vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a Macys credit card which had been closed and I was paying off the balance. In XXXX 2017, my minimum balance was {$63.00} and I paid the entire balance by the due date. As far as I knew the card was paid off. I just happened to notice that I had an email from Macys with a balance due of {$6.00}. When I went back through my statements, I saw that in the XXXX statement ( generated after paying it off ) they charged me a fee of {$2.00}. The interest accrued said {$0.00}, but there were fees of {$2.00} and then they charged the same fee of {$2.00} in XXXX and again in XXXX. Since I do n't get paper bills and no longer use that email address, I was not aware this was even going on. I was not concerned since the account had been paid off. When I called them to inquire, they told me it was interest. I 'm not so sure how you can keep paying interest on something that was paid off, and the interest charge even said {$0.00}. I told them I was n't paying it and to fix the charge and supposedly they have reversed it which I have not yet been able to verify. But I ca n't help but wonder how many other people they have done this to.

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 2015-06-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PLDR
State: CA

Complaint narrative:
I enrolled in a payday loan debt consolidation program eliminatepaydayloandebt.net XXXX Payday Loan Debt Relief XXXX in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after Payday Loan Debt Relief withdrew {$400.00} each month for XXXX months. I was promised a closure letter and finally received it XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted XXXX and they state they have not received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Efron & Efron, Professional Corporation
State: IN

Complaint narrative:
Ledger documented duplications and errors, never received actual hospital bills

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I 'm a XXXX vounterable adult and I have a issues with only having a XXXX grade education I collect XXXX since I was XXXX I 'm XXXX now I am being sent to court cous I choose to eat meals an sleep in a warm place It 's spring out now I can live outside an I do n't have do much to pay other than mm u debit my only suggestion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Transcontinental Credit & Collection Corp
State: NY

Complaint narrative:
The ER billed me for a service covered by my insurance. Despite letters sent by my insurance to the ER that the invoice was submitted too late to be paid and can not be billed to me, the ER submitted the bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Many months back my credit limit was around XXXX dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for XX/XX/XXXX my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for XX/XX/XXXX says the limit is 300 and I have 17 available. 

No matter what I do I can never have a good available credit rating because they drop my credit line every time I make payments. I will pay in full and close this account but what Synchrony Bank is doing is terrible. Their online chat agent said they 'll send me a letter in the mail to explain the reasons for continually dropping the credit line, but they were of no help. I 've contacted them several times and still have n't seen this letter they 've been telling me about since the first time they dropped my limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In early XX/XX/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of {$96.00}. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After playing phone tag with multiple representatives and supervisors, no one could give me an answer to the fraud investigation outcome as the letter was unclear. During this time synchrony refuses to credit the amount of {$96.00} in fraud charges so it continues to accrue interest. I was advise to not pay this charge and everything, including the accrued interest, would be credited once the investigation concludes. This seems counter to how every other bank I 've dealt with conducts business when it comes to fraudulent charges in dispute. 

After many hours on the phone spread across many days, I was finally able to get a hold of someone on the phone who told me the reason the original complaint did not go in my favor was because it was filed as a dispute, not a fraud charge. Now I would have to wait again while synchrony refiles and conduct the investigation again. This is beyond incompetent.

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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: GA

Complaint narrative:
I recently received a credit card in the mail for which I did n't request. I know that this is a scam in that my name was printed twice on the card. XXXX with my middle initial. I contacted the company XXXX XXXX and they would not provide any information about the company, how they acquired my information, etc. I told them I wanted the specifics on this card and the representative would not provide any details. I informed them I would contact the FTC and they said " go for it '' as if they were above any laws. Their website is very vague and does n't provide any company information, just a page to enter credit card information.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I Have chase Card showing on my credit report which does not belongs to me. 
I have contacted all XXXX credit as well as Chase card to Deleted from My account., on three occasions. ( XX/XX/2016 - XX/XX/2016 - XX/XX/2016 and again in XX/XX/XXXX.I have file a Police report to local police department. 
Nothing been happen, this is affecting my credit i dont any one else if you look at my credit report. 
Chase Card -XXXX page XXXX and page XXXX account was charge off still reflect the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have contacted Navient two times to discuss decreasing my monthly payment due to my financial situation. I have provided them with my monthly expenses. They stated that they need my father 's information, as he is the cosigner. I have informed them twice that he is currently XXXX and not able to help with payments. Both times, they have told me they will send me the required paperwork to complete to verify my father 's XXXX status. I have never received this paperwork, either time I was told I would get it and have not even been given an option to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMR Progressive, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from PMR PROGRESSIVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PMR PROGRESSIVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
State Collection Services sent me a notice regarding medial bills from XXXX. We informed them that XXXX was provided the wrong provider number and had to resubmit the insurance claims to insurance payer XXXX in XX/XX/2017. Instead of sending us the updated statements XXXX sent them back to State Collections Services. In XX/XX/2017 My husband contacted XXXX in regards to the update statements. XXXX mailed us all the updated statements on or about XX/XX/2017. We have been sending the final payment for the updated bills to XXXX and they have been accepting payment. Today XX/XX/2017 XXXX sent me a payment regarding a balance of XXXX. The statement provided evidence that a payment was recently made by us for XXXX, but we still received a collection notice from State Collection Services for the same amount. XXXX is allowing us to pay the balances off, but we are still receiving notices from the collection company. 

In addition XXXX has also sent these same bills to a second collection company called XXXX for Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: NY

Complaint narrative:
I have a derogatory mark on my credit report that has already been PAIDED and not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDICO. INC
State: SD

Complaint narrative:
I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have student loan debt that is now under review for possible XXXX forgiveness, but the complaint that I filed also seeks damages because of damage to my credit and I also seek refund of applicable payments or similar such amounts due to me. My original complaint only partially addressed my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I was ill advised about repayment options in a time of hardship. I have done everything I could to keep payments on time, but was told my best option was forbearance. I was on a IBR but some how I have been placed in a deferment or a forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RJM ACQUISITION LLC
State: OH

Complaint narrative:
IM, FIXING MY CREDIT, FROM THE MONTH OF XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT XX/XX/XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION RJM ACQ LLC., OF THIS AMOUNT IS $ XXXX PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED XXXX XXXX I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: OK

Complaint narrative:
I have a skylight payroll card. In the paperwork it ststes if you use their ATM there will be no fees. Yet when i used it to check my balance it charged me a XXXX every time. I used an ATM out of their network and wasnt charged a XXXX. 

There are checks with this pay card that can be used to take your paycheck off the card all at once that you 're supposed to go to XXXX or XXXX to cash. Yet when i tried to use th8os service NOWHERE will cash them anymore. So i called the contact number to cancel the check and have the money put back on the card. They told me it would take 3 business days to put the money back on the card. After 4 business days it still was n't there and i got evicted because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC
State: MS

Complaint narrative:
API out of New York contacted me. They also contacted my grandmother. Told her the amount I owed also told her I could be taken to court or wages garnished. They have not sent paper by mail to my address. Will not give a return address. They took a XXXX dollar payment and then on the next payment we would pay XXXX. Called and did not get anyone. It said the XXXX customer was unavailable. The next day they called me. I asked about the XXXX deal. She knew nothing of it. XXXX is a local MS , TN & Al cell phone company. All I could pay was another XXXX dollars. They would not take it. Refused. Said they were turning it over to the courts. Also threatened my wife with charges. They sent a plain envelope with a basic layout to my grandmother with no return address only the amount I owed. Threatening, claiming court & garnishing of wages, giving out personal & financial info & not taking a payment because the amount was n't what we agreed on. I will not pay them anything else. API out of New York, I guess used all those tactics toward family member & myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ROC Asset Solutions, LLC
State: OK

Complaint narrative:
I filed a complaint against API earlier where they have told relatives I needed to call or go to jail. They now have called my place of employment threatening, The number they use is XXXX. My case number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worth Finance Corporation
State: FL

Complaint narrative:
A request has been submitted requesting 60 days to settle my dispute. Worth Finance has also stated that I have called during the month of XXXX, I have been in contact with this company since XX/XX/XXXX. I do agree with the statement made that I was unhappy with option that was presented to me. Please note this company has reported this loan as a charge off and bad debt since XX/XX/XXXX. Knowing that the loan reach it 's limit of collection in the state of Taxes. WFC tried to re-instate a payment plan or increase the amount due, again on a CHARGED OFF, BAD DEBT as reported since XX/XX/XXXX. I made contact with them, they have not called back and should not be allowed to draw out or delay action of removing debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: PA

Complaint narrative:
I had a payday loan with Mobil Loans for a few years. Recently was informed by them that they no longer could make loans in Pennsylvania. So, I paid off my loan with them but they are still charging me fees. My last balance was {$61.00} which I paid on XXXX. Now they are charging me {$8.00} in fees for a loan that is paid in full. Recently I checked on line and they have added another {$8.00} in fees stating that I now owe {$17.00} for a loan that has been paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.

Company response to consumer: Untimely response