vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA

Complaint narrative:
The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX 
XXXX I made a payment in the amount of XXXX from my checking account. On XXXX the payment was posted and processed, with the funds taken from my checking account. On XXXX I reviewed my account balance online and discovered that Capitol One reversed the payment and charged me additional interest and charges.My checking account was charged, and I was not allowed access to the funds for credit purchases. As a result, I am now showing my account is past due in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at 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 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was shocked once I viewed my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XXXX and XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was alarmed when I obtained my XXXX XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have 2 accounts with Citizens. I am on XXXX ( not my choice ). My income is very limited. Both accounts are closely watched. There are still a few entities that access my account. I have tried endlessly to stop this, however the bank nor the entities do not help. I have been charged 2 XXXX $ insufficient funds fee. When I noticed one of my accounts fell behind by {$2.00}, I immediately transferred monies to correct the unexpected withdrawal that same day. However, Citizens applied a  XXXX $ fee to my account, sending it back into Insufficient status.I have tried mechanically to remove these, to no avail. I had a small XXXX deposit, but that was sucked up immediately. Ca n't do this any more. Can you Help. These withdrawals were not initiated by me, nor expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was astonished once I looked at my XXXX XXXX XXXX XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2011 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have prev talked to reps at equifax and sent letter disputing inquiries and they remain reporting them on my credit file they removed the accts due to the fact that they were not mine and the company like XXXX verified that but they left the inquiries attached to them the only inquiry i should have is XXXX from XXXX XXXX XXXX XXXX that XXXX is valid ... ... but the one from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBCS, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX Approached by a debt collector in Nebraska about a bill, requested validation none sent. Reached out to XXXX XXXX XXXX to settle any old debts in good faith, paid all and was assured I had no more obligations to them. 


XX/XX/XXXX XXXX XXXX XXXX sent an account I do not owe to a debt collector who is now trying to force me to pay the debt. I have asked for validation from the debt collector which has not transpired according the Fair Credit Act. Amount is approximately {$1300.00} for a supposed bill from over 3 years ago Attached copies of accounts I settled, and validation letters I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On Friday XX/XX/XXXX I called Wells Fargo from a phone number ( work ) in my profile to request a credit line increase. After validating my current / open account with the representative I was sent to underwriting ; were I revalidated my identity, so a credit report could be reviewed. Then I was transferred to the Fraud department and requested to further detail my identity. At this point I was unsure about answering the question " what year was my house was built '' the agent stated I could call back in and redo the application process ; consequently, having a second credit report pulled. So I ended up guessing on the question, and was wrong, so they locked my account. I was advised I would need to take two pieces of ID into a Wells Fargo branch to validate my identity ; however, there are no Wells branches in Michigan. I was then advised to go to any bank. 
On MondayXX/XX/XXXX I went to my primary checking account institution and explained the ridiculous request to Member Services. I have banked with this institution for more than 20 years and not to my surprise they declined calling the Wells Fargo Fraud department and validating my Credit Card / ID info. I mean why would they, it is not their account. Frustrated I called Wells and filed a customer service complaint as I was investing more time than necessary. I even requested closing the account and was denied until the fraud lock was removed. 
Think about this - I validated my identity with Wells twice for an existing account, which was already established and cleared by the Fraud alert at the time of opening, more than five years ago. So they think some human broke into my office, sat down at my work desk and called My credit card to request a credit line increase. There verify identity with caller ID. 
After Filing the complaint I waited 24 hours without response. So again yesterday I tried 2 more Financial Institutions. XXXX and XXXX and was also both turned away stating this was not something they were comfortable doing. One Banker stated how do we now you did not steal the wallet. 
Even more frustrated I called Wells again on XX/XX/XXXX and requested to speak with a supervisor, I explained to him that I have tried to clear with three banks, tried to close my account, filed a customer complaint and requested an alternate option since they have no local branches in my state.

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 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: MD

Complaint narrative:
please see attached dispute letter. i never had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. 
The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. 
I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA is a third-party debt collector for student loans that has been excessively calling me on my cell phone multiple times a day ( a regular  schedule would be at XXXX, XXXX, XXXX, XXXX, XXXX, in a single day ). After I asked them over the phone to stop calling me on my cell phone, they began to call me on my direct line at work ( starting at the beginning of XX/XX/XXXX ). I informed them that I was not allowed to receive personal phone calls at work and asked them not to contact me on the number any longer. They continued to call me at that number, despite being told that I was not allowed to answer personal calls. They also began calling my companies general telephone line looking for me and stating that they were calling to resolve " outstanding financial debt matters. '' They were again told by our receptionists that employees are not allowed to take personal calls at work ( they were told this in XX/XX/XXXX ). It is now the end of XX/XX/XXXX and they continue call both my direct line and my company 's general line on a daily basis, multiple times a day. EOS 's  failure to follow federal debt collection practices is now jeopardizing my employment and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.

Company response to consumer: Closed with explanation