claim with Citi bank on XXXX. I was told it would 3 to 7 business days to complete my request. 8 business days have passed. No follow up, no bonus, nothing. I was charged XXXX dollars for not maintaining enough money in my account according to their terms & condition. When they break the terms & condition, there is nothing I could do. Will not banking with Citi again

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
XX/XX/XXXX contacted XXXX XX/XX/XXXX XXXX XXXX in attempt to pay debt -- informed it was archived and no payment was required. 

XX/XX/XXXX receive letter from FarMar Law Group threatening legal action in regards to this account.

Company response to consumer: Closed with explanation