vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I repeatly tried to speak to someone about increase in interest rates. Was treated rudely on the phone with no answer to my questions. I was told repeatly that I did not qualify for loan forgiveness even though I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: MO

Complaint narrative:
transunion removed a XXXX account and placed it back on my credit report without notifying me within 5 days of reinsertion which is clearly violation of the FCRA. i disputed a XXXX account that was showing up on my credit report. after disputing it with transunion in the file that maintain under my social security number. I was informed on XX/XX/XXXX that it was deleted from my credit report and now on XX/XX/XXXX I checked my credit report and noticed that the item has been reinserted on my credit report. I 'm accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. Also I filed a complaint with convergent and I was informed that this account was being removed from my credit report they even uploaded supporting documents that they put the request for removal but transunion somehow refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I do not owe a debt of any kind to anyone. Neither mysel, f ( XXXX XXXX ), nor my husband, ( XXXX XXXX ), owe anything. All our bills are paid up in full each month. Harris and Harris called me with a recorded message Saturday, XXXX XXXX,2017 and said they were a debt collector & to call their offices at XXXX. The recorded call said their offices were open Monday through Thursday. There was no names given as to who owed a debt. My son, XXXX XXXX, lives here and all his bills are being paid on time also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Since its inception in XXXX, I have made monthly, on-time, payments on this loan, As of XX/XX/XXXX, 27 of those payments have had no amount applied to the loan principal. These interest-only payments total {$16.00}, XXXX. I have tried several times to get an explanation from Navient over the past 2 years, with no response from them. My latest attempts occurred today when I tried twice to send an email about this issue. Their website only responds with an error message that asked me to try again later. I tried reconciling the account using various amortization tables, but nothing matches their figures in any permutation. There is no reason that a lender would fail to apply payments appropriately to both interest and principal unless it is managed very poorly, or is a scam. Either way, I feel that Navient is ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: MO

Complaint narrative:
I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC
State: CA

Complaint narrative:
The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay 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 2017-08-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.

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 non-monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX billed me without providing the services they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have noticed that on my recent credit report I have several inquiries by the same company, which I have NOT authorized. This is from XXXX XXXX XXXX. Last year I opened a credit card with them but they should not be doing hard pulls on my credit every few months. When calling them I was told that they do soft pulls regularly and that I should n't worry but I told them that they keep doing hard pulls instead. Their response was to go back to the credit agencies and dispute with them, because they do not provide this service.
The following are my hard pulls : - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX - CBNA on XX/XX/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 2017-08-20 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: TX

Complaint narrative:
Credit reporting agencies Transunion, XXXX and XXXX  refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, Transunion and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

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 2017-08-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

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 2017-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-20 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:
Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agencies XXXX, XXXX and Experian refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from Experian, XXXX and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

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 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: KS

Complaint narrative:
I sent a certified letter to Allied International Credit Corp in reference number to their debt ref number XXXX. The debt collector ( XXXX XXXX ) failed to validate the debt after 30 days. Debt collector is continuing to contact me and is in violation of the FDCRA. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a letter from Asset Recovery Associates ( ARA ), Inc.,  XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.

Company response to consumer: Closed with explanation