vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
continues to contact my employer after i have requested they not call me at work. 

I have requested this both verbally and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jason A Craig, PC
State: GA

Complaint narrative:
I continually get calls from XXXX stating they are with Jason Craig and Associates.  Very nasty and refuse to leave a reason to their call when someone answers the phone when I am not available. I have NEVER even received any form of legal mail from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in  great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX. 

In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error. 

I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease. 

Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I opened a XXXX credit card with capital one in XX/XX/XXXX to rebuild my credit after bankruptcy. My account was kept current and I was offered two credit limit increases between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received and email from Capital One stating that my address has been updated and my new cards ordered. I did not complete that action so I immediately called and reported that activity as fraudulent. I Was told it would be investigated and I would be contacted. I was never contacted, my card was turned off and my online access revoked for my security. The next day I received another email stating that my new card had shipped and once again reached out to capital one. Again I was told someone would reach out to me. Between XX/XX/XXXX and now I have reached out to them on at least 5 separate occasions to even find out the status of the fraud. To this day I do not have card or account access. 

AT the time I reported the fraudulent activity my account was maintained as current and I had never had a delinquency. Once my fraud claim was submitted and completely mishandled, I lost access to a product that I had maintained my contractual obligation on through no fault of my own. 

Capital one has still never resolved the fraud claim despite my reaching out repeatedly and has now charged off the account. HUGELY impacting my credit. Falsely charging off an account and then damaging someones credit is a major violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Optimum Outcomes a collection agency is reporting derogatory information on my XXXX report for XXXX dollars and XXXX dollars. I have reached out to company twice to verify debt with original creditor and no response. I have disputed with XXXX   and still deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid " Current Balance '' on XX/XX/XXXX, which I assumed was the entire balance since I did not use this card at all for quite awhile. On XX/XX/XXXX I was charged {$27.00} in interest charges. Its very deceptive. As the consumer, I believed I was paying the entire amount. 

Chase, the credit card issuer replied with the following : Interest charges are listed separately on your monthly statement based on the type of transaction and the associated annual percentage rate ( APR ). 

You have different types of balances on your account. Each has its own APR. 

- Your purchases had an APR of 0 % variable good until XX/XX/XXXX, and the interest charged on that balance was {$0.00}. 
- Your promotional offer had an APR of 0.00 % variable good until XX/XX/XXXX and applies to the balance transfer, and the interest charged on that balance was {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: GA

Complaint narrative:
XXXX is reporting an inaccurate payment history on my credit reports. 
XXXX and XXXX ( XXXX ) they are reporting that I was 90 and 120 days late in payment, when in reality, my account was in forbearance for several months. This is also, the case for XXXX, when I was on public assistance and having problems paying my loans. They placed me on forbearance again, but showed me delinquent XXXX-XXXX XXXX. In XXXX, I was making regular payments, on time, but was hit with lated fees, because they failed to apply my payments by my due date. As a result, they count the late charges against me, even though I was making regular payments on time. The fees were counted separately than my regular payments. The late fees shows me not making any payments for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. I know this was incorrect, because XXXX later refunded me these late fees as over payments, late last year. I need these these late pays removed from my credit report, asap. It is hampering my ability to secure adequate financing for a new car.

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 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX LOAN NUMBER -- XXXX MORTGAGE COMPANY - FRANKLIN MORTGAGE XXXX ARIZONA DEAR SIR/MADAAM I HAVE BEEN TRYING FOR TWO ( 2 ) MONTHS TO GET AN OVER PAYMENT OF MY REAL ESTATE TAXES IN THE AMOUNT OF {$700.00}. THAT ARE DUE TO ME AS A RESULT IN THE LOWERING OF MY TAXES IN VIRGINIA. I HAVE ASKED 5X WHERE MY REFUND CHECK IS AND THEY KEEP TELLING ME NEXT WEEK, NEXT WEEK. i HAVE SPOKEN TO A SUPERVISOR ABOUT THE PROBLEM, XXXX XXXX AND HE SAID HE WOULD SEE THAT IT WAS MAILED TO ME AND IT HAS NEVER COME. I HAVE LEFT OVER 6 MESSAGES FOR XXXX XXXX AND HE WILL NOT RETURN MY PHONE CALL, I HAVE TRIED TO REACH A MANAGER AND THEY WILL NOT LET ME SPEAK TO ONE,. THIS IS VERY FRUSTRATING, I AM A XXXX XXXX XXXX FROM THE XXXX XXXX XXXXXXXX VIRGINIA AFTER 28 YEARS AND WAS A XXXX XXXX AT THE XXXX ON XXXX WHICH HAS NOW LEFT ME XXXX XXXX  XXXX. I WAS HONORED BY XXXX XXXX IN XXXX VIRGINIA FOR MY SERIVE IN XX/XX/2001. THIS ORGANIZATION HAS VERY POOR CUSTOMER SERVICE AND MANAGEMENT SHOULD BE AWARE TO TAKE CORRECTIVE ACTION. PLEASE HELP ME GET MY REFUND CHECK ASAP.

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: AL

Complaint narrative:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Randomly received a bill in the mail stating that I owe Navient a total of XXXX principal and XXXX of Unpaid Interest ; last payment received XX/XX/12. This is the first time I am receiving any notice of a missed payment!! This is unfair and do not agree with this billed. Please help! This is the first time I ever heard of Navient. I was orginally signed with Sallie Mae services and believed my loans were paid in full. This is the first notice I've received about any bills or warning notices. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: LA

Complaint narrative:
I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am XXXX years old and in poor health. I have been disputing a hospital bill for two years and this company called me several times to collect. All along they were nice but this one gentleman was badgering me, asking why I cant use my Social Security to pay it, and making me come up with money I dont have. He wanted me to set up payments but I am on a strict budget. He was very rude and would not let me speak and when I tried to speak he told me I was not cooperating. He was rude and condescending, and insinuated that because I had Social Security coming in I must be able to afford it. This episode made me extremely ill and he did not even care. He even told me to go borrow the money from someone.

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
This is not my account. I know nothing about this account. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX. 
I am the client of Bank of American and Home Equity Account is XXXX. 
In XX/XX/XXXX, They offered me the promotion 1.99 % APR fixed through XX/XX/XXXX. And this promotional rate is only available on new draws by phone before XX/XX/XXXX. 
On XX/XX/XXXX, XXXX. I phoned to draw fund total XXXX to my check account. Of course I returned some during this period. And the Ending Balance is XXXX. 
This means all balance should be in promotion rate. see attached document 01 But the statement ( Billing cycle : XXXX ) is : All other transactions APR 4.41 Principal XXXX Finical Charge XXXX Where comes from all other transaction? My total draw fund ( by phone ) in XXXX is XXXX and this much larger than the ending balance. This means my ending balance XXXX is from phone transferred from Equity account to my check account and this should be APR1.99 not 4.41 as their promotion. All my transaction only through phone as their promotion requirement so all transactions rate should be 1.99 % as promotion. 

Same problem : BOA offered special promotion in XXXX : 1.99APR fixed through XX/XX/XXXX. And this promotion rate is available on new draws by phone before XX/XX/XXXX. I draw funds on XX/XX/XXXX, XX/XX/XXXX, total {$64000.00} by phone. See attached 02 But the statement ( Billing cycle : XXXX ) is All other transactions APR 4.66 Principal XXXX Finical Charge XXXX Where all other transactions come from? Why this principal XXXX is the same as last cycle ( as above said )? All my transaction only through phone as their promotion requirement. So all transactions rate should be 1.99 as promotion. 

As I am not native English speaker, please ask them reply me by writing form. 
My e-mail address is : XXXX OR XXXX. 

Please ask them correct these mistakes and do not make same mistake because last billing cycle they did same mistake and correct after your notice to them. 

Best Regard XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently had some negative information reported on my Transunion, XXXX   and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

Trans Union File Number : XXXX XXXX Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.

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