vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My car was repossessed illegally by Capital One Auto Finance on XX/XX/2018 during the night. In fact without notice of late payments or warning of repossession, Capital One Auto Finance came and picked up my car in the drive way. I had appointment that morning and could not find my car. I was about to go to the police and let them know that my car was missing, when my friend advised me to call the bank, which I did. And I found that the car was repossessed. I tried to argue but I needed my car. I asked them the amount I owed them and they told me {$490.00}. They also told me that when I go to get my car I would have to pay {$35.00} storage fees. I did pay the amount due of {$490.00} on XX/XX/2018. I went to the Capital One local branch and my friend to another local branch to make the payments ( XXXX  and {$300.00} ) the same day. Capital One also told me as soon as I make the payments to the local branch to call them so that they could verify the payment and send an electronic message to the place where my car was stored. I did call them and was told to wait 10 minutes, before calling the XXXX XXXX. I called to get my car back, but could not get XXXX XXXX XXXX XXXX on line. They were close for the day. I went to XXXX where my car was stored, paid the {$35.00} on XX/XX/2018, after waiting for several hours in the cold, rain, and wind, because the car was not in XXXX, and was still in transit I was told. I received a certified mail from Capital One auto Finance on XX/XX/2018 around XXXX XXXX. It was a notice of Sale and Right to Reinstate & Redeem. I have received also the same day (  XX/XX/2018 ) the records of my payments that I have requested several weeks ago. 
On XX/XX/2018 I have received my bank statements, and strangely I found an unjustified Repossession fee assessed of {$370.00}. I called Capital One Auto Finance, and the first person I spoke to, told me that she could not see that amount on her screen of the computer. I was transferred to another person who told me that the fee was the storage fees. I told him that I do not agree, and this was an abusive fee, and we did argue. I told him that I am going to report this to the consumer Agency. 
My monthly payments is XXXX, I was told that I did not make a payments for 90 days ( XXXX x XXXX = {$730.00} ), which is not true, and I was asked to make a payment of {$490.00} to get my car back. 
My complaint is about illegal repossession of my car, and unjustified fee, and mistreatment. I am asking compensation for mistreatment and removal of unjustified fee. 
Please find included : 1/Vehicle Release statement 2/Payments made on Capital One branches and XXXX for storage fee 3/ Monthly statement 4/ Notice of Sale and Right & Redeem page 2 & 4

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: FL

Complaint narrative:
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$2100.00} collection dept on my credit report at which time, I pulled my own credit report and saw the amount was being reported by Capital Accounts. 

Later, on XX/XX/2018, I disputed the amount in collections and the Collection agency as I had not received any letter or contact from them regarding the debt. The disputes were made online with all three credit bureas : XXXX, XXXX, and XXXX. I asked that the debt balance be removed and/or shown as a charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Unisa, Inc
State: MA

Complaint narrative:
I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. 

It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. 

Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
Repeated calls from the same company but using different numbers. This has been going on for over a year or more. Many times 2 or more times a day. 

Universal Credit Services I have put a couple months of calls. I have tried to get copies of Cell Service bill from XXXX XXXX XXXX but they say only with a subpoena XX/XX/XXXX - -XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX 3 times on this day with this number, XXXX XX/XX/XXXX - XXXX 2 times this day with this number, XXXX 2times, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX, XXXX 3 times this day with this number XX/XX/XXXX -XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - -XXXX, XXXX, XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX 2 times this day with this number XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. 

Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NV

Complaint narrative:
I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. 

In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. 

I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. 

Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I referred my friend to apply the AMEX Gold Delta SkyMiles credit card through the link on my account page online. The referral bonus was XXXX miles. Usually the bonus would arrive in several days but I had not received until XX/XX/XXXX so I contact the AMEX representative online and was told it might take 6-8 weeks to get the bonus. I referred another friend in XX/XX/XXXX and got the referral bonus XXXX miles quickly this time. From last XX/XX/XXXX to this XX/XX/XXXX I contact AMEX representatives online for many times and each time I was told to wait for 6-8 weeks until they would finish the investigation. However when I contact them again today, I was told my reffer bonus offer was not XXXX miles but was XXXX miles per referral! Because I received XXXX miles already so that I would not get any more! I can't believe they told me this! During previous contact online I told the representatives my offer and I also copied the offer from my acount page it was XXXX miles from last XX/XX/XXXX to XX/XX/XXXX. I also told I thought the XXXX miles I got in last XX/XX/XXXX was for my referal in XX/XX/XXXX because my friend applied the card in XX/XX/XXXX got her open account bonus but the one applied in XX/XX/XXXX did not get his open account bonus either! Many of my other friends got the same bonus after they referred successfully from the end of last XX/XX/XXXX to this XX/XX/XXXX. I have been wating for about 5 months and because the refer bonus is not XXXX now that they said my refer offer was always XXXX. I can't trust them any more. That's why I ask CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Dozens of calls. I have no debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Auto has flagged my credit as a charge off with a XXXX balance stating that I paid less than the original contract when I paid what they told me was owed. The dates for this account was XX/XX/2011. This company never noted the good payment history stating that I was just the co-signer, but always reports the negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. Equifax, XXXX   and XXXX  is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

Company response to consumer: Closed with explanation