vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery Partners, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Recovery Partners for Recovery Partners failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX XXXX received a demand letter from creditor, Recovery Partners. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is continuing to report fraudulent accounts on my credit. I have communicated with Equifax, XXXX and XXXX for over a year. I have disputed and communicated within my rights to have these accounts removed from my credit reports. XXXX  and XXXX  have complied with my request to block and remove items that do not belong to me, per section 605B of the Fair Credit Reporting Act, which details the credit bureaus responsibility to block fraudulent information on my credit report resulting from identity theft. All required documentation was submitted and Equifax has handled my certified mailed documents as if they were a normal dispute. 
On XX/XX/2018 I spoke with a fraud department manager, XXXX in regards to my concerns in how they have handled my file. Only one account was removed and he stated that this was due to the creditor stating to remove the account. I questioned the manner in which they were handling my case and he stated that they have to present my information to the creditors and wait for them to 'electronically verify ' my account. By law, a document bearing my signature has to be on file to validate the accounts and neither the creditors or Equifax have a copy of these alleged documents.I was told by XXXX that an electronic verification is all that they need. This is not legal and I want these fraudulent accounts removed from my credit file immediately. I am prepared to take the next level of suing Equifax for not complying with the law and misrepresentation of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.

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 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
The private student loan that I took out with XXXX XXXX has accrued so much interest that it will be difficult to pay it back. The credits did not transfer to other universities. I had to take the same classes over again. I now have to pay back a student loan that was worthless to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: OH

Complaint narrative:
Left a VM. My husband called them back. They never disclosed that they were a debt collector but rather asked my husband to verify the last 4 of my social or DOB. He gave them my DOB. Gentleman went on to say that a complaint was filed with the XXXX court ( there's no complaint at the XXXX court ) and that this could be resolved quickly over the phone or they'd take further collection action ... implying filing a law suit. He claimed that I owed a debt to XXXX XXXX XXXX XXXXXXXX for a line of credit. I haven't had a line of credit for over 10 years anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. 

XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. 

One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.

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 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been paying for more than a decade this loan on time. I send extra money monthly so I can finish paying early. However, even though I have been sending extra money for almost 5 years the balance never goes down. I have about {$3500.00} left and they are saying that I still have 4 more years @ XXXX XXXX   monthly, yet I send them XXXX XXXX monthly. That's would be more than double of what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: WY

Complaint narrative:
I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I asked Barclay card representative to fix issues with this card included interest charges for checks I never had any checks and never withdrew any cash from this card. bank failed to respond or to preform any actions to fix an issue, instead they charging me {$37.00} overdraft fee every month which is outrageous.

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have two mortgages with Wells Fargo. When I use their " Make a Payment '' function, I am able to pay one mortgage ( enter pay date, amount, acct from which the money is to be withdrawn ) without incident. And then when I try to make the 2nd payment, I get a " lost internet function '' message and that they can't process a payment at this time. 

This has happened several months in a row. I have no reason to believe that the loss of internet function is accurate. On two occasions, I forgot to complete my transaction later and incurred late fees as a result. I have also called their payment processing center to report this issue, but it continues nevertheless. Can someone please look into this? Thank you.

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 monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I paid all my debts XX/XX/2018 and they are still showing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
company pushed its guidelines when it was not possible for me to adhere to and made an exception for me. now company refuses to admit this scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. 

On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. 
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. 
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. 
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX  XXXX that the account was closed. 
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am not supposed to owe XXXX for the items that I purchased. The numbers were fabricated and this being on my Acct is slowing me down from repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Today 's date is XX/XX/XXXX @ XXXX. I am currently on the phone with a Mr. Cooper representative to address the status of our request for a reasonable modification of our loan. We have made three trial payments, but as yet have not come to an agreeable, acceptable modification. We have also questioned why there are arrearages totaling $ XXXX. Please explain where this came from ... ... furthermore, modification letters revealed the interest rate is not adjustable and subject to change. WE ARE ONLY INTERESTED in a fixed rate, preferably lower than 6.85 %. 

Addition comments made via email to XXXX XXXX : I have received the documents that were included in your previous email to me. As of today, I have spoken with a supervisor in the modification/ligation area or financial assistance to help explain those documents and answer remaining questions. We have noticed there is an arrearage ( accumulations of payments ) on our loan. Could you please explain this? For informational purposes, I have included a pdf of payments that were applied to the account and deemed complete and current after our bankruptcy in XXXX. 
Further, we have questioned the interest on our loan during modification request and was told a mistake was made in offering a 3.86 interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX   balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: MO

Complaint narrative:
I never withdrew any cash from my card and reported it as lost or stolen. Instead of removing the disputed items Capital one bank keep charging me interest for cash advances. After closing my account nobody willing to speak to me or resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.

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 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.

Company response to consumer: Closed with explanation