vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: MI

Complaint narrative:
I 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Interest Rate for Federal Student Loan Consolidation is too high! Based on how much I 've borrowed to pay for US. standard college costs and how much it has accumulated in the past years, it is unrealistic for any American citizen to pay their student loan balance within a reasonable given time frame. Based on an income-driven payment plan with regard to interest rate, my total balance for my Federal Student Loan Consolidation is almost doubled. Now imagine millions of Americans facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group
State: CA

Complaint narrative:
I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE

Company response to consumer: Untimely response
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CFS ACCEPTANCE
State: NE

Complaint narrative:
I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Creditrepair.com, Inc.
State: FL

Complaint narrative:
Credit.con is doing something sneaky with my account. They wo n't let me access my credit score and when I tried to delete my account with them they tell me I 'm suspended! They must be up to no good and I ca n't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC
State: CA

Complaint narrative:
Pinnacle Asset XXXX called me and my employer at least XXXX times each. Trying to collect on a debt that is 20 years old and NOT mine! Saying they are going to garnish my wages. Wo n't give me an address to send a cease and desist letter. Telling my employer they are going to garnish my wages if she does n't give them information on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
We had medical bills that we were paying slowly. The debt collection agency started to call my place of work. XXXX would threaten me and be extremely aggressive. She called me 5 to 10 times at work even after I repeatedly asked her not to call me there. She called me more at work than she did on my personal line. When she talked to my husband she was kind and understanding but when she talked to me she was rude, aggressive and continued to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had called capital one on XX/XX/XXXX a day after my due date of XX/XX/XXXX I asked agent id # XXXX to wave my late fee because i was a day late and to make a payment. Then i set up auto pay so this would not happen again, they waved the fee, i made a payment and set up the autopay but unknown to me they never processed the payment and i didnt know till i got my next statement and a alert of my credit report for being 30 Days late after filing for a personal loan for a medical purpose. I called and opened a dispute XX/XX/XXXX with agent # XXXX on XX/XX/XXXX i called back and explained the issue and agent # XXXX waved my XX/XX/XXXX late fee because in fact i shouldnt of been late since i thought i made a payment but they didnt process it and my auto pay wasnt enough to cover the past due amount from capital one not processing my XX/XX/XXXX payment after doing so by phone. On XX/XX/XXXX i received letter from dispute saying they listened to call and i didnt make a payment i called agent # XXXX who put in for someone to listen again. I got a call the next day from agent # XXXX from florida, saying she heard the call and i didnt make a payment but i know i did at least i was under the impression that i did. I then called back on XX/XX/XXXX again and spoke to agent # XXXX who was in utah, who i have recorded under the federal one consent law 2511 part 2 subpart D under instructions from my lawyer. This agent agreed that they would only wave that fee if i was making a payment and then seen how they also waved the XX/XX/XXXX fee and then informed me that she could see that i called in to make a payment. This same agent told me she would talk to her upper management and get back to me but hasnt in 2 days in which i called back and spoke with agent # XXXX from virgina who along with every other agent before XXXX would refuse to even try and help me. I would never waste my time arguing about this! I have more constructive things to do then waste my time, but the problem now is my credit score dropped XXXX points and i filed for a personal loan for a medical purpose and was denied for a recent late payment being this one so now it has cost me a finacial hardship along with defamation of character and capital one has refused to report to the credit bureaus that it was a mistake on they 're part and correct it. I included the statement showing the XXXX fees being waved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that XXXX, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Summit Consumer Group
State: NC

Complaint narrative:
XXXX Bank 's response enlightened me regarding my concern. I am fully convinced that this is a situation that involves fraud. The company that contacted stated that they would file a Civil Suit against me if I did not pay {$850.00} in full by XXXX XXXX. The company 's name is Summit Consumer Group XXXX. They would not under any circumstances allow me to pay through mail or mail me a payment schedule. They wanted me to purchase a prepaid XXXX card to make my payment over the telephone. By the end of the first and only conversation I had with the company, I was able to get a physical address. It is supposedly : XXXX XXXX XXXX XXXX XXXX. ; XXXX, CA. The telephone number I received was XXXX ; XXXX XXXX. I was informed that I could call XXXX XXXX XXXX XXXX XXXX. The following number often appeared on my caller ID : XXXX. This company called my husband and XXXX of my brothers. How were they able to find their names and numbers? In addition, I received credit reports from XXXX, and XXXX during the week of XXXX XXXX, 2016. Summit Consumer Group XXXX claimed that they would remove the bad account from my credit report if I paid them, but it is not on my credit report. Thank you Consumer Financial Protection Bureau! I appreciate your diligence in investigating this disturbing case on my behalf. I am grateful for XXXX Bank 's professional response regarding my concern.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Solutions Group, LLC
State: MI

Complaint narrative:
I 've received multiple phone calls within the week, threatening me with undefined action and that they will be " actively pursuing '' me at my home and place of employment. They do not provide the name of their company, nor information regarding the " debt ''. 
They have called my sister and have left the same message on her home phone. 
The phone number is XXXX ( XXXX, FL ). A XXXX search shows that it might be a company called Recovery Solutions. The message also states that they can be contacted at " XXXX '', whatever that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
This Was Sent Into Debt With Out Me Being Informed Of The Debt, The Date Of Debt Says From XX/XX/XXXX But Was n't Submitted Until XX/XX/XXXX As Shows On My Credit Report, They Will Not Show Me Proof Of This Debt I Have Ask Several Times For Them To Send Me The Proof, Ive Called And Ask To Have The Lawyer Call Me & Will Not Respond, I Went To Office They Showed Me A Paper With Blank Pictures Showing No Proof But A Bill Amount, They Have Been Doing This To Me For Years Charging Me For False Fines Or Cleans With No Proof Of Action, Ive Talked With Head Supervisor Of XXXX Many Time To Have Thrown Out But It Seems Some Still Get Sent Over To Collection, They Have Tried To Charge Me For Boarding Up My House I Boarded Up Myself & Had Pictures With Dates Show They Didnt Do This Work, This City Is Very Shady And Crooked Charge People For Stuff Never Done & Falsely Making Up Bills

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
A payment was issue or authorized by myself, to be payed on XX/XX/2017, for XXXX dollars for a credit card payment to XXXX. Another advanced payment was authorized by myself on XX/XX/2017 to pay Citizens Bank Credit Card XXXX dollars. 
Citizens Bank took the XXXX dollar payment and payed themselves " citizens credit card '' on XX/XX/2017 and then failed to pay XXXX which then caused a " late-payment fee '' because of the delay. 
I have no trust in the Citizens bank because this is the second time this has happened and caused me fee 's. 
I need for the commission to investigate and catalog these actions by Citizens Bank because they have no remorse for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prohealth Care, Inc
State: WI

Complaint narrative:
My medical insurance covers yearly physicals at 100 %, and I verified XXXX XXXX XXXX XXXX XXXX 's office that the visit on XXXX/XXXX/2013 would be billed as a physical. When the bill was sent, {$250.00} was billed as a physical ( and therefore paid in full by insurance ), and {$130.00} was billed as a " Room Rental Fee '', so it was not covered by insurance. ( Note that this charge was reduced to {$96.00} by a discount for having insurance. ) I never rented a room from XXXX Hospital, nor did I authorize them to charge me to rent a room. The physical was not performed at the hospital, and I was only in a patient room for the couple minutes it took to complete the physical. When I contacted the hospital on numerous occasions to resolve this, they were unwilling to change the coding. My insurance company would have been happy to cover the cost if the bill was coded correctly as a physical. The outstanding bill was turned over to a collections agency, who ceased contacting me when I told them what had happened and that the bill is not mine, but instead a mistake on the hospital 's part. The hospital has now turned this charge over to the credit bureaus, which has hindered my ability to purchase a home as my score dropped by around XXXX points. I am contacting you because as a consumer this is my only course of action to get this problem resolved without involving legal action, which will be my final step if this is not able to fix the error.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: IA

Complaint narrative:
I answered a call on XX/XX/XXXX from the Alliant Capital Management. Upon answering they had me verify my name, address. They asked about my employment because they had paperwork to deliver. Then we got into the debt call. They stated it was going to go to " litigation '' several times if I did not settle. At this point I still had not been notified of the call being rerecorded or not ( at the end of the call XXXX XXXX stated parts of it might have been recorderd ). 

The orginal debit is from XXXX a payday loan service for {$2500.00}. 

They keep referring to XXXX XXXX XXXX as who will proceed with litigation. They are also stating my employer is collateral on this. 

Contact info for Alliant Capital is XXXX XXXX XXXX is one of my account reps. 

I offered {$700.00} for an on the spot settlement and it was declined. They are getting aggressive and bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
We have had a checking account with Wells Fargo ( formerly Wachovia ) for nearly 15 years, during our last visit to the XXXX branch we were persuaded to take out a credit card which would 'even out expenses over the year '. I had to make a deposit of {$300.00} and was charged {$25.00} for the annual fee. When the card arrived I had a credit limit of {$300.00}, being the sum I paid in, which makes it a pre-paid account in my view. I have tried unsuccessfully for weeks to sort out the return of my {$300.00} and the closure of the account. 
I spoke to their customer services two weeks ago and said I wanted to return the {$300.00} to my checking account and close the credit card account. As I had a bill to pay I needed it straight away and so said I would take it as a cash advance and the chap said the 3 % fee would be waived and the account would be closed, using the collateral account to pay the cash advance amount. 

I logged on my account today to see that the credit card account is still active with a balance of {$310.00} and a payment of {$40.00} overdue.

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 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NPS GROUP
State: SC

Complaint narrative:
A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. This credit bureau consistently fails to comply with FCRA as they do not properly investigate or verify the accounts the report on consumer credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is constantly adjusting my credit score based on wrong information. I am not 30 days behind on my mortgage and the last report date they have of my mortgage payment is is XXXX 2016. They lowered my score XXXX points for the third time and after the company reported I am not 30 days late.

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