vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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: LA

Complaint narrative:
On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX  & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Continued calls - spoke to them once and they could not give me the proper information. I explained I had settled all this before and they said there are now late fees and interest and if I agreed to pay today it would be settled. Scare tactics to get money from people.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
The attached collection notice was uploaded to me on a previous complaint. This notice was never sent to me. It is a false statement the company is making that this collection notice was ever sent to me. They had 30 days to send me a written notification of the debt, which did not happen. As well, I requested a validation of the debt to be provided and 30 days to respond to the validation request. This request was never fulfilled. 

Attached is the lease documents that the company provided in my last complaint to the CFPB. With these documents they claim that the debt is validated. Where in the documents are my lease break terms or any information pertaining to the validation of the debt? There is no documentation proving that this is a valid debt nor have they validated the debt. It is a fraudulent debt and any attempts by myself to clear this up with the company or Hunter Warfield has been met with responses related to, " We don't care, pay us. '' To say this is a proper way of handling a debt collection from beginning to end would be far from the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
This complaint is regarding my online baking with Citizens Bank ( Citizens Financial Group , Inc. ). I am using my online baking bill pay feature to pay a credit card bill at XXXX XXXX. The Citizens Bank bill pay feature allows you to enter an " Amount '' to pay  and a " Deliver By '' date. On Monday morning XX/XX/XXXX, I entered the " Amount '' of  {$3200.00} and the " Deliver By '' date of XX/XX/2018 and submitted the payment. After the payment is submitted I received a confirmation page indicating that the payment was scheduled for a '' Deliver By '' date of XX/XX/2018. 

The due date on the XXXX XXXX CC was XX/XX/2018. On XX/XX/2018 I noticed a late fee from XXXX XXXX in the amount of {$32.00} as well as {$51.00} in interest ( I pay the full amount every month to avoid interest ) and called XXXX XXXX. They stated that they did not receive the check from my bank as of yet. The waived the late fee and asked that I check back in a day or two as maybe it was in transition. 

On XX/XX/2018 I checked my online baking and it stated " Check # XXXX was mailed to XXXX  XXXX Credit Cards for receipt byXX/XX/2018 '' however XXXX  XXXX still did not receive the payment. I then called Citizens back and they stated that the check was sent out, possibly on the XX/XX/XXXX and that it was the US Mail who did not deliver it yet. 

My complaint is directed at Citizens deceptive wording on when the check is delivered. Using the words " Delivered, '' " Delivered By '' and stating " Check # XXXX was mailed to XXXX XXXXXXXX Credit Cards for receipt by XX/XX/2018. '' are inaccurate. Because of this I incurred interest and a possible late fee not to mention a hit to my credit history. 

Additionally when I called Citizens Bank and had to wait 26 minutes on hold for someone to speak with, they started to tell me that the word " Delivered '' and " For Receipt '' means it could have been mailed or sent electronically from the bank on that date and that XXXX XXXX would not receive it for 3-5 days however they didn't seem sure themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2017 I was in a car accident with my family. The truck was only one year old and the at fault driver 's insurance declared it a total loss. The insurance company made a payment in early XX/XX/2017 ; however because I did not have Gap Insurance, there was a residual amount due. The whole process was very confusing, and I do not recall receiving guidance from Bank of America on how payments were to be made once Insurance made the bulk payment. I was under the impression that with the insurance company making a payment in XX/XX/2017, I did not have to make one in  XXXX and could pay off the residual amount the following month, which I did within 30 days of the XX/XX/2017 due date. Because I did not make a separate payment in XXXX, I was turned over to the credit bureau ( with the loan fully paid off ), even though I was a customer in good standing and never made a late payment prior to this situation. Reporting me to the credit bureau has tarnished my credit report and impacted the interest rate on a recent purchase I financed. I feel that Bank of America should have been more understanding with the situation I was going through ( i.e. the accident, dealing with a pile of medical bills and communications ) and at a minimum tried to contact me via phone or email to make sure ( i.e. positively confirm ) I understood my responsibilities as a consumer. I feel like they took advantage of the situation and am very disappointed as a consumer.

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 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Wakefield & Associates. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2018 I sent a direct dispute to XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

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 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XXXX XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is  extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened this pre-paid credit card and opted for paperless billing. I never received a statement and only found out I had an outstanding balance when they reported me 30+ days late and it appeared on my credit report. 

I called them and told them I had never received an email statement notification. They asked me to verify my email and when I told them it was XXXX they told me that there was a known problem with their emails not going through on XXXX. So I immediately changed to another email address and am now getting the statements. 

I asked the rep if they would take off the 30 day late as I never received a statement and they knew XXXX was a problem. I was told that it was my responsibility to be checking online for my statement and as I had agreed to paperless billing they would not change it. 

I feel this is unfair as I would have immediately paid my bill had I received a statement and they were aware of the issue with XXXX. As I had recently opened the account and had never received a statement, I did not realize that I had not received one. 

I believe in light of it being a new account and them knowing that XXXX was not delivering statements consistently they should remove the 30 day late. I spoke to 2 different people who flatly refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to a XXXX ( gas ) station ( private label credit card ) and was not able to get gas for my car. When I called their customer service number to discuss the issue ( XXXX ) I was alerted this account was closed. I asked when and why this account was closed since I have been a customer since XXXX. The account rep told me the account was closed in XX/XX/XXXX due to inactivity. Then I asked if they could furnish me with proof that I was alerted that the account was " in danger of closing due to inactivity ''. Furthermore, I also asked if they could furnish me with proof that I was alerted that the account was " closed due to inactivity ''. The account rep could not because as the customer I was NOT alerted in any way, shape, or form. I believe this is in clear violation of my rights as the account owner, not because the account was closed, but because I should have been made aware of the account closure either before OR after. None of which took place. Please hold this financial institution accountable for acting fraudulently.

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 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MA

Complaint narrative:
I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had an account with Citi Bank. Around 2017 I received email notification to fill out a form if I was erroneously enrolled in a credit protection plan without my authorization. 
I filled out the form and submitted it electronically via the link provided by Citi Bank in the email. FYI - I no longer have a City Bank account. 


Earlier this year I received a letter ( attached ) from Citi Bank claiming that a check was not cashed. I did not receive the check that was allegedly sent to my condo. I filled out the new form provided by Citi Bank, advising where the check should be resent. 
I have not received any further information from Citi Bank. I know at least one other entity ( XXXX XXXX XXXX ) that received the same letter from Citi Bank, then followed the instructions and did not hear back. 


Calls to the number provided on the City Bank letter have proved futile as the customer service agents have no knowledge of the matter and/or the letter.

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX, XXXX is nothing more than a bunch of crooks, this debt they're trying to collect, is so old, older than the statute of limitations. 

They never ever sent me a debt letter, giving me 30-45-days to review or dispute and ask for validation, I never knew this was even on my credit report until within the last several weeks, I emailed the CEO XXXX XXXX and he has ignored all my request. 

I had an Attorney sent me some information about how crooked this Business is. 
which is owned by Encore Captial, the Attorney sent me the 60-pages of  documents where they were sued by the Consumer Financial Protection Bureau for the exact things, they are doing to me. https : //files.consumerfinance.govXXXX This crooked Business will stop at nothing, They settled with the CFPA, but still breaking the same laws. claiming I owe them money for a credit card debt. 
this is insane, and they not once send me a debt letter, maybe to a third party which is illegal, but not to me, I ask for proof, such as a certified return receipt. 

But again CEO XXXX XXXX ignored all email request. I demand this illegal debt be removed from all three credit reporting agencies right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: HI

Complaint narrative:
This is a debt that was from my late husband. The credit card was in his name only. After he passed away, I closed his account. The credit card company started calling asking me, relentlessly, asking when I would be able to pay. I explained that this was my husband 's card only, he's deceased and I do not have any money to pay for a debt that wasn't from me. They refuse to resolve the issue. Instead they sent a letter in my name saying they were giving me a {$100.00} to my account due to an error on their part. They changed names on the account. How is this action legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is regarding inaccurate information on my credit report being reported by Experian. Their report contains inaccurate names, social security numbers, addresses and old accounts that were closed and are being shown as open. Certain accounts are from XX/XX/XXXX and were paid and closed in XX/XX/XXXX. I've disputed the inaccuracies before they have not corrected the 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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I discovered fraudulent activity on my Sync/ JC Pennies account XX/XX/18

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