vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler, L.L .P file a motion to turn over funds from my bank account they enter a judgment they say in   XXXX   For the sum of  XXXX  plus cost from   XXXX   XXXX   XXXX   XXXX   XXXX   they already levy from the account  XXXX  on  XX/XX/XXXX  they give false statement to the court that they hold the debt to collect I file a claim before to cfpb the  XXXX   XXXX   XXXX  said they sold the account to  XXXX  and the no longer have the right to collect but they has the civil action against me they said they will continue with collection process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I did an online application for a  XXXX  vehicle lease in   XXXX   XXXX    . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: MO

Complaint narrative:
There was a {$500.00} check load to my account on  XXXX   XXXX ,   XXXX   and was also cashed with a check cashing place in  XXXX   XXXX  as shown in the descriptive email ingo collections sent me on the  XXXX  of  XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any  one  who stays in  XXXX   XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

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 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against Portfolio Recovery Associates ( PRA ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old XXXX XXXX account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another XXXX XXXX credit card. XXXX XXXX has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. PRA has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because PRA sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against PRS called Federal Trade Commission v. Portfolio Recovery Associates, PRA must show proof of ownership of a debt or proof that XXXX XXXX has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, PRA is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. PRA is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress.  Accordingly, this item must be deleted permanently, and my file information must be voided by PRA. THIS ITEM POSTED IS ILLEGAL!!! <P/>PRA MUST DELETE ITEM AND PURGE MY INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc.
State: MO

Complaint narrative:
On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On  XXXX   XXXX , I received a claim demand form Register of Wills for {$1600.00} from  XXXX  Services/Target Credit Card. I contacted a representative (  XXXX   ) o f  XXXX   XXXX  who would not discuss the account of  XXXX   XXXX   XXXX   XXXX  with me, only with  XXXX   XXXX  and  XXXX   XXXX . I faxed a documented proof, I was co-administrator of the Estate of  XXXX   XXXX   XXXX   XXXX , I rejected the claim of {$1600.00} by  XXXX   XXXX  Target  Credit Card based on  XXXX   XXXX   XXXX   XXXX  suffering from  XXXX  and survived 18 years of   XXXX   XXXX  . I requested Target Credit Card provide me with documented proof  XXXX   XXXX   XXXX   XXXX  signed any or all Target Credit Card receipts within the past  two  years especially l between the period of  XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX .      XXXX   XXXX  made several unauthorized cash transactions on  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Therefore,  XXXX   XXXX  could not sign any checks or credit card receipts for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?

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 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: OH

Complaint narrative:
i just checked into my credit and i have past medical bills due to a  XXXX  and all the bills where payed in full and now i have bills in collections and the baby was an   XXXX   so all the medical bills where addressed with final paper work 6 months after the   XXXX   there should n't be any past medical exps the attorneys had it all payed and shut

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have inaccurate information showing on my  XXXX  and  XXXX  credit report. Despite my many attempts to resolve it with Navient customer service department and the listed credit bureaus it has yet been resolved.   I n 2014 my loan went into default and this has tarnished my credit and caused me harm. Though I followed the directives of the customer service agent advice which was to put the loans in deferment, which is the advice I followed for years after being told my only two op tion were deferment or consolidate. Forcing me having to pay higher interest rates, being turned down for loans and sufficient employment to take care of my family.   I 'm requesting that all  XXXX  Navient accounts be removed from my credit profile due to the inaccurate information reported continue to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We previously filed a complaint, #  XXXX . The servicer responded stating they acknowledged the mistake and were fixing it. It has been 6 months and still has not been resolved. Our client continues to get letters threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX   XXXX   XXXX      Installment loan  for {$5000.0 0} I Applied a nd they denied.   They denied me because of limited  Credit Experience .   They only applied for a installment loan when i wanted to apply for them all.   Due to redlining and the  Homestead Act  i feel their practicing those discriminating acts on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I have kept my  BBT Visa card current for the most part ( greater than 95 % of the time ) since its issuance. I spoke to a representative today and learned that the card  had been cancelled even after I made more than double the amount due as a minimum amount in the last 14 days.     The card balance was made successfully. I never bounced a check or had issues with the minimum payment and sometimes paying much more than the minimum. The card statement shows available credit but when I used it today, I was blocked on the account.     As consumers, like me, recover from the financial crisis, they need access to credit in underserved areas. The card was not paid chronically late ever. The last balance was not even over 90 days and typically the card is paid as agreed.      BBT added la te fees and other cost that caused the card to go over the limit.

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 2017-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
on  XXXX / XXXX / 2017 , threatening phone call to my cell phone and place of employment. Company represented themselves as a law firm and threatened to call my friends and family in an attempt to garnish my wages. Called my place of business after being told I withdraw my consent to be contacted at that number. Continued to call and threaten to contact my payroll department for a wage garnishment even after being told to stop. Refused to identify themselves or provide an address or to send written verification of the supposed debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
On   XX/XX/XXXX  I sent a  letter to the address provided on their website in regards to their derogatory information that is being rep orted to all    XXXX   credit bureaus against me.   They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt.   They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation