vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Lender Inc
State: MD

Complaint narrative:
XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed. 

Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX   in one day. 
My XXXX score dropped from XXXX to XXXX in one day. 

I am contacting the CFPB and filing a complaint. 
I sent Self Lender an email this morning and have not heard from Self Lender yet. 
I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it. 

Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX 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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. 

Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent certified letter to XXXX XXXX disputing an item in the amount of {$1200.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/XXXX which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I attempted to purchase a vehicle from XXXX XXXX XXXX XX/XX/XXXX. I had been off work for 7 months and just received a permenent position so my payment history was not good. I was asked to have my sister co-sign for me. I initially receieved word that her credit was good and I wopuld have no problems, then the dealership came back and said they would need more money from me. They structured the loan not as having my suster as a co-signer but as the lead on the loan and me as the co-borrower, thus driving up the interest rate on the loan. They got the loan approved with Santander Bank at 19.28 % interest. There was a lot of deception on the part of the dealer, they over charged for services I did not ask for : {$1700.00} Service Contract, {$750.00} Gap Insurance, {$500.00} Random Dealer Fee and {$350.00} for a Pinstripe that was never requested and never installed. I fought for over a year to have the funds refunded and finally fgot the dealer to refund the total {$3300.00} for the over-charge. The dealer sent a check to Santander Bank on XX/XX/XXXX. The check was applied XX/XX/XXXX. I called in prior to the heck being sent and was told that I could apply part of the refund to my payments to get me caught up. I called in XX/XX/XXXX and was told although all debt goes to the principal, I can not credt anythign to my past due payments. 

I was the one who fought for the refund and I should be able to use the funds to pay fopr my vehcile payments and get caught up. They are charging me late fees on top of the exhorbitant interest rate of 19.28 % and our talking about repossesing my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I took out a loan with pocketfund in XX/XX/XXXX. I made a payment of {$180.00} in XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing me.

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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I spoke with a manager today, XX/XX/XXXX, regarding a check sent on XX/XX/XXXX in the amount of XXXX, this is a replacement check for a prior check sent on XX/XX/XXXX which has a stop payment on it. A total of 14 overdraft fees charged to my XXXX account plus a returned check fee in the amount of XXXX as a result of the stop payment. The overdraft fees cost XXXX each a total of XXXX plus XXXX, a grand total of XXXX. The manager advised me the check sent on XX/XX/XXXX was cashed by a XXXX XXXX at a XXXX XXXX XXXX, I do not know this person and am not familiar with this bank. I was on vacation at this time, left on XX/XX/XXXX for XXXX XXXX, returned on XX/XX/XXXX. Needless to say, I was not able to receive check or sign in it. The manager further advised me to contact police and that their investigations team can do nothing further as check was already cashed, will not reissue it. The Police are not able to reimburse me for lost check and the other party, XXXX XXXX, is nowhere to be found. I do not have a copy of check to show them, they can do nothing without it. Even so, as I stated prior, they can not reimburse me for lost funds. The total claim with overdraft fee and returned check fees is XXXX. Please advise Capital One I need a check for this amount ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company Portfolio Recovery called Me on Sunday XX/XX/2018 at XXXX. 
Never said who they were but kept asking to speak with me, When I went to respond they hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I GOT VERY SICK AND ENDED UP IN XXXX AND COULDNT PAY MY BILLS..I RECIEVE A PAY LOAN FROM XXXX XXXX OF XXXX AND I PAID XXXX BACK, AND THEN I GOT ONE TO PAY ANOTHER LOAN OFF AND GOT XXXX AND OWE OVER XXXX BACK, I THOUGHT I WAS TOLD TO PAY XXXX A MONTH BUT IT END UP BEING XXXX A WEEK AND THEY ARE ALSO CHARGING ME INTEREST PER DAY AND IT IS NEVER GOING DOWN, ,I GOT ANOTHER ONE FROM XXXX XXXX OF XXXX $ AND FOR ALMOST TWO MONTHS NOW.. HAVE PAID XXXX $ EVERY TWO WEEK AND THEY TOLD ME THAT IS NOT MY LOAN IT IS JUST INTEREST AND IM NOT PAYING ON THE LOAN. I GOT ONE MORE TO TRY AND MAKE END MEET FROM XXXX XXXX   OF XXXX $ AND THEY GOT ME PAYING XXXX EVERY TWO WEEKS 10 TIME BEFORE I PAY THAT ONE OFF, I KNOW I OWE ALL OF THESE BUT I WILL NEVER PAY THEM OFF, ,ALL IM ASKING IS FOR A SMALL MONTHLY PAYMENT SO I CAN PAY ALL THAT I OWE..I HAVE PAID MORE THAN ENOUGH ON ALL THREE BUT I ALSO AGREED TO PAY.PLEASE HELP ME.

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent a letter to Bank of America which according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX they received on XX/XX/2018. In the letter I asked them to validate & verify a debt they are reporting on 2 of my credit reports ( XXXX  & XXXX ) according to the FCRA. However I never received a response from them.

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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information.

I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Received a phone call from IQ Data International. Saying I owed a balance of XXXX which includes 7 % daily interest for the XXXX XXXX. I explained to them that I haven't received anything in writing to date about the amount. When I asked what address they had on file for me it was not accurate. Keep in mind I moved out from the XXXX almost a year ago. Also explained that I am disputing the amount owed. 1 ). Because the amount owed involves cleaning fees in which I was told I wouldn't need to pay because when I moved into the apartment it was dirty and infested with spiders. 2 ). Because the final amount to move was given to me by the XXXX and I was told that was the full amount to satisfy the rent. They have been charging me fees of 7 % daily and threatened credit reporting if I did not a pay the amount. I explained to them I don't have the funds to pay it. They said we could look at hardship options. After providing my financial information which clearly shows I don't have anything extra each month I was transferred to senior representative. They advised that I should just charge it to credit cards, or skip a car payment to pay it. And although I am disputing it I still have to pay it and request to be reimbursed later. Her only goal was to demean me and bully me into paying it. When asked to speak with a supervisor the senior representative refused and said I was the only one they could speak with. I ultimately had to hang up and call back and the supervisor again refused to help me. When I called in tears he said maybe you should call me back when you can get it together. When I asked for options he said I just need to pay it. I would like a review of the phone call between myself and the senior representative in addition to the supervisor. The collection practices are unfair and abusive and I want the company reviewed. I was literally in tears by the time I got off the call. I know they don't care and clearly the collection practices of this company are not being reviewed. I will also be filing a complaint with the XXXX. This is not right what they did. 

Date of call XX/XX/XXXX IQ Data International XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX, my father received a call from XXXX XXXX XXXX in XXXX, CA requesting I contact them because they were filing a judgement against me. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX using claim XXXX. XXXX then informed me they were filing a judgement against me for a debt with XXXX   XXXX for the amount of {$1300.00}. 

I explained I had no knowledge of this debt before this call. I asked if I could get proof that this debt or account existed. He told me it did exist he had a credit report from XX/XX/XXXX  that showed the debt and it was connected to my full name and social security number. I then told him I needed some sort of proof that this was my debt and he told me he was taking that as " refusal '' to pay and they would move forward in court. 

I then again said I needed some sort of proof I owed this money and he said my request was unreasonable and " sarcastic '' and accused me of requiring him to send me " a picture of myself when I took out the card ''. Which was never requested. 

I then asked for basic details such as when this card was taken out, when the last time I made a payment was, he then got angry and refused to provide me additional details and told me I would need an attorney to get these answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with LexisNexis. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and XXXX that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by LexisNexis. XX/XX/XXXX I called LexisNexis who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I initiated a Bill Pay via Capital One 360 for the purpose of submitting earnest money in for a home purchase. The Bill Pay portion of the Capital One 360 website indicated the payment would arrive via check on XX/XX/XXXX. The payment was delivered 3 days later on XX/XX/XXXX. The late payment resulted in a delay of the closing due to the funds not being available to use against reserve requirements, mandatory for a home loan closing. When I spoke with Capital One they blamed it on a 3rd party Bill Pay company and explained it was not guaranteed to arrive on XX/XX/XXXX, when in fact the website showed the payment as " delivered '' on XX/XX/XXXX. Given this error and impact on the home loan close, we requested the funds be expedited back into the account as soon as possible. Despite several conversations with supervisors and escalation teams, Capital One 360 was unable to complete the stop payment and re-deposit the funds prior to the home closing. Several supervisors worked on the issue, ultimately resulting in the funds returning to the account ~3 business days after the initiation of the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. Transunion had to correct the same situation 2 months ago and now XXXX  has lowered my score. It is a domino effect that snowballs.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, XXXX or TransUnion that this account was being placed back 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