vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jason A Craig, PC
State: GA

Complaint narrative:
The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}

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 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My bank charged me excess fees far exceeding the number of transactions that caused my account to be over drawn. On The Date Of X/XX/17 Per My Book Keeping And Online Account Info I Had One Transaction That Caused My account To Be Over Drawn In The Amount Of XXXX. Previous To That My account Was In The Positive. However My Bank Charged Me 3 Additional fees For Transactions That Left My Account In A positive. Totalling An Additional {$100.00} Unnecessarily. I called a rep who was unable to help me. I asked for a supervisor who in turn refused to resolve my issue.

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 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: MS

Complaint narrative:
I ca n't remember the date right off hand but the company took XXXX from me saying I had unpaid prepaid card bills they would call me unknown saying they need money for unpaid bills this the other week they called saying I would have to send money for unpaid prepaid cards I do n't understand why would they take from me!!!! I thought prepaid cards was free

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 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I was offered 0 % APR for 12 months and a 3 % fee on balance transfers, which promo was ending onXX/XX/XXXX, so I transferred most of my credit cards that high interest including XXXX card. Now my XXXX bill cycle generated and now it 's charging me almost {$50.00} of interest, so I called them up and ask them why is there an interest it should be no interest at all. They said because XXXX is not part of that deal. They asked how did I do the balance transfer, did I talk to someone or did I transfer it online myself, so I said I did it myself, so now they 're claiming well it 's not part of The 0 %, so I explain I did try to call them but every time I called them but its always more than half an hour wait or hard to get through someone, so after talking to this lady she put me through her supervisor and she said that no there 's nothing we can do, or the only thing you can probably do is you can call XXXX and tell them to put it back on that account, then put it back on our account ( XXXX XXXX ) but there 's no guarantee that you 'll get this 0 % again, so What 's the point of even trying that, she 's no help, so when I said I need to speak with someone that 's higher than you she said there is no one else higher than her and she is a supervisor. That she is the Senior Acct Supv named XXXX # XXXX. I still have the email that shows that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independent Recovery Resources, Inc.

Complaint narrative:
I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their credit report.

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 2017-09-06 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: NJ

Complaint narrative:
I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
This company allows loans to be modified without all borrowers knowledge. The deed was swindled out of one owner and the company changed the terms per the deed but wont release the other party who had no knowledge of changes from financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : XXXX : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} TransUnion : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}

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 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
They sent me a letter with some information that is not correct like my DL # that was stolen of lost. The correct number was XXXX.Also with a car I did n't never own.
The address is incorrect also.The address XXXX XXXX XXXX, XXXX, SC I have never live there.The phone number I do n't have any ideal about this phone number ( XXXX ) XXXX.I have a copy from the last time I file a Complaint with the CFPB.
That this account was deleted from the consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: AZ

Complaint narrative:
Creditor tried to contact me by calling my boyfriend, whose number I never gave to the company. They tried asking him personal information about me that included my date of birth and SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CA

Complaint narrative:
On XX/XX/XXXX_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report.
This is a violation of both the FCRA and FDCPA Sec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
Ok so I purchased a vehicle in XX/XX/XXXX of 2017 and was financed with Consumer Portfolio Services. Everything seemed fine, and admittedly I was late making the XX/XX/XXXXpayment partly due to difficulties trying to pay them via phone. I decided ultimately to pay the bill by check through the mail. In XX/XX/XXXX a check was mailed to CPS. I never received any sort of correspondence from CPS regarding not receiving payment nor a bill for the month of XX/XX/XXXX. I was going to send a check for payment of the month of XX/XX/XXXX and then woke this evening to find that the vehicle was not in my driveway. I attempt to call CPS upon this realization and can get no actual person other than a recording. I then access the companies website and access statements sent to me and find that the only thing sent to me according to their website is the bill fore XX/XX/XXXXand nothing else. I have received no phone calls, no further mail, no email and they do have my contact information both personal and work. All attempts to contact CPS have been exhausted as this is sort of an emergency due to the fact that I do have medication inside the vehicle that was just filled yesterday and I have no way of getting it replaced due to law. No attempt was made to afford me the opportunity to retrieve personal belongings from the vehicle which I am especially bitter about. I then find that their website shows that my account was not credited for payment sent in XX/XX/XXXX. After further research I found that this is not an isolated incident and that this sort of problem seems to be rather normal for the company 's operation. I have also submitted a complaint directly to the company but have n't heard anything from them regarding this. The complaint was submitted today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
The XXXX urgent care was bought out by XXXX hospital and they sent my debt ( XXXX dollars ) to the XXXX agency and when I found out I owed money I paid it but it was on the 30 day mark and the Wo n't call the collections agency to stop contacting me, I 've spoken to both the hospital, XXXX and collections and they keeping me running around in circles so that I have to pay a late fee, it 's all a money game and I do not wan na play, I pride myself on not oweing anyone money and I do not want this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
Coast Professional, XXXX, LA contacted me by mail. Late XXXX, 2017. They back-dated the letter, and every one since. I have seen/heard nothing about this in 12 yrs. Now - big hurry, garnishment & more threatened ( in cloaked language ) and they are railroading me. Blizzard of mail. From FSA too ; a gov't agency!
Now : they failed to send a LEGIBLE copy of the Note. They both mis-represented, grossly, my right to dispute ; and seem not to want to allow me to do so. Coast & FSA too omits to tell me of options that I may/do have - and send me the wrong dispute form. They ignore my questions ( few & germane ). Wo n't give me time to dispute, in essence. Treading on my rights. They under-credited me for payments made ( I have documentation ). They allege an inflated total, therefore. They both say they can get a 20 % commission, by law, to collect. In fact the maximum is 18 % - yet they state I " will be required to pay 20 % '' to them. Over {$5000.00} - motivation for them to press me hard and in short time frame. My supporting documents are ( 1 ) I ca n't transmit them online from this terminal I have no USB camera/phone ( 2 ) some are in storage 300 miles away ( 3 ) my letters in response to theirs - same as ( 1 ) above. Snail mail seems to be my only choice, so far. Any suggestions? XXXX go ahead & email me. Nothing to hide here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I chatted online with a Capital One supervisor, XXXX, today X/X/2017 at XXXX 2 screen shots of this chat is attached To ask why I was charged interest on my last 2 statements ( XX/XX/XXXX& XX/XX/XXXX ) where I had paid more than the last statement balance due. 

His response is because I did not pay in full the last statement balance for XX/XX/XXXX which was due by closing of my billing cycle XX/XX/XXXX. This is correct due to the XX/XX/XXXX holiday, I was late & payment was made on XX/XX/XXXX. 

Therefore, it is their practice to then charge me interest for 2 consecutive months regardless of paying the total last statement balance both months because they removed the standard grace period. 

Is this legal, It does not seem fair or justified and confirmation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives

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 2017-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.

Company response to consumer: Closed with explanation