vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED
State: MD

Complaint narrative:
Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 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: Midwest Recovery Systems
State: TX

Complaint narrative:
XXXX INACCURATE INFORMATION MUST REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a disturbing email XX/XX/2017 claiming to be from Capital One that my account was going to be closed due to inactivity. I promptly called the number on my credit card to take steps to keep the account open, as this is my first and oldest credit account. The representative claimed that the account was already closed. Today, XX/X/2017, I received a new card from Capital One. After activating the card, I reviewed my account online to confirm it was activated with available credit. However, when trying to use my card it was declined. 

I called Capital One again for an explanation as to why the new card was not working, and received the response that the account was scheduled to close, and the restriction would not be removed under any circumstances. 

The most troubling part of this experience is that Capital One did not provide any advance notice before taking this action. As a consumer, I was completely blindsided and disappointed that Capital One had not bothered to provide any prior notice. Had Capital One reached out to me or tried to work with me I would have easily taken the necessary steps to keep the account active. 

As this is my first and oldest credit account, Capital One is adversely affecting my " length of credit history '' as it relates to my credit score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I divorced in XXXX, and as part of the final divorce decree and property separation agreement, 1 of our homes ( XXXX ) became my ex-husband 's full responsibility. I remained responsible for our XXXX property. My ex-husband failed to maintain the mortgage on the XXXX property and I have been working with the mortgage company, Capital One, for years attempting to resolve this matter. My ex-husband 's failure to maintain the mortgage has affected my credit and has the potential to affect my security clearance. Because of the negative impact on my credit, I could not refinance the XXXX home and lost that home to another financial institution. I was completely overwhelmed with trying to work through issues with the divorce, the IRS due to my ex-husband 's failure to pay taxes ( which I have since resolved ) ; and the two mortgages ( XXXX & XXXX ). 

As it relates to XXXX and Capital One, I first tried to short-sale the property and received an offer on the property. Capital One failed to respond to the offer. I then requested a deed in lieu ( DIL ), when it became apparent that my ex-husband was not going to maintain the mortgage or work with the bank toward another resolution. By letter dated, XX/XX/XXXX, Capital One approved the DIL, but asked me to pay {$3000.00}. Capital One, however, subsequently closed the file on or about XX/XX/XXXX, because title was not clear, without giving me or my ex-husband the opportunity to clear title. I had been in contact with Capital One at least 4 times between XX/XX/XXXX and XX/XX/XXXX, and they failed to inform me that the title was not clear. I subsequently retained an attorney and cleared the title and requested that Capital One reopen the file. They did. Capital One then asked that we obtain home insurance on the property. Unbeknownst to me, my ex-husband allowed the mortgage insurance to lapse on the property. Nonetheless, we obtained the home insurance, as requested. 

I learned on Monday, XX/XX/XXXX, that Capital One is offering a loan modification, and not a DIL. Even though by court decree I am not responsible for this property, I have been trying to work with Capital One in good faith for years to resolve this matter. My divorce was hard enough and Capital One continues to make me re-live the stress of this situation. I have made no less than 40 calls to Capital One over the course of the last year, but Capital One continues to keep moving the mark and are not working with me in good faith to resolve this matter. I have retained 1 attorney to help with the title issues and paid another attorney for overall guidance on this issue. I am contacting CFPB, because my efforts have proven fruitless and Capital One is refusing to operate in good faith. Accordingly, I would appreciate assistance with bringing this issue to immediate closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. 
I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.

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 2017-11-02 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I have a credit inquire from XX/XX/2017 by CBNA - bank credit cards, I am not applying for any credit from anyone or any company, this is in error.

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 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them. 

I was not told why the hold is in place? 
I choose to send money by check to the sender. 
In the meanwhile - i got an email after few days that my popmoney will happen - what??? 

This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
This debt buyer as it says on my credit report has not sent me any validation upon request. I do not have any contract with this company. They completely violated my consumer right by not only not sending any notification but refusing to validate after only finding out them from XXXX and XXXX. They again have 7 days to send me full validation including contract with my signature agreeing to do business with this company. If they fail I will turn over complaint to my state attorney general for further investigation or they must delete themselves emediatly from my credit reports within 48 hours. You claimed to have purchased this debt so if anything is owed its the few pennies you spent to buy it. Do not respond oh we need more information, blah blah blah. You obviously have enough to report it, you have enough to validate not just verify. Computer printouts are not except able validation according to the consumer rights agency. Feel free to send me proof that you sent something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from Central Credit Services, LLC stating that I owe XXXX XXXX  {$120.00}. I called XXXX XXXX and was told that I had forgotten to return a power cord for the XXXX XXXX XXXX. I was told by the representative to return the equipment and they would credit the account. I returned the power cord through XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX ( employee ID # XXXX ) at XXXX XXXX. After an hour and a half on the phone with him trying to figure out where the ball was dropped, XXXX spoke to his managers and found the returned equipment via the XXXX tracking number that I was given. XXXX spoke with the financial representatives at XXXX XXXX who said they would contact XXXX XXXX XXXX, XXXX " at their convenience '' to let them know the debt was settled. I sent a dispute letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX via certified mail and received a receipt that it was delivered and signed for on XX/XX/XXXX. I received phone calls/messages on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, XXXX about this debt after I had sent the dispute letter. I called and left a message for XXXX XXXX XXXX, XXXX on XX/XX/XXXX that they were not allowed to contact me about this debt, and they need to contact XXXX XXXX. I received correspondence from XXXX XXXX XXXX, XXXX with a statement date of XX/XX/XXXX stating I still owe the {$120.00} even though the last few pages XXXX XXXX XXXX, XXXX sent me from XXXX XXXX clearly state that my balance is {$0.00} as of XX/XX/XXXX.  The balance was a " non payment partial write off '' on the bill for returned equipment. Now I 'm not sure if XXXX XXXX has even contacted XXXX XXXX XXXX, XXXX about the resolution of this debt. They can be quite a difficult company to work with. Also in the paperwork from XXXX XXXX XXXX, XXXX on XX/XX/XXXX was a bill dated XX/XX/XXXX from XXXX XXXX for {$120.00} with a due date of XX/XX/XXXX. The initial correspondence from XXXX XXXX XXXX, XXXX was dated XX/XX/XXXX which was before the XX/XX/XXXX due date. I had called XXXX XXXX in XX/XX/XXXX and given them our new home address. All of the bills were being sent to our old address even after I notified the company of the address change. This complaint is first with XXXX XXXX and second with XXXX XXXX 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 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number. 

Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Lawsuit Alleges XXXX XXXX and Navient Unlawfully Charging Late Fees. I sent my claim form back in XXXX 2017 and I never received settlement money and had all my bills sent to them with no reply back and I sent in my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.

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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I 've been trying to get a line on credit started to get my score up and soon buy a home. I do work ful time and gave a part time business, just want to build my credit up!

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