vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please refer to my earlier CFPB complaint XXXX dated XXXX/XXXX/XXXX. 
As per that : XXXX Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. The latest issue - the customer service folks are not even aware of the correct XXXX Routing #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. This is so careless mistake by the customer service. Citi has a usual habit or pattern of making simple things complex. Moreover Citi has  grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank. 

================================================================= Essentially speaking Citi customer service gave me wrong information about the XXXX routing # and thus the direct deposit failed. 
This failed direct deposit was totally Citi 's fault and they accepted it also. 
When i was opening this account - it had a promotion of {$500.00} - i fulfilled that by applying the right promotion also. It was opened using the webpage that they had at that point of time. 

Once again citi is trying not to honor their words and deprive me of the promotion.

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 2017-12-13 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: IN

Complaint narrative:
My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from XXXX XXXX from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for Capital One. I called the number back and spoke with someone who stated they were attempting to collect debt for Capital One. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called Capital One and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX money was stolen from my bank account through an unauthorized on-line money transfer not made by me or my wife ( the only account holders ).
The theft was timely ( within 30 minutes ) reported to the Bank, and the Bank 's representatives stated the account would be locked pending a fraud investigation.
After this call, additional monies were stolen out of the account - it had not been locked as reported by the Bank. 

This additional theft was again ( still on XX/XX/XXXX ) timely reported to the Bank. 

Since then, on multiple occasions, I was told the stolen monies would be placed back into my account within 3 business days. 

Today, I received notice that the Bank was rejecting the claim of fraud reported on "XX/XX/XXXX ''. 

Given these circumstances, it is clear the Bank did not conduct a legitimate investigation and is disregarding the true facts of the theft.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: VA

Complaint narrative:
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from Constar Financial Services, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from Constar the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents

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 2017-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My loan was with XXXX up until XXXX 2017 and  was bought by Nationstar and is now Mr. Cooper. 
Every month I send them an extra payment of {$1500.00} and instructions to apply in whole to the principal. Every month they apply it incorrectly, every month for the whole year. 
They apply it this way ... 
Principal {$580.00} Interest {$420.00} Escrow {$370.00} Additional Principal {$110.00} That 's {$790.00}, almost {$800.00} that they try not to apply to my Principal on my loan. I have given them instructions and every month they ignore my instructions. Every month I have to call, explain what they did wrong then wait for a couple of days for them to apply the correct amount toward the principal. 
Every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITALONE CANCELLED CAPITAL ONE DEBT PROTECTION PROGRAMS WITHOUT PERMISSION AND NOW MUST FORCE ARBITRATION ON SAID ACCOUNT. 

FILE A CLIAM THAT WOULD PAY OFF BALANCE OR CANCELL DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I have no knowledge of this collection I pulled my credit fill and this collection was listed.

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 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
they lied to me about the {$900.00} loan and was trying to charge me over {$1000.00} for a {$900.00} loan

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 2017-12-13 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on XXXX 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