vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: MO

Complaint narrative:
I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Control Services is reporting under XXXXcredit bureau and have not verified debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened new accounts at Chase bank on XXXX/XXXX/2015 and the next day, I closed my account with XXXX XXXX XXXX and made cash deposits of {$6000.00} ( {$3000.00} into my Chase Checking Account and {$3000.00} into my Chase Liquid Account ). 

At a point between XXXX of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, there was a break in at my home and valuables were taken. This matter was reported to the XXXX XXXX on XXXX/XXXX/2015 with report number XXXX. 

I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 

On the morning of XXXX/XXXX/2015 I could n't find my wallet. I checked my account online and saw that there were unauthorized transactions on both my checking and Liquid Accounts. Then, I went into a branch, same branch where I opened the Accounts, by my house. 

My transaction summary was printed for me at the branch and the Manager of the branch called the back Office on my behalf, and a claim was filled, on XXXX/XXXX/2015 and I was told to wait 1 to 2 business days, for my account to receive provisional credits in the amounts been disputed. 

Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Account # XXXX as reported to XXXX XXXX XXXX XXXX XXXX, XXXX To whom it may concern ; I am writing in regards to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. 
This vehicle was repossessed in California on or about XXXX XXXX, and resold at an unknown date. 

Under the laws of the State of CAUCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

GM never provied copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Because GM never provided this information, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
About 3 years ago I finished college and entered a payment play with navient. When I called them, I specified my future goals were to use the XXXX forgiveness plan and the public service 10 year forgiveness plan. I was advice to enter a 30 year consolidateed plan. Last week I called navient to see my progress to that goal and make sure I had the write paperwork to turn proving my past three years of publoc service. I was told over the phone that my payment plan was not eligible for forgiveness, I needed to enrolled in the income driven repayment plan. I had made 36/120 faith full payments ( $ XXXX ) wasted to be told I had to start all over gain. The difference between the XXXX plans? Barely {$500.00} dollars in their favor. I have talked to many different public school teachers who got the same advice I did. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I closed an account with XXXX XXXX when I moved from XXXX XXXX XXXX XXXX, XXXX, CA. The XXXX in turn sent me a check for the credited amount on my account and closed my gas bill. On Monday, XXXX XXXX, 2017 I contacted XXXX XXXX and the representative informed me that my account was closed. Someone else attempted to turn on service at the address and then cancelled service. After that action XXXX XXXX turned service back at that address in my name without my authorization nor was I aware of this or notified. This account is now reporting on my XXXX Credit Report and I am outraged about {$190.00}. I did not live there nor request that action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Wise Recovery Solution LLC
State: FL

Complaint narrative:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Constantly calling all hours of the day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I contacted Western Union to verify that money sent in the past five years was indeed received because I noticed that a recent transfer was not received and Western Union did not provide transparency. Upon my repeated calls, Western Union committed to provide such history the next day then within 20 days. They failed to deliver on this commitment and deny me of my consumer rights to verify if any of the transfers are left dormant. I no longer trust Western Union to address this issue since they claim they address my request even though I keep telling them I have never received any information. Please note that Western Union has sent unrelated emails during this period so they have the right information in their records. I conclude that they are not willing to respect my consumer rights and are retaining my information unfairly. I also find it unfair that a consumer has no transparency on past transactions either online, email or telephone. This lack of transparency and opaque systems also raise serious concerns with WU 's ability to effectively meet their Anti-Money Laundering, OFAC and BSA obligations. 

Please refer to the following WU case number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have made several attempts to correct this problem, but it seems my account continues to be reported incorrectly, even after speaking to a person at the corporate offices. I have submitted XXXX other complaints about the same problem in past ensured during the complaints that the account would be reported correctly on all XXXX credit reports but to this date the account has not been reported correctly. After I submitted my last complaint all of my credit files reported correctly besides my XXXX stating that I owed {$890.00} ( The balance was never {$890.00} ). Today, I pulled my credit reports and now they are stating that I owe {$290.00} and status is & gt ; Charged Off & lt ;. I was told when I settled the account, the account would state that it was paid and in good standing. This XXXX account has effected my credit report for over a year due to the companies incorrect reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: CO

Complaint narrative:
Advance America XXXX, Colorado continues to charge my account the wrong amount bi-weekly. I have not authorized the amount. I have called them multiple times regarding this and they choose to avoid it and continues to try and withdraw the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.

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 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: PA

Complaint narrative:
I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track

Company response to consumer: Closed with explanation