vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am currently on a 60 month hardship program with my Zales account. Under terms of the program, my monthly payments are XXXX a month. The account shows a payment in the amount of XXXX due on XX/XX/XXXX, payments are scheduled out for six months for XXXX each. I believe my monthly payment should show XXXX due, not XXXX. A payment in the amount of XXXX was made as an ACH on XX/XX/XXXX and returned on XX/XX/XXXX, it does not appear that payment went through ... I made another payment in the amount of XXXX as a replacement for this payment on XX/XX/XXXX, I do not see it returned as of yet. There appears to be an error with payments withdrawn from my account, the initial payment was returned the same day on XXXX was assessed on XX/XX/XXXX in the amount of XXXX which is a late fee and on XX/XX/XXXX, a finance charge in the amount of XXXX. Please note, the terms of the program also state there is no interest/finance charge. Needless to say, these fees are questionable as there is an error in withdrawing payments and terms state there is no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Complaint # XXXX - Response XX/XX/XXXX Sears response that they mailed me a letter. Sears sold the account. My account was in good standing with no past due as to there XXXX statement. There were several attempts with sears to update the change address. customer service never followed up as they said with several attempts to resolve the issue. I was told over and over with no reply back from sears. I was living in another state and working in which I can provide the lease and proof from insurance company of my car insurance as well as bank statements as electric etc. There was a change of address made and sears never mailed me no letter or has to date provide a letter before they sold the account. This account was handle very deceitful and was not followed up as sears stated in there response 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 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello, I would like to complain about the debt collection from the agency Midland Credit Management. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XX/XX/XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, XXXX XXXX & XXXX XXXX contacted me in XX/XX/XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments onXX/XX/XXXX for about {$9800.00}. I have called and spoken to people from Midland Credit and XXXX XXXX. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XX/XX/XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XX/XX/XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Estate Information Services, LLC
State: MD

Complaint narrative:
Hello, I am receiving collection letters from Estate Information Services , LLC XXXX for a debt by a deceased family member, whose Estate is insolvent. They have been notified in writing about this and continue to send letters for payment and calling leaving messages with other family members. The original company was XXXX XXXX, and I suspect they sold this to a collection agency. 

The letter is asking for {$2500.00} to settle the debt. Rec 'd the letter in XX/XX/XXXX. 

I attempted to call them and they only want to speak with my elderly mother, who has XXXX. I refuse to subject my mother to these tactics. She had an Estate Attorney who also has previously addressed this debt. 

My father has been deceased since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation
State: GA

Complaint narrative:
I lost my card and reported it lost. I advised the RepresentativeOver the phone my new address and she said that my card would be mailed to XXXX XXXX XXXX in XXXX, GA XXXX. When I called to verify I was told three days later that I needed to send over documentation proving my address. I sent over three documents to from XXXX XXXX and one from XXXX County water Authority. I was advised that neither of those documents were Acceptable. This company is trying to hold my money and not send me a card the documents that I sent over all had my name date and address clearly on all three documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION
State: TX

Complaint narrative:
XXXX XXXX has continually attempted to contact me at a phone number that is no longer my employer on XX/XX/2019 and XX/XX/2019. I am sure that there are more instances that I am not aware of. They have been told by multiple people I am no longer employed there. They have now also started to contact my current job. I have told them that I am not able to receive calls at work. I have sent 3 letters ( XXXX XX/XX/2019, XX/XX/2019, and XX/XX/2019 ). The original letter on XX/XX/2019 stated to not contact any workplace phone numbers for me and they have continued to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland ( MCM ) has not provided documents from XXXX. XXXX also has missing statements XX/XX/2013 was the last statement I received. There was also a change of address made well before the XXXX statement was mailed out. There has been several attempts but no effort made to resolve the issue. I have disputed this account when XXXX had it with several calls and customer service saying one thing but did not follow up as stated by them. I also have proof I was living in another state and working. as well as electric car insurance all was change in change of address. MCM has not even in disputed stop reporting to credit bureau. They have not provided any letter of this debt since day one. XXXX has statements missing as well as no letter going back to XXXX as to there claim of mailing out a letter. XXXX never made any effort to resolve there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Meade & Associates placed an outstanding medical debt of {$860.00} that belonged to my deceased mother in my name and under my social security number a year after she died. I have called them multiple times and talked with XXXX XXXX, collector, and XXXX XXXX, manager. 

I have also sent them documentation showing this debt belonged to my mother, including copies of the bills sent to her, in her name, and at her home address, as well as her death certificate. 

On XX/XX/2019, XXXX XXXX represented to me he would resolve this issue with the manager for erroneous collections. However, rather than resolve this issue, this debt collector placed this collection back on my credit report in XX/XX/2019 after I disputed it with the credit reporting agencies. 

Meade & Associates are claiming that I was my mother 's fiduciary and this makes me liable for her debt. They are basing this claim on a document I signed for my mother and in my mother 's name and at my mother 's request while she was in the hospital. 

I had to sign several such documents for my mother during the course of her illness as her next-of-kin, and this is the only collection that has been filed against me on such a basis after her death. 

I did not furnish the original creditor with my social security number, date of birth, or mailing address. In addition, the original creditor did not send the bills in my name or to me. 

I believe Meade & Associates located my personal information and used it in order to wrongfully collect a debt and wrongfully report the debt as mine to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
We have made many attempts to reach XXXX to no avail and they are attempting to collect the incorrect amount regarding our account and have passed it to a law firm to collect illegally. We have made multiple attempts in trying to resolve this matter to no avail. When we went into agreement with XXXX with in XX/XX/2016 we were provided with a 12mth free interest program which is not being honored nor has it been provided to the E. L. Goodman LLC. They are attempting to collect the incorrect amount and we spoke to many representatives with in this law office who stated they would reach out to XXXX to request this information. However, I spoke to a lawyer in the E.L. Goodman office who was assigned the account who was very antagonistic and refused to reach back out to XXXX regarding the 12mth free interest component of the agreement. Although we signed an agreement, we were also provided with the caveat and the 12mth interest free was noted on our account at the opening of the account. We do not agree with the balance. We also attempted to explain to representatives within XXXX our extenuating medical and financial circurmstances encountered with our daughter who was hospitalized for over 34 Days in ICU and they were heartless, uncaring and discriminatory towards XXXX XXXX and U.S. Military Veterans who have served their Country. They are practicing very deceptive practices with their Collection Agency E. L. Goodman.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX XXXX I paid off the card ending in XXXX with XXXX. I paid XXXX. For some unknown reason they won't answer still, they transferred XXXX to a XXXX card I had on XX/XX/XXXX. That left me a XXXX balance at XXXX and I now owed XXXX XXXX. I called over 10 times and emailed secured messages over XXXX times asking them to correct this and transfer the money back to make both accounts XXXX. On XX/XX/XXXX XXXX XXXX decided the way to correct this was to deposit XXXX in my bank account and have me XXXX XXXX. I did on XX/XX/XXXX. I cancelled both cards. On XX/XX/XXXX I receive a statement from XXXX XXXX saying there had been a " reversal '' of the XXXX and I now owed XXXX again! I have sent over 20 secure emails. Called 6 times. Been put off by every person there. NO one can resolve this. Now they gave me a phone number to some bill pay person that is just a phone message and the person does not speak english well. Please help with this. They are now charging me interest. They won't escalate to a supervisor that will resolve it. Supervisors do not call back after I have talked to them and they promise to do so.

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GreenSky, LLC
State: TX

Complaint narrative:
On XX/XX/18 we purchased a water softener system with local company that offered interest free for 6months a payments of {$35.00} for 3 years at 9.9 %. Supposedly on their home improvement card that turned out to be a regular credit card. The company sent a copy only after the unit was installed but I was shown an XXXX disclosure stating the terms. The purchase was {$3600.00}. It states that the finance charge will be {$3600.00}. Thats very close to 50 %. The term was NOT 3 years it was 12 years and the finance charge is the same amount as the purchase with total payments being {$8600.00} for a water softener. Very close to the amount of the purchase. The payments were not {$35.00}. There were laddered payments going up to {$60.00} until XX/XX/XXXX. 

We made minimum payments of {$35.00} during interest free period. When we received the statement after the 6 month period we were surprised to see that the amount owed went up not down. I called I was first told I didnt understand. My wife is a retired banker who is over XX/XX/XXXX. When the sales person found that out he arranged to put the transaction in my name. I would not have agreed to the terms if fully disclosed per regulations. My wife was present to see the approval. We received the full disclosures only AFTER the unit was installed. Turns out Greensky is a front for XXXXXX/XX/XXXX, an XX/XX/XXXX XXXX XXXX subject to federal lending regulations. 

14 months later the amount owed has gone down {$5.00}. I sent an email to customer service to Greensky customer support and requested an explanation of exactly how they were calculating the interest. I received a phone call saying they were happy to talk about it but they were not allowed to answer anything in writing. 

More recently I sent an electronic payment showing it was received the same day it was sent. They processed it for 7 days and then charged me a late fee requesting two payments. 

This company is not disclosing per regulations. It is cheating seniors and new home owners. The correct interest rate being charged is not 9.9 % for 3 year term. The idea that this term was changed to 12 years with altered payments by the time any written disclosure was issued is scary for any consumer. I urge you to take action. We would never apply to some undisclosed out of state bank disguising its subprime lending under a Greensky consumer finance company. I will be happy to send any documents requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX Capital One ( XXXX XXXX XXXX XXXX, NC XXXX-XXXX ) took over our cabelas credit card. We've had nothing but issues with them since. I send direct payments from my bank to pay the bill. I've done this with all my bills and I've NEVER had an issue until capital one took over my account. They keep insisting they are not receiving my payments on time. I've never had any issues until capital one took over and now they take over two weeks to process my payments, in turn making my payments " late ''. I've called numerous times to fix with no help at all. I've tied to find out why we can't do a direct electronic payment to fix and I've been told they don't do that. I've also been told it was more than just my issue, it was an on going system issue with my bank and capital one and it was being sent to the correct department to escalate and resolve. 
XX/XX/XXXX we made a payment and it wasn't credited to my account until XX/XX/XXXX. ( Due date XXXX ). 
XXXX they charged me {$27.00} late fee. 
I called, they apologized because of their error and credited the {$27.00} back. 
All payments still taking two weeks to process, payments/ month 's overlapping. I made phone calls every month!! Brings us to a payment on XX/XX/XXXX, not credited until XXXX and imposed a late fee of {$38.00} on XXXX. XX/XX/XXXX i called and was told fee would be reversed because of their system issues with my bank. 
Same problems/calls in XXXX, they would send to management and straighten out and credit the late fee. 
XXXX still the same, i found a different way to pay directly online ( not through my bank ) payment was finally posted on time, no thanks or help from capital one. Still haven't reversed the last late fee. More calls to them, and now they are stating they will not reverse/ credit that charge. They stated it must be my bank problem, not theirs ... ... omg ... ... i hate capital one and their customer service and managers. I want the {$38.00} late fee credited back to my account like i was promised back on XX/XX/XXXX. My payments were not late, capital one chose not to post/ credit to my account until after my due date. Because it was coming directly from a bank and they said i couldn't guarentee when payment was actually received by them. They think they can manipulate me because i didn't personally mail out the check Omg, I've NEVER had any issues with anyone else, just capial one. They XXXX and i want the {$38.00} late fee revered immediately. Thanks for any help you may offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-22 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: Equidata, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2018 30 day late XX/XX/2018 60 day late Contacted them, they failed to validate the late payments

Company response to consumer: Untimely response
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient, our loan servicer continues to misapply principle/interest. Some months they will apply XXXX dollars to principal and put everything towards interest. Our loans are a fixed payment each month and we have made every payment on time or ahead of schedule. The principal portion of the payment should be increasing each month as the balance decreases. In the last two years our principal payments have ranged from XXXX to {$240.00} and are vastly different from month to month. I have tried to get Navient to explain this and/or correct it, but have not been able to get a response from them. Our normal loan payment is {$400.00}. Since the loans originated in 2013, we've made payments of {$31000.00} of which {$10000.00} was applied to principal. Our original loan amounts were {$24000.00} and {$33000.00} for a total of {$57000.00}. Our current loan balances from Navient 's web site this morning are {$20000.00} and {$27000.00} for a total of {$47000.00}. 
I filed a complaint back in XXXX, but Navient refused to respond to your inquiry stating that my name was not on my wife 's loan. Navient has assured us that my name is in fact on the account and they should have no issue responding to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or before XX/XX/2019 I applied for XXXX XXXX Credit Cards. My application was denied based on " too many CC opened in the last two years '' I reachout to Chase Bank and asked for explanation and definition of what is it too many CC, Chase refused to define and reply that that definition is a company lending practice and would not be disclosed. I spoke with XXXX XXXX Lead customer service in XXXX Arizona. 

I think Chase denied my application based on my location to be a low income and mostly people of color area ( XXXX XXXX  ). 

I ask CFPB to intervene and stop this illegal practice by Chase which is in reality discrimination in landing practice

Company response to consumer: Closed with explanation