vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
As the principal of the loan is paid down, interest rates are not adjusted correctly. Also, prepayment is not applied to to the principal and the lender, BMO HARRIS, has made no attempt to correct the matter. The representative even told me on the phone when I tried to address that there is NO WAY for additional funds to be put toward the principal. They have been fraudulently overcharging me for months. Many of these calls have been recorded as they have asked for my permission but the account hasn't been corrected. I am lucky to understand the powerful impact of compound interest. If they are doing this to me there must be many many more who think they are proactively paying their principal loan amount down when, instead, the lender is simply applying forward.

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 2018-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I started the student loan process in XX/XX/XXXX. On or around XX/XX/XXXX I entered into a payment plan after combining my two student loans. After combining them, I entered into a payment plan with a representative that I spoke to on the phone. The representative set me up to pay {$110.00} a month toward my loan. I never really thought too much about it until my boyfriend and I sat down to pay off some bills and get our budget laid out. We noticed the amount owed wasn't moving at all. Upon looking at the bills sent to the house I was paying {$110.00} a month, but my interest was {$120.00} a month alone. How is my loan every going to get any smaller if I'm not even paying the interest? Why didn't the representative tell me when he set me up with it that the interest was going to be more?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
on XX/XX/XXXX, I did an online MoneyGram payment to a friend of mine. When my friend went to MoneyGram to receive it, it was declined. I called MoneyGram and they said the system rejected payment and could not give a reason why, just said regulations. They proceeded to ask me if i knew this person and when was the last time i saw this person. I had seen him the weekend prior. They asked why didn't i pay him then. I said you dont pay for work that needs to be done untill the work is completed. We work construction together and he is currently not working. I had asked him to look at one of  my rental properties and see what needed fixing up. He got a painter and he did some work himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On a recent review of my credit report, I discovered your company Portfolio Recovery reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. 

They must produce also produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes

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 2018-09-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX  General Clothing Stores XX/XX/XXXX Yes XXXX XXXX XXXX  Credit Card XXXX. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/18. I called Citizens Bank On Line Banking and informed the rep. XXXX that the payment posted on XX/XX/18 to My XXXX XXXX XXXX   XXXX ( XXXX XXXX ), did not receive the payment. I also informed her that I have the confirmation # and on XX/XX/18, I submitted a request for an investigation be made regarding this matter. XXXX responded that she checked and verified that the bill was successfully paid an there were no returned payment and there is nothing she can do. I asked to speak to her supervisor. A few minutes later, XXXX XXXX XXXX, her supervisor, came he basically said the same thing. I suggested that maybe he can fax some kind of paper trail to XXXX XXXX. Something to help them track the payment. He gave me his direct phone # so I can get the fax # from XXXX XXXX. Unfortunately XXXX Had no fax #. I can contact them through my XXXX XXXX  secure email. I called XXXX XXXX back shortly after, and we made arrangements that he would fax me the info the following day - the XX/XX/18, and I would then email it to XXXX. XXXX XXXX never called or fax or responded to my calls on the XXXX or the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony automatically enrolled my XXXX credit card in their optional Card Security program without my consent when the account was opened in 2015. This led to a monthly charge of 1.66 % per 100 dollars of my balance per month. In total, this led to well over 1,000 in " fees '' during the time this service was active. I was never informed of this optional feature and never consented to it.

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 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was researching credit cards online and decided that Citi Double Cash MasterCard,  was the best one for me. I found a promotion on their website that offered me {$150.00} cashback if I spent {$500.00} on the card within the first 3 months. I applied, and when I was approved there was no mention of this promotion being attached to my account. Before spending any money on the card I called in asking about the promotion. They told me it wasn't attached to my account. So I got of the phone, found the link that I had applied through, and sent if to Citi bank over chat. They told me to call in. I called in and the supervisor said I had to print off the offer and send it to them through regular mail. I did that, waited a few weeks and called back in, and they still say I can't get the promotion. This promotion is still currently live on their website. One of the disclaimers is that you can't get it if you have ever had a Citi card in the last 2 years. I've never had this or any Citi card ever in my life. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had student loans with Navient for many years. When I applied for the Public Service Loan Forgiveness program they said that the school I worked at qualified but not the current loan I was in. I have requested Income Drive Repayment Loans for years but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
I have paid for all items received, a yearly XXXX XXXX Account and XXXX is now disputing multiple purchases will not allow me access to account and is still billing me for items returned.

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 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Hawk Inc
State: SC

Complaint narrative:
Company harassed my ex girlfriend via social media about my account which is very unprofessional and a breach of trust. My ex girlfriend should not know what is going on with my personal business. New associate felt because she knew my ex girlfriend she could provide her with my information via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
About month ago, I contacted XXXX XXXX on a new account. It sent me to a company called XXXX XXXX  XXXX by mistake. I was told that I owed XXXX on a XXXX XXXX credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of Portfolio that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a bankruptcy court. The account is XXXX. The phone number of the Portfolio Recovery Associates is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another Portfolio Recovery Associate because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..*********XXXX B. XXXX / XXXX XXXX *****XXXX C. XXXX XXXX /XXXX XXXX XXXX *****XXXX  D. XXXX XXXX   ******XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
About month ago, I contacted Capital one on a new account. It sent me to a company called XXXX XXXX XXXX by mistake. I was told that I owed XXXX on a capital one credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of XXXX that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a  bankruptcy court. The account is XXXX. The phone number of the XXXX XXXX XXXX is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another XXXX XXXX XXXX because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX

Company response to consumer: Closed with non-monetary relief