vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Enterprise Systems, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.

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 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.

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 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust bank has stolen money by assessing charges not needed on the account. I have a Business checking and on XXXX/XXXX/2016 a deposit was made of XXXX however, the bank took all my money claiming I owed fees. The account had a beginning balance of XXXX. It is a new account that I reopen because I have a small business. I delayed from having any real activities because I have been violated by XXXX bank and XXXX XXXX involving thousands of dollars in bank fees and over draft supposedly. However if the balance was XXXX and I spent XXXX how is it possible for a XXXX to be attached to me and furthermore how is it possible to accrue a fee at all XXXX than the XXXX maintenance fee for not having XXXX in the account. secondly there was another charge of XXXX and another fee of XXXX was added. The bank took all of the XXXX and justified it off of bogus charges. I did get fast cash back off of XXXX understanding a fee would be attached. I also was expecting and still expecting a large amount social security to be deposited in my account. when I asked the bank to pay XXXX XXXX they did not pay and charge me a fee of XXXX when their is a XXXX-card logo that could decline the transaction. I was charge another extended fee {$76.00} which was not discussed during the banking process. So all my money is gone. I also have had issues with my accounts in the past and the and the bank has been robbing every since please review these personal not business accounts which the branch manger did not give me. however, once you do your investigation. please investigate all history with this company and I am convinced that they have made me pay the bank a substantial amounts of money so I can keep my name clear from and fraudulently or what appears as fraud to myself. Personal I asked for my business account to the GM did not want or said he could not give me those even though my matter was dealing with a business account. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX My telephone number is XXXX and my email is XXXXXXXXXXXX. I have been a victim of fees. I have also been a victim of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This company has attempted to collect a debt from me that I do n't owe them. I never established a contract with this company and they are in violation of the FCRA because they reporting negative items onto my XXXX report. And my name has been slandered. for accounts # XXXX # XXXX # XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ

Complaint narrative:
Two ( 2 ) working days before my closing date, my Mortgage Lender, Jersey Mortgage Company, changed my interest rate from 3.625 % to 5.125 %. I requested a complete verification of such impacting change ( over $ XXXX over the course of the loan ). But Mortgage Lender was not willing to correct the issues. Only a small credit was issue ( {$690.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: DC

Complaint narrative:
My account with XXXX XXXX is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and XXXX XXXX but got no where. I am attaching all document for your information.

Company response to consumer: Closed
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: CT

Complaint narrative:
I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: MO

Complaint narrative:
I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
XXXX purchased my loans from sallie Mae. Now at least 1 to 2 years later we receive a call to start paying on some that they do n't even own any longer. From what I 've read regarding sallie Mae, sadly I think my son and I are in for a misery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I called American Express ' ( aka AmEx ) customer service to see if I could cancel my XXXX AmEx card and apply the fee ( {$190.00} ) towards the regular Platinum AmEx card. The customer service rep told me that if I bought the regular AmEx card with her on the line ( a {$450.00} fee ), she would refund me the XXXX AmEx fee afterwards. I agreed, and bought the regular Platinum Amex. The *only* reason I bought the platinum AmEx at that time was because I thought I would get the Delta card fee reimbursed. As soon as the transaction had gone through though, the customer service rep informed me that she would not actually give me the full refund. I hope CFPB will look into American Express 's making fraudulent statements to get people to buy their credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was fraud on my credit cards but they refused to listen or remove the balances. Now I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
CFPB entered into a consent agreement with Midland Credit Management ( MCM ), which MCM is now violating. MCM agreed to stop attempting to collection efforts and made settlement restitution in some cases but has resumed collection efforts. This was a phony claim to begin with. My claim number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Credit card was discharged in Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a call from Transworld systems this morning and they are trying to collect a debt from someone who used me as a reference. The person is my son, XXXX XXXX, but he does not live with me, nor does he even live in the same city. They chose to give me his name and tell me what they were trying to do. My job experience is credit and collections and I already know of XXXX violations that that they have made?? Calling a 2nd party & discussing that persons acct. I see where they have already been sanctioned by the FTC but that does n't seem to bother them? There are multiple blogs on the internet in re the same thing.

Company response to consumer: Closed with explanation