vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX, I set up a sales post on XXXX to sale my vehicle. XX/XX/2015 XXXX XXXX. ( This was my first time ever posting anything to sale on XXXX ) At XXXX the same day, I received a text notification to my cell phone from an individual who claimed the name XXXX XXXX from Indiana, who said she was interested in my sales ad to purchase the vehicle. She texted that she could not talk over the phone due to XXXX of being XXXX. So we communicated concerning the vehicle via text. She agreed to purchase the vehicle as the said price of XXXX by way of XXXX deposit. However, at the time of purchase, she sent me multiple emails on behalf of XXXX, that for security purposes between the buyer and seller, that I had to pay XXXX upfront to cover the fees for car pick up, shipping, and delivery, which she claimed was included in what she transferred to XXXX ( total of XXXX ). The assumed claimed agent over the account was XXXX XXXX. After transferring the funds through Walmart2Walmart money transfer, no funds were officially sent to my account and she took the {$1300.00}. In addition, she asked for another {$920.00} to cover insurance costs in having the vehicle sent. The entire situation was very frustration and deceiving. I was totally thrown off by this and really want justice from this. I have saved every email received and receipts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2016 I called in to the call center to see why my minimum payment had increased. One of the agents told me I was late paying more than two times in a calendar year and the interest rate had increased. I asked him to lower it back down, and I will continue my monthly payments. He said he can not change it because it is in the agreement that I signed. So I ask to get a copy of the contract that I signed. The agent said " you have to request the copy of the contract in writing '' and gave me the following address : CapitalOne - Department General Correspondence, XXXX. I sent a written request and I did not get copy of the contract. 
I have a charge-off on my credit report and I never got what I asked for, a copy of the contract before it went into default. 
This is a violation of 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1637 - Open end consumer credit plans ( i ) ( 4 ) AND 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681n - Civil liability for willful noncompliance For your knowing of such violations to credit disclosure and fair credit rating pursuant to 15 U.S. Code 1611 - Criminal liability for willful and 15 U.S. Code 1681n - Civil liability for willful noncompliance, I demand damages of {$5000.00} pursuant to Section 1611 and Section 1681 ( a ) ( 1 ) {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have XXXX credit cards with Capital One. I do n't have cards for either account and Capital One ca n't seem to issue me any when I request them. For almost a year they have n't been able to tell me why they ca n't issue new cards. They also ca n't tell me what 's wrong with my online banking account. When I log in it shows that I owe a large balance on both cards, but both cards have XXXX balances. When I call them on the phone ( I have to call to make payments ) they say I have a XXXX balance. But when my statements come in the mail they show me owing a balance. I asked them to send me a letter confirming the XXXX balance on the cards. The letters, cards and other correspondence they promise to send never arrives. One CS rep told me my account somehow got mixed up with another customer, but no one, not even the managers, seem to know what 's going on. I wrote them and they said they were going to close the accounts. I 'm uncomfortable with them closing the accounts until this situation is sorted out as it may reflect badly on my credit report. I hope to purchase a house this summer so it 's important that I get resolution to this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Niagara Capital Recovery LLC
State: MA

Complaint narrative:
Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK
State: MD

Complaint narrative:
Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.

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 2016-07-30 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Advantage One Credit, LLC
State: MA

Complaint narrative:
I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA

Company response to consumer: Untimely response
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nationwide Arbitration Services LLC
State: CA

Complaint narrative:
Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. 

They also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. 

I did contact the original company where I took out the loan to work out a payment plan. 

I would like to know how they got all of my information ... including my Mom 's phone number.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).

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 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Investment Retrievers, Inc.
State: NV

Complaint narrative:
Investment Retrievers states that they will " recommence attempts to collect '' on a debt that has been disputed previously ; the letter states " attached is verification of debt '' but no attachment is present, i.e. they have no actual information other than my name and some bogus account number. 

Regardless of what information they may or may not have, they were previously informed that this debt is time-bared based on the date of first delinquency of the original creditor of the linked account # reported on my credit ( XX/XX/2010 ) and my state of residency ( NV, 6 year statute ) and told not to contact me further per the FDCPA. Despite the information on my credit report, I continue to assert that the debt is not mine. 

Specifically I am invoking 805. Communication in connection with debt collection - " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' ( with specific exceptions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
assessed a late payment fee on my card made payment 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 monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
i close my account XX/XX/2017 and still active i pay remaning balance and account still active promise account close after pay and reverase my overdraft and account not close still active XXXX bank not close and nowaprt huntington bank still active my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have received late fee charges from Bank of America that are not legitimate. I 'm not say all fees from the life time of my account but there has been many of times where Bank of America has changed the order of my withdrawals to have me have 2-3 late fees instead of one late fee. example my first few charges will be for XXXX and XXXX dollar charges. then a charge for XXXX will come after. Instead of paying the first 3 charges in the order they come out the bank account Bank of America will change the order of the withdrawals to make more late fees. The last three fees I had in one day. I did speak to two supervisors and the second one took off one fee and I asked to have a manager to call me and he stated he would not take off the other fees. I asked to speak to the higher manager who was suppose to call me within 24-48 hours who never called .I do have alerts on my account that do not always work which Bank of America has given me late fees back in the past.

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 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
NAVIENT is using unfair collection practices and harassing phone calls to collect a debt that has been asked to be helped with because of lack of work. They call on three phone lines sometimes 15 times a day they call from XXXX unitl after XXXX some times. The only paper response I can get out of them is a form letter that does not address my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After multiples inquires with the general number and visiting the branch I was advised by Wells Fargo that I do not need an account to qualify for a personal line of credit. The website was n't explicit either hence why I deferred to calling the general number and visiting the branch before applying. After all my inquires I made it clear I was looking for {$100000.00} and wanted to know key eligibility requirements. I was never told an account would be a basic requirement ( even after asking ) and was led to believe income and credit would be the major factors. Nevertheless, after all my attempts to understand basic qualifications we ( my fiance and I ) were denied after applying primarily for not having an account. I not only think this was unfair but it was deceptive because other major competitors clearly outline qualifications which I will submit as evidence. 
To add insult to injury I was contact by an underwriter I believe from California to further question the application after applying. At this point I was advised we wo n't qualify for the {$100000.00} because of no relationship and minimum assets with Wells Fargo ( thank you for telling me after applying ). However, I felt somewhat relief that we would be able to receive a counter offer up to {$50000.00} without having a relationship per the representative. I was then advised to allow further processing and to follow up with the banker that assisted me. 
After, following up with the banker and her manager they were both in shock of the denial of credit considering our credentials and escalated the issue. Long story short, the resolution was we were not qualified because of no relationship and limited assets with Wells Fargo and too many recent credit accounts opened. Please be advised recent applications of credit and restructuring of my debt was tactical to reduce my debt to income and increase my chances of credit approval before purchasing a home which would increase my debt to income. 
Bottom line, had we known what we knew after applying we would n't have applied. We would n't have based our future plans on the possibility of a credit line and would have seek other alternatives. However we did, we felt like we did our homework and prepared for success but still failed due to misguidance. Now what?

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 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On my Bank of America Acct. XXXX, I made an auto pmt. for {$1200.00} on XX/XX/2017. My IRS check did not come in until XX/XX/2017 and the check did not clear. Bank of America changed their policy to deduct the check when it is issued from the account versus when it is deposited by the recipient. I called Customer Service and they told me to issue another auto pay check as the first one ( check # XXXX ) did not clear. I made another payment with check # XXXX. The next day both checks cleared. I called Bill Pay and they told me that Customer Service should not have told me that. They then voided the check # XXXX. Both checks were sent to the Texas Attorney General Child Support Division. Their processor received both checks and forwarded the amount to the recipient prior to depositing the check. They then sent me the attached letter. I called them and said this was a bank error and I paid the correct amount of child support. I tried to arrange a call with both Bank of America and the Child Support Payment processor on the phone, but they said they need a letter from Bank of America on their letterhead stating this was a bank error. Bank of America said their attorneys would have to approve this and they can not fax a letter to the Child Support Div. I have filed a formal complain with the Texas Attorney General 's Office and now with Bank of America as they are incorrectly presuming I have committed an offense and this matter may be referred for criminal prosecution. Until Bank of America provides the requested information, I can not send the Child Support Div. checks. Please provide to the Texas Attorney General 's Office Child Support Div. the information they have requested at your earliest convenience. The bank policy should not be to deduct the amount from my account when the check is mailed but when the check is cashed. Similarly, the Child Support Div. should not forward money that was not cleared their bank.

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 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Essential Retrieval Group
State: NE

Complaint narrative:
Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Global Recovery Group
State: DC

Complaint narrative:
Global Recovery Group continues to call my phone number. They continually threaten to sue or send my " case '' to court. They threaten that I will be " served '' court papers at my place of work. They refuse to send me any information or a validation notice, which is required by law. I have spoken with XXXX and XXXX, the company that Global Recovery Group claims to be collecting for, multiple times. My debt to XXXX was paid back in 2014. I have record that the debt was paid and satisfied. XXXX also informed me that they do not use third-party debt collectors and have told me over and over not to pay this group and that it is a scam. The scammers have called under two different phone numbers and names : Global Recovery Group at XXXX and XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: McCalla Raymer Leibert Pierce, LLC
State: CT

Complaint narrative:
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: NJ

Complaint narrative:
I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LHR Inc.
State: FL

Complaint narrative:
LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.

Company response to consumer: Untimely response