vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc
State: FL

Complaint narrative:
I 've been a victim of identity theft. On or about XX/XX/XXXX I 've obtain a XXXX Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a XXXX 's CC that I never open. The last time that I applied for a XXXX 's CC was back in XX/XX/XXXX and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the XXXX 's CC was open on XX/XX/XXXX and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But XXXX 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. XXXX 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
I received a debt collection notice from XXXX, a subsidiary of XXXX from its attorney, Cooling & Winter. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS.
Provide me with ANY documentation which establishes your legal standing to collect anything from me.
I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by XXXX and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.

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 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.

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 2017-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX  2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: OH

Complaint narrative:
I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NC

Complaint narrative:
I have   XXXX   loans through Navient totaling {$33000.00}. My first issue is that one loan is {$13000.00} which seems correct given what was disbursed to the school but the other is {$20000.00} which is no where near what was disbursed to the school. When I asked the company why the loan was so much more expensive they said because it had accumulated interest. My next question was why had it accumulated interest when not only had they just come due that month but the other one had not accumulated any and they could not explain and ended up putting me on an endless hold. My second issue is that my monthly payments total almost {$500.00} and I work an hourly   XXXX   XXXX   so when I called and asked about an income driven repayment plan they offered forbear offered forbearance as and option and I told them no I wanted to establish an income driven plan and they took a financial statement from me and my cosigner and i have heard nothing back from them at all. I have called asking and they say it is still being processed. It has been has been over a month now and they are not contacting me at all not even to badger me about the payment that is about to be 30 days late ( but is not yet, will be as of   XXXX   XXXX  ,2017 ). They did however call my cosigner 5 times last night (   XXXX   XXXX  , 2017 ) and told her that the financial statement she gave was not received because the call dropped. I sat with her when they took that statement and not only that but why wait a month to say " Oh the call dropped we do n't have it. '' Instead of calling me to ask where my cosigners statement was they just let me miss a payment that I have literally no way to afford. I feel like I have been cheated in order for this company to receive a late fee from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.

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 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.

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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.

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 2017-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services 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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
in XXXX of XXXX First TN finalized a foreclosure on a property I had financed with them. I had owned this property since XX/XX/XXXX and had built a 2nd home on it. I had built up approximately {$31000.00} in equity. I owed {$29000.00} +/- at the time they started processing a foreclosure. I asked First TN, multiple times, to please work with me as the economical downturn in the market place impacted my income directly, but they refused. I explained to them that my income had dropped and my tenants moved out without notice. I tried to rent it and was able to maintain the payments for a few months. However, I could not find a tenant. I tried on multiple occasions to convince First TN that if they would just work with me, I would get back on track and continue to pay them. First TN sold it for {$51000.00} in XX/XX/XXXX for a profit. They continued to call me to collect a balance still owed of around {$7000.00}. This continues to haunt me as they have it on my credit report as a foreclosure with an outstanding balance. It has cost me higher interest rates with new creditor, declined financing from new creditors and required larger down payment on vehicles.
I have attempted to rebuild my credit for almost 7 years now and continue to be denied for new credit. I can not finance a new vehicle, I have drove the same one for 15 years.
The ramifications of First TN not being willing to work with me has cost me immensely, in numerous way. First TN sold this property for approximately {$22000.00} more than I owed. This was equity I planned to use toward my retirement.

Company response to consumer: Closed with non-monetary relief