vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date. 

When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays. 

Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}. 

I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full. 

I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.

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 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: SC

Complaint narrative:
I received a call on XX/XX/XXXX from a company called XXXX. They say I owe {$140.00} for Services at XXXX XXXX XXXX in XXXX XXXX. XXXX The alleged service was on XX/XX/XXXX. 
They claim that I received services at XXXX, despite my denial of ever having been there. I called my Medical Provider, " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX. They informed me that the only services I had was indeed on XX/XX/XXXX, was from my Primary care Dr., at XXXX XXXX XXXX, and that bill had been paid when it was submitted. I called my XXXX  XXXX XXXX, and their billing office verified my date of service, the amount of the bill, and that indeed it had been paid. 
This is the 3rd time that this company has called or sent me bills that are fraudulent. The previous bills were for the same amounts, {$260.00}, for XXXX XXXX at places I have never been. One was in Georgia, the other was XXXX, the same as this call today. Though the names of the labs on the mailed billing, and the account numbers were different the format on the statement was the same. After calling my Provider and having them verify that these were not legitimate bills, I figured that this XXXX was trying to scam me. When I received this call from their billing Dept. this morning, I figured it was part of the same scam, possibly duplicate billing, from different XXXX. My Ins., is a Medicaid provider, and I know that XXXX is notorious for Medicaid and Medicare fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am beyond disappointed and frustrated that somewhere/somehow Sallie Mae ( now Navient ) managed to move my federal direct loans to the, " private side '' of their operation. I worked with Sallie Mae in XX/XX/XXXX/XX/XX/XXXX to set up a payment plan for my XXXX and XXXX student loans ( all Federal Direct and Stafford Loans ). As a new graduate entering the job market, I was counseled to consolidate my payment and take a " level '' repayment plan. I distinctly recall that the person I spoke with on the phone telling me that the " consolidation '' was just to allow me to make one payment. I was also locked in at 6 % for the life of the loan - and was told that Sallie Mae would not sell or transfer the loan. 
Fast forward to the present, I have been working for a qualified non-profit organization for the past 15 years, and qualify for the Federal Student Loan Forgiveness Program ; however, Navient has decided that my loans are now private. It was never made clear that any loan offered by Sallie Mae or Navient was not on behalf of the US Department of Education. I would never have " consolidated '' my loan payment had I been made aware of forfeiting the benefits that could be offered down the road from the federal government. I applied for the FSLFP about 2 years ago, and was denied because Navient is claiming the loans are ineligible. This is predatory lending. I find it appalling that while I borrowed $ XXXX - after 14 years of paying $ XXXX/month, I still owe $ XXXX. By the time I have finished payments - I will have paid $ XXXX. Navient will have made {$41000.00} plus dollars to process my monthly payments. 
Will there be any additional changes to the FSLFP that may help people like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX and Midland Fund is in violation of the FCRA. I ask that human review this case because the issue has yet to be resolved. In accordance with US Federal law all creditors when reporting a debt must report the first date of delinquency. In an effort to re-age the debt the creditor has decided to list the day they purchased the debt as the legal date of delinquency. This is a violation of the law. The law states you must report the first date the account was delinquent. The first date of delinquency was in the summer of XXXX and not XXXX of XXXX as reported by Midland. They have been asked to provide proof showing the first date of delinquency with the original creditor was in XX/XX/XXXX. They have been unable to provide that proof and written statements from the company have acknowledge that they are not reporting the first date of delinquency. If this debt is not removed by XX/XX/XXXX I will be filing a lawsuit against Midland and XXXX is the Georgia state small claims court for the state maximum. This has gone on for to long. Midland is aware they violated the law and XXXX is being a complicit partner in their crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Hello. I've been requesting validation from LVNV Funding for a debt that claim I owe. No validation information has been received. They have begun contacting me, where there had been no communication before, via calls and letters to collect the debt. I continue to dispute the matter. Today, XX/XX/2019 @  XXXX. I received a call from them, robo call, stating they would have " me arrested, freeze my bank accounts and suspend my social security # '' if the matter is not handled. I have the voicemail saved. Not only have they not furnished information to me on this account, that I do not owe, but they are threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX billed {$640.00} to our Capital One credit card without our authorization or agreement to this specific charge. We immediately contacted Capital One and made our dispute. 

On XX/XX/XXXX, Capital One sent us a letter about this dispute. We then called and again spoke to Capital One, who asked us to go ahead and still make a statement in writing even though we have spoken to Capital One for the second time about this dispute. 

On XX/XX/XXXX, we made the statement in writing and faxed it to Capital One per their instructions. 

On or about a week after sending in our letter, we called Capital One to follow up. Capital One stated that YES, THEY WILL DO TWO THINGS : ( 1 ) CREDIT BACK THE FULL AMOUNT {$640.00} TO THE CARD AND ( XXXX ) CAPITAL ONE WILL ISSUE A NEW CREDIT CARD NUMBER. 

On XX/XX/XXXX, we still did not see the two things that Capital One stated that they would do so we called to follow up. A representative of Capital One named XXXX stated that she did not know why they had not credited back the account for the amount as they had said they would, but she offered to give us a {$100.00} credit and that would be all she could do! Of course, we disagreed to this offer and promptly requested to close our account. We now file this complaint to CFPB in order to ask that the Capital One to reimburse the full amount of {$640.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was automatically enrolled in Equifax 's XXXX XXXX XXXX program b/c I was one of the persons potentially a victim of their huge security breach a couple of years ago. 

On XX/XX/19 I rec 'd a notice from Equifax alerting me to a change on my credit report. I checked my report via my XXXX XXXX XXXX acct. and found that my address had been reverted to an old address for some unknown reason. I contacted the company because I was concerned. I had changed my address when I moved in XX/XX/2019. My banks and my credit cards had all been updated with my new address and it had been reflected on my credit report.

However, when I began a new job in XX/XX/2019 there was an incident that could have made my personal ID info. vulnerable - they emailed an I-9 form with all of my identifying info. via insecure lines. 

In any event when spoke to a some Equifax repXXXX in XXXX and explained my concern he said it was nothing to worry about and to ignore the alert. 

Sure enough on XX/XX/19 I received a second alert - checked my ount and found the same issue - my old address appearing as my current address. 

I called Equifax again on XX/XX/XXXX and spoke with someone named XXXX who said he would place a dispute on my credit report in an effort to remove the old address. 

On XX/XX/XXXX I received the first of several emails saying that the dispute had been completed and offering me a confirmation number by which I could check the status of the dispute. I have tried several times to log onto the status check website offered by Equifax to no avail. When I provide my identifying information I receive an error notice saying the information does not match their records. 

I have spent the last hour on the phone trying to reach someone who can help me with this. The first person with whom I spoke transferred me to the " dispute center '' where I spoke with a rep. named " XXXX '' who asked me for my DOB, my address, info. about current credit cards and about past student loans ( which I paid off over 10 years ago ) and she was not satisfied. I then asked for a supervisor. She placed me on hold for over 10 minutes. I gave up and called back and reached XXXX. They transferred me to U.S. dispute dept. where I spoke with XXXX who said she would transfer me to a supervisor. I was placed on hold for over ten minutes and then disconnected. 

I called back again. Now speaking with XXXX - who said she was going to transfer me to a supervisor in the dispute department but after 15 minutes of hold time a customer service rep. in " products and solutions '' picked up and had to transfer me again. 

I hung up. I want this issue cleared up. This company is a joke and has wasted my time and screwed up my report. 

My free XXXX XXXX XXXX acct. has expired in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
I have the all the details you will need I just am just busy today and did not have time to gather them. I had a payday loan for {$500.00} that I received over a year ago when the hurricane hit us here in Florida and I couldn't pay my bills I started struggling and eventually took a payday loan. I cleared that loan but was always chasing my tail, XXXX XXXX XXXX XXXX in Florida constantly called me 24 hours after I repaid my load and would ask " Just seeing if you needed some money this pay period ''? So I would be broke and hop on it, they made it sound so safe and never explained any consequences to me. Well I chased that loan every 2 weeks for a year paying on time and handing thousands of dollars in fees to this company. I was a GREAT customer. Well now my father is in the hospital with failing XXXX, I am trying to take care of his home and mine and they call me up to 20 times a day, they constantly re-process the loan and I ger more NSF fee 's. Then they call and text you until your scared and approve more deposit attempts just in a hope that a few extra bucks will come my way and clear this up. I wish I would have just gotten evicted instead of this loan but the thought of runing a perfect rent history scared me and they knew it, that's why they called so much to offer help they knew what I needed the money for. I want the phone calls to stop and the fee 's, how am I supposed to get ahead and why cant they work out a payment plan with me? This should be illegal to do these loans I feels o stupid at XXXX to end up in this spot. My bank account is screwed, im struggling now more than I was before the loan. Never again will I do one and I hope companies like this need to start a MUCH stricter loan process and not allow these people to call and offer loans as soon as the mandated law that says no loans until 24 hours of repayment is done they call you and offer you money to " help you out this week '' as they put it which tells me they know that you need the money after the first loan to deal with just paying off the last loan, that part should 100 % be criminal. No one should be able to solicit a loan after a payday loan 24 hours after its been repaid, thats set up for failure, it should be 1 loan a month max. This is a nightmare, but what was I supposed to do I needed a home for me and my daughter and the hurricane was a ripple effect of chasing my tail due to loosing all that work, I was off for 2 weeks with no pay, alot of us were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
A debt collection company known as I C System collecting on behalf of XXXX sent an email with specific information regarding a debt owed to XXXX and disclosure I C System is a " Debt Collector attempted to collect a debt and any information obtained will be used for that purpose ''. 

I do not know how I C System obtained an email address associated with me, nor, have authorization to use email as a means to collect a debt. 

Furthermore, if an email is sent, it should be indicative of a personal/private message intended for the named recipient only, with details on how to obtain a personal/private message that has been masked for privacy. 

I believe this message violates the Fair Debt Collection Act since full disclosure of a collection matter was made visible to others accessing this email account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of 2 children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX 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 2019-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage payment for the year XXXX was {$1500.00} a month. This amount covered principal, interest and escrow. In XX/XX/XXXX our mortgage company Mr. Cooper ( XXXX XXXX XXXX XXXX. XXXX, TX. ) sent me a check for {$2800.00} for escrow overage and adjusted our XXXX payment to {$1300.00}. At this time Mr. Cooper new that the escrow account would be shorted in the amount of {$1900.00}. As of XX/XX/XXXX Mr. Cooper sent me a bill requesting additional payment of {$3100.00} for escrow shortage. Without this payment in full they change the monthly mortgage payment to {$1800.00}. I made a payment in XXXX of {$1700.00} to the escrow account expecting my monthly mortgage payment to be readjusted. I received my XXXX bill in the amount of {$1800.00}. I called Mr. Cooper asking why my mortgage payment wasnt readjusted and was told that because I didnt pay the {$3100.00} in full that they would not readjust the mortgage payment. Because of this manipulation I am now expected to pay a mortgage that not only exceeds my original mortgage, I am paying in excess on the escrow. 
In calculating my payments toward escrow, I to date have a balance of {$2900.00}. The target needed for escrow by the end of XXXX is {$5400.00}. With the mortgage payment at {$1800.00} minus principal and interest I am now paying {$710.00} a month toward the escrow account. Multiplying {$710.00} time 10 months comes to {$7100.00}, on top of the {$2900.00} now totals {$10000.00}. 
In addition, I also paid over $ XXXX against the principal payment in XXXX, decreasing the interest payment approximately {$110.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX. 

I have been banking with J.P. Morgan Chase and have been a victim of bank fraud, prejudice, and discrimination. I recently had an account closed for no good reason. This account, I was told when I called was put on restriction. I was then told to bring them account to a good standing within ten days and the account would not be closed. I had made a promise to the customer service representative and they had made a promise back. A verbal bilateral contract. I went into a branch with XXXX XXXX dollars and brought the account to good standing. The bank proceeded to close my account. After the account was closed they offered to open a new account for me but ran the application process and I wasn't able to open a new checking with them after they ran my application. I am considering seeking compensation through representation. Considering, banking institutions only arbitrate mostly and hold a privatized kind of justice, I wanted to inform you about this matter. It is completely inexcusable. I have done nothing wrong and they have stripped me of my debit account, prematurely and with prejudice. I want compensation for the psychological affect this has had on me. I no longer trust them and I feel as though I am under attack by a large corporation. I am merely an amateur and J.P.Morgan Chase has given me an anxiety disorder. The pain and suffering my financial and mental well being are going through while resolving this matter is of my primary concern. The damage I feel is worth a settlement of at least XXXX XXXX dollars. I was treated poorly by customer service and I was victim of predatory banking. I am distraught and suffering. 
Regards.

Company response to consumer: Closed with explanation