vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been paying {$500.00} per month for the last 12 months to my credit card Capital one. 

My wife and I noticed that our balance was not decreasing I contacted capital One and ask them what was going on They told me that my interest was compounding daily on my balance I advise them that I was never informed of this when I signed up for the card, or when I spoke to them on the phone or even when I spoke with them in the beginning of 2017 about trying to lower my interest rate They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand. They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand I contacted capital One and said that I was never informed that my balance with compound down there and that I would not have signed up for the card if I knew that I am a XXXX XXXX veteran who went through XXXX about four years ago and as a result Ive had some financial issues I had to file bankruptcy, which is why I signed up for capital Ones credit card a couple of years ago To now find out that they were charging me daily compounded interest over the last few years was extremely disappointing to me as a military veteran who has struggled with a XXXX XXXX and who owns up to their Inability to pay my creditors a few years ago Capital one bank framed it to me that I could use their card and rebuild my credit, but they never informed me that my interest would be compounded daily. I repeat they never informed me that my interest would be compounded daily

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My name is XXXX XXXX and I recently hired a law firm to help me resolve several high debt matters from a limited liability company, where my partner ran up excessive debts. The partnership was officially terminated back in 2017, even though the limited liability company is still valid. These debts are guaranteed by the limited liability company. I request at this time a reasonable settlement response from each of these creditors without going through a Chapter XXXX corporate bankruptcy process or a Chapter XXXX bankruptcy process. I submit these settlement requests through a Consumer Financial Protection Bureau portal to show my intentions are honest and within my rights. The limited liability company is known as XXXX XXXX XXXX XXXX XXXX, XXXX and the employee identification number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation
State: CO

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX. has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical procedure information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Today XX/XX/19 I Spoke with a representative about crediting back late fees. She could do nothing Well I would like management you know the financial well-being of older citizens is at stake. 
Seniors at restaurants and travel and the many other places are giving special status because of their fixed incomes and financial hardships I would like also the banks to understand and reimburse the late fees Im not asking for the interest and hopefully I can get this solved with automatic payment I believe I have three {$30.00} late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I have had numerous billings, collection notices, etc. from the XXXX XXXX XXXX XXXX for a bill that was paid in full to the service provider XXXX XXXX XXXX. I advised the agency that the bill was paid in full via check and cleared the bank on XX/XX/2018. This was before my first notice from them. They continued to send notices however and I offered to send them proof the check cleared and all I get is more threatening notices. I did not receive a response to my offer. 

What is most offensive is that there was a billing problem and XXXX XXXX advised me my physician should have used another code thus the bill would have been under Medicare AND not to pay the bill until it was resolved. Weeks went by and it wasn't resolved so I just paid the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have paid {$500.00} toward my principal only payment to Ally finance and every time I make a payment they do not put it on principal only. I have contacted them by phone every time I have paid and told them this is for principal ONLY and they will not put it toward principal. They say they are and they do not. 

Payments made for principal XX/XX/2019 ... ... ... ... ... {$100.00} XX/XX/2019 ... ... ... ... ... {$150.00} XX/XX/2019 ... ... ... ... .... {$50.00} XX/XX/2019 ... ... ... ... .... {$200.00} I think they are taking advantage of an XXXX  woman.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stearns Ventures, LLC
State: UT

Complaint narrative:
I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.

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 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
After receiving on XX/XX/XXXX a dunning letter dated of XX/XX/XXXX from Rent Recovery Solutions for an alleged debt of {$1500.00}, I sent a validation letter on XX/XX/XXXX with a cease and desist request in response via certified mail respecting then the 30 days timeframe deadline to dispute the claim. According to the FDCPA 15 U.S.C. 1692-1692o, all collection attempts must cease until the debt collector obtains verification of the debt from the creditor and a copy of such verification results must be mailed to the consumer showing evidence of the alleged debt. Yet, Rent Recovery violated such law by not only failing to provide such proof of validation but also by still attempting to collect the alleged debt during the verification process period through repeating, abusive and harassing phone calls even at my workplace informing then my coworkers of my personal issue with a collection agency about an alleged rent debt. In addition to that, on XX/XX/XXXX Rent Recovery reported an invalidated and inaccurate derogatory account to my credit report violating both the FDCPA and the FCRA laws against my person hence my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Bank has failed to provide required XXXX form for 2018 tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have a loan with DPT ED/NAVI and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, DPT ED/NAVI and XXXX XXXX with no successful resolution. XXXX  ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CXXXX XXXX XXXX XXXX The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX WY XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX  has NOT removed this account from my credit reports, or have sent me any kind of actual validation under the FDCPA. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. I've attached that document they sent me. 
Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX am in a big financial situation, where I need to request a settlement from Capital One. This financial institution is now taking me to court, even though I have given notice over the past year that I was facing a serious financial hardship. I do not desire a judgment to be taken against me. I do not desire to file for bankruptcy. However, I will borrow the funds from a relative if a settlement can be accepted for {$370.00} on the referenced account. I will need this settlement as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result '' .Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

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 2019-02-19 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I learned this morning, XXXX XXXX2018, that my TD credit card XXXX had been cancelled in XX/XX/2018 by TD Bank for fraudulent transactions! But I had never been notified by TD Bank as to said transactions and had never been notified by TD Bank that my said credit card had been cancelled! This even though I have been making monthly payments on said credit card both by USPS and in person at the TD Bank branch in XXXX, New Jersey XXXX! Nor was I sent a new credit card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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 — Was not notified of investigation status or results
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SECURITY CREDIT SERVICES Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SECURITY CREDIT SERVICES was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2018 ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.

Company response to consumer: Closed with explanation