vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a robocall from XXXX, stating that I was going to be served. They called my parents too. I called them back, and received a woman by the name of " XXXX ''. I told her that she needed to stop harassing my elderly parents, or I would file a lawsuit against her company. She laughed and stated, " No you won't! '' I had to ask her what company she worked for. She stated " XXXX '' and asked for the last 4 digits of my social security number. I told her that I would only give that information if she told me what it was regarding. She laughed and stated, " just because Trump is president, doesn't mean you get to act that way! '' She laughed and hung up the phone. She refused to tell me what it was regarding, and had a robocall using the name " XXXX XXXX '' to call me and my parents. 

I have checked my credit report and I have no outstanding debts for anyone to take legal action against me on. They also used my maiden name, for which I have not used in almost 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had two Capital one credit cards ( GM and XXXX XXXX ) for over seven years and over this period I have requested credit line increases to each account and was denied each  time. 

The general reasons for declining, poor credit history, too many open accounts with balances, etc., I understand. However, each of my requests were, these credit cards are not eligible for credit limit increases and we are working on it. My question, after seven plus years? 
I spoke today to a Capital One representative and he says the only viable solution is to apply for another card. I suggestedthe two small limits ( $ XXXX and $ XXXX ) be combined and was told again, these two cards are not eligible for combining. 
I mentioned I did not want a hard inquiry for this seemingly internal issue but he did not offer any other alternative. 
I am asking for a practical solution to this problem instead of the seven+ years of runaround which is totally unacceptable at this advanced technology stage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I suffered a XXXX XXXX three years ago and was subsequently diagnosed with XXXX XXXX, XXXX   XXXX XXXX, and XXXX in my knees, I was unable to work and became eligible for Social Security.. Due to my various problems I have not been able to find employment. My first contact with Navient was to delay repayment through forbearance. However in paperwork from Navient I noticed that a student loan from XXXX XXXX was included in the amount owed. This was a student load PAID OFF years ago. I requested an accounting of my loans to determine what was causing this problem. I never recieved a reply only paperwork with " summaries '' of loans and not explanation. I was then directed toward income repayment and was directed to send my taxes to Navient. In the tax return was {$15000.00} in XXXX XXXX for. the support of my XXXX minor children. As such the amount was overstated. I have since been placed on forbearance several times and the amount that I owe has ballooned to {$230000.00} for a XXXX XXXX XXXX XXXX XXXX. I attempted to qualify for XXXX but can not find a doctor in the area to even begin the primary physician has refused. During this whole process it is almost impossible to find any assistance with dealing wih these issues. Navient appears to prefer only electronic communication and constantly steers people toward forbearance. 

I have several issues ; 1. I want an accounting of charges, particularly the XXXX XXXX XXXX from 40 years ago. 
2. The income driven aspect of my loan is incorrect due to the fact that I am on Social Security and some of my award is for my minor children. 

3. What does a person do when they apply for XXXX but are already on Social Security. How do they get a physician. Navient seems to suggest that all people get VA Assistance or Social Security XXXX. 

The entire Navient process is confusing and seems to be geared to limit the involvement of the student. I understand that Navient is a collection agency but the student is left with little ability to understand the complexity of Navient 's process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leading Edge Recovery Solutions, LLC
State: PA

Complaint narrative:
Collector : Leading Edge Re Collector 's phone # : XXXX This company is calling for another person 's debt. This person does not " own '' our number ( XXXX ). They have been so informed. 
Calls ' Frequency : At least twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I sent a letter to Credit Service Company requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$130.00}. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2018-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
This company is a SCAM. they took advantage of me and i didnt explain the DAILY interest rate. Ive tried to figure out a bette repayment plan but they are refusing to help in any way. They are very rude and disgusting people who constantly hang up on you and dont offer any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: WV

Complaint narrative:
I am a victim of identity theft and have made experian aware of all the fraudulent/unauthorized activity on my file. I have mailed and uploaded in writing the 2 accounts on my file that should be removed due to identity theft. I included an FTC report specifying the 2 accounts ( XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX # XXXX ) This isn't right! I have provided all required documents for experian to help with the identity theft and they have done nothing.

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 2018-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I send a request to XXXX and Experian to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.

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 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-11-14 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX  and XXXX and they still said that I was verified, but it wrong because I the open dates also the card limit

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 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank. 

cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period. 

I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX. 
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account. 
I sent a request to M & T Bank ' CEO, but no response either.

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 2018-11-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I send a request to Equifax and XXXX to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have ( TWO ) complaints. 
On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month. 
On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018. 
Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure. 
So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX   along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem. 
Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to. 
So on these two points ; please have Ditech address these for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have my social security check of {$1600.00} directly deposited into my checking account at Wells Fargo Bank on the 4th Wednesday of every month. My last deposit was on XX/XX/18. On XX/XX/18 Wells Fargo showed my balance as {$570.00}. As of XX/XX/18 they show my balance as - {$310.00}, According to Wells Fargo, I've spent a total of {$1900.00} since my last deposit. 
I live in a small apartment that rents for $ XXXX/month. I have not been able to pay this months rent because of insufficient funds. 
I have a beat-up XXXX XXXX XXXX that is paid for. 
I receive all my medications from the VA for {$5.00} co-pay each. 
I just had XXXX at the VA in XXXX, XXXX to remove a XXXX XXXX on my XXXX, that my VA physician observed at my last bi-yearly examination. 
I owe the VA {$200.00} for the consult and XXXX, that I am unable to pay. 
I am on Medicare since I am XXXX y/o. 80 % of my medical bills are covered. 
I pay XXXX XXXX XXXX $ XXXX/month that covers the cost of the hospital room charges. I have 1 cell phone with service at consumer cellular for $ XXXXmonth. 
I don't drink any alchoholic beverages. 
I don't smoke or otherwise consume any tobacco products or any legal or illegal harmful substances. 
I make all my cleaning supplies at home. 
I don't eat out at any restaurants and cook all my own meals. 
I have an Auto Insurance policy with XXXX for $ XXXXmonth. They refuse to supply me with a proof of insurance card after multiple requests. If I am in any motor accident, I have no way to prove I am insured. 
I was a XXXX  for the XXXX XXXX for XXXX XXXX XXXX   XXXX  located in XXXX, XXXX Their main XXXX  office was located in XXXX , where I was employed. The project I was hired for at XXXX was the {$750.00} XXXX XXXX XXXX headquarters in XXXX, XXXX, I have been gainfully employed since I was XXXX y/o, XXXX XXXX for XXXX  XXXX XXXX XXXX. 
I am personally insulted, to have worked all my adult life and served my country for 6 years during the XXXX conflict ( a war made unpopular by those who refused to serve and treasonous traitors like XXXX XXXXa ), and then to be robbed of my well-earned retirement benifits by an unscrupulous banking institution like Wells Fargo. 
The photocopies I made from WFs posted transactions of my checking and savings account that prove their FRAUD and feduciary malfeasance beyond any shadow of a doubt are too large a file for your system, I will gladly mail copies of these files to you if required.

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Never received any notice of this bill until it appeared on my credit. I don't have gas service to my home. Once disputed, still didn't receive validation just a letter with the balance on it. They continue to call my job and I never authorized anyone to contact me at work. They call my mobile phone as well. When I answer, it's a robocall and no one responds. When you call them, you are put on terminal hold waiting for a rep to answer. I want this removed from my credit report immediately as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX purchased a debt from XXXX XXXX that I do not owe. Midland is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. In XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when XXXX XXXX  obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits XXXX XXXX from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I submitted a complaint with the CFPB, the end of XX/XX/2018, for XXXX XXXX collecting on behalf of XXXX I sent letters to the company asking to verify the debt I owe, bearing my signature. They repeatedly sent bills back to me verifying nothing. Nothing with my signature verifying the debt. They reported to the credit Bureaus and hurt my credit score drastically over a debt they can not verify. I was sent back a letter from XXXX XXXX  on the complaint I filed, On XX/XX/XXXXthrough CFPB, that said XXXX  has recalled the account and they removed from the credit Bureaus except for one Bureau. Now XXXX  again has chosen a different collection agency and they have reported to all the credit Bureaus again. This company is Source Receivables Management, XXXX NC, I didn't receive a letter in the mail, not a phone call, anything from this company. XXXX   recalled this account because they can not verify this is my debt. The amount they say I owe is XXXX. I do not owe this debt and recalling the account and moving on to a different collection agency doesnt make the debt valid. I would like for them to stop harrassing me and remove from my credit Bureaus immediately. The next steps will be the Attorney General 's Office and or the XXXX XXXX XXXX.

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