vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MI

Complaint narrative:
I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group
State: TX

Complaint narrative:
Immediately after three separate failed attempts by a XXXX number exactly 1 minute apart to contact me on my cell phone, my wife got a call from a " local '' number on her cell phone XXXX which she answered. The person was claiming to be XXXX XXXX ( a courier ) that would be delivering law suit paperwork if I did not call XXXX and give them reference number XXXX. So I called the XXXX number listed above and was told that the company name trying to collect was Global ( nothing else " just Global ). They claimed that I acquired a payday loan which now has accrued a balance of XXXX. I asked them what the original loan amount was that was taken out and when it was taken out ( both of which they could not answer except to say, " we ca n't see that on our end '' ). I then asked him for Globals mailing/street address, contact telephone number, debt collection license number, and a validation letter. Once I did this I was asked to be placed on hold. After a brief hold I was then " transferred '' to the complaint department ( to my surprise ). I quickly restated the previous questions in the same order and then the women ( whom never would give me her name ) got angry and told me to do better research on what to ask of debt collectors and then got hung up on. Shortly following that conversation I received a call from a " NO CALLER ID '' and it was XXXX XXXX again. He was threatening to deliver paperwork to my place of employment Envoy ( which is n't even accurate ). I asked him who the debt collector was and all of the same questions to which he had no answers to. He just kept threatening me with being served papers and asking where I was and when he could show up. I told him to come to my house to deliver them and I 'd be waiting for him. He then stated numerous times that he would come to my place of business and ask the president of my company where I was currently even though I had just told him I 'd be at home. I laughed. He then kept asking me if I thought this was a joke etc. I finally said yes I think it is considering I have never taken a loan out and that no one could offer me any sort of legitimate answers to my simple questions. My assumption is that is a total scam. Therefor I am formally filing a complaint in hopes that the CFPB can begin an investigation against this apparent scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Collection of a debit in someone elses name and incorrect reporting to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: GA

Complaint narrative:
I received a letter in the mail today with a credit card attached. It came in a regular white envelope and informed me that I need to activate my account through XXXX. It states there is a 0.0 % introductory offer. It gives a phone number to activate the card. The available credit is {$150000.00}. It states the member since XX/XX/2016 and valid through XX/XX/2016. On the back of the card there is nowhere to sign the card and there is also no CVV number. It offers a phone number or website to activate the card. There are two names listed on the card.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Concord Resolution Inc (Closed)
State: FL

Complaint narrative:
they say I have a file for collection with my name on it and they want met to pay threats of serving, arrest, legal action but wont give me any information on how they are calling on behalf of

Company response to consumer: Untimely response
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Asset Management, LLC
State: AZ

Complaint narrative:
This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Greyhill Financial
State: NC

Complaint narrative:
PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
Your submission, [ Case number : XXXX ]. I need to make a correction to the addresses that I provided. In my rush, I made to XXXX typos. 

Complaints against : Allied Trustee Services - the correct zip code is XXXX. 
XXXX XXXX XXXX - the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
I have followed up with XXXX additional letters to these companies. They want to argue that their actions have been approved in court. I am requesting an accounting of all of their fees and I feel that I am entitled to this as a consumer, These fees are not in the court documents. I am attaching my last XXXX correspondence with them. 

XXXX XXXX sent Allied Trustee Services on XX/XX/XXXXRE : XXXX XXXX XXXX - XXXXThis is to acknowledge your letter dated XX/XX/XXXX that included a copy of the court order dated XX/XX/XXXX. Unfortunately the public records and your response does not provide answers to my questions that I have a legal right to have as a consumer. Once again, I request that you provide the following : date this debt was referred to your agency the initial amount of the debt referred to your agency itemized list with dates and amounts of interest charges that your agency has charged. 
itemized list with dates and amounts of attorney fees andthe reason for the legal fees that your agency has charged your written credit/collection policy ( Allied Trustee Services ) on interest rates and fees that your agency implements. 

Sent to XXXX XXXX on XXXX XXXX, XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX, CAPlease send me a copy of the lastest invoice for the condo at XXXX XXXX XXXX # XXXX XXXX, CA listing all charges incurred before you forwarded the debt to the attorney and/or collection agency. 
I would like a detailed invoice listing the following : date you referred this debt to the attorney/collection agency debt amount that you referred to the attorney/collection agency an itemized list with dates and amounts of all interest/late charges start date and end date of charges itemized list with dates and amounts of attorney fees and the reason for the legal fee documentation of XXXX XXXX 's agreement noting credit for his payment arrangements your written credit policy on interest rates and fees

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of XX/XX/XXXX and XX/XX/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS XXXX points each day the card was used. Points were to be awarded within 2 billing statements By XX/XX/XXXX no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to this complaint ), they apologized and said Synchrony Bank would be in touch within several days. They were. A nice woman named XXXX from SB apologized for my problem, explained that by error the offer was n't linked to my account but that it was good, I would get my points and even offered {$50.00} in extra rewards points for my trouble. She assured me it would be resolved and the rewards would be awarded by my next statement. By this time I had at least 90 mins invested in calls, live 'chats ', and letter writing. After our call, I confirmed that the 'points for my troubles ' ( {$50.00} in Gap rewards ) were added to my account and believed that the points I 'earned ' through the promotion would be added soon and every thing would be fine. Today I received a form letter in the mail, basically playing 'Twenty Questions ', asking dates, amounts, etc- as if I am supposed to do all the research and calculations for them, after I was assured that the matter was settled- basically taking me back to 'square one '. They clearly had all this info already when I spoke with XXXX. What a terrible consumer experience and poor reflection on The Gap. I really never want to have anything to do with either Synchrony Bank or The Gap ever again.

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 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.

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 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My card was recently renewed at my request, and I subsequently was billed from a recurring account that I had not yet provided updated information. Upon inquiry, I discovered that the Visa card information, with Capital One as the user had been provided by either Visa or Capital One or both. I tried to get an explanation and where they had obtained such permission from me. The explanation was that they had the inherent authority to do so, irregardless of their lack of knowledge of my actual account details. They act only with the information that previous recurring charges have been made and do not ask for permission or provide notification. This does not appear be legal and certainly not ethical. I have requested that they provide me details but they only " launched an inquiry '', not accepting any sense of wrongdoing or overstepping their authority. I want such action to require my approval, just as it obviously requires the knowledge and approval of all the credit entities and the merchant9s ) involved. 
This a major abuse of authority as I may have cancelled the original card to preclude illegitimate charges from an ongoing account. In this case the charge was legitimate but they had no knowledge of such at the time they allowed the data to flow to allow the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I consolidated XXXX credit accounts in XX/XX/2016 with XXXX. To the best of my knowledge, XXXX has consistently submitted the required minimum monthly payment to each creditor. I have utilized no credit in the interim. My last credit report ( XXXX ) indicates a 44 pt. drop ( XXXX ) and a 29 pt. drop ( XXXX ) in the past 7 days. Upon research, Capital One Credit retroactively reported three 90 - 119 day late payments for months XXXX - XX/XX/2016, despite clear documentation via XXXX to the contrary. Capital One has collected timely payments. This situation first occurred several months ago. After several conversations with Capital One representatives and a formal letter of dispute, it seemed to have been resolved. However, as of today my score and Capital One records are again indicating late payments. XXXX can only verify that payments have been made in a timely manner so, I 'm seeking third party assistance in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: ERC
State: DE

Complaint narrative:
I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P&B Capital Group, LLC
State: NJ

Complaint narrative:
I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has ruined our life, by denying a payment paid to them via our checking account at Wells Fargo to Wells Fargo Mortgage. Then slapping enormous amount of late fees and what not. This is my third complaint to you, but you are also not helping.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is 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 non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance

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