vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
it's the same scammers in Georgia Direct Recover Services. There are plenty of complaints online about them and a class action suit was filed in XX/XX/2017 I owe nothing to the company the claim to represent. When I called the number and provided a reference number they left on my voicemail, they became threatening and verbally abusive, just like before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian and XXXX are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, Experian and XXXX is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.

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 2020-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
Honda Finance is trying to collect a " turn in fee '' or a " Early termination fee '' of {$350.00} from me. No where in the contract does it state I will be charged a fee for trading in a lease. On their website which I have screen shots of it say the opposite of what they are telling me over the phone. They have not updated the amount they have collected from the dealership that I traded in the XXXX XXXX into. If I go to my online account they show me owing 2 payments. I have been lied to several times by reps and managers in attempt to collect this money which I do not owe them. When I XXXX  for a XXXX XXXX, I have called in several times and got the {$350.00} disposition fee waved when someone turned in a lease with out buying a new Honda or leasing one. They have told me that they are unable and it would be illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I closed this account in XX/XX/XXXX, in XX/XX/XXXX I received an alert from XXXX  that i missed a payment on this account. so i called the bank, and was told it was a late payment for the annual fee for XX/XX/XXXX. 
I explained that I closed the account in XXXX. I was told no problem they would reverse the charges and clear my records. 
now in XXXX my credit report dropped XXXX points. I called the bank and was told i was missing payments. I went through the whole story and was assured that it would be cleared and that they would clear it off my credit report. 

that has not happened They only thing they did was mark the account paid. they did not delete the late marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
I got a robo call from an Idaho Number suggesting legal action on XXXX sent it to voice mail. I called the number they provided and they claimed a debt from HSBC for {$350.00}. After fight over the phone Im requesting validation of debt and being hung up on multiple times I finally got an email sent with a debt claiming HSBC for {$570.00} however no dates of the debt they would only provide verbal dates of XXXX through XXXX of XXXXThe email also showed an address on file with them that I moved from in XXXX of XXXX. I asked over the phone for validation of debt and provided my current address on XX/XX/XXXX. They said they are not responsible for burden of proof. I called again on XX/XX/XXXX asking for what address I write to gain validation of debt and they said the address in the email. I asked if it was the address of their business I would write to or who owned the debt. I was told who owned the debt. I asked if that was them they said yes. So I asked if they own the debt then they are responsible with burden of proof for validation of debt. They said they are not and will provide that through judge on my court date. They still had my address from 10 years ago on file and had to dig through the notes to see the correct address and county. Multiple times XXXX would hang up on me when I would get confrontational in my questions. Her supervisor Mrs. XXXX wouldnt provide any info and hung up on me. 

The name of the company is XXXX XXXX XXXX with a mailing address of a XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I receive upwards of AT LEAST 10-15 phone calls/voicemails every single day from Sallie Mae, in regards to my student loan bills. Due to the high volume of my medical bills that I am juggling as well, occasionally my payments to Sallie Mae are a TAD late ( tad as in a couple days to a week ), but they are always paid. I am tired of the round-the-clock harassment that I receive from Sallie Mae. My health concerns/disability are my top priority, which unfortunately is not necessarily affordable in America, and the last thing I need is constant XXXX phone calls reminding me to pay what I already am well aware of. Even if I DIDNT have a debilitating disability, the amount of times that good ol Miss Sallie Mae calls would STILL be deemed unacceptable, excessive, and extremely unnecessary. My own grandmother cant even leave me loving voicemails sometimes because XXXX keeps blowing up my voicemail box, and its extremely tedious to repetitively delete all of XXXX hundreds upon hundreds of voicemails that shes left for me. I have wasted MINUTES, I repeat MINUTES, of my life deleting voicemails from Sallie Mae. Wasted seconds I could maybe deal with, but minutes? That just crosses the line. I feel as if I am being stalked and violated by a crazy ex gf that I never had, and quite frankly, I am sick of it. XXXX XXXX. RANT OVER, and thank you for coming to my XXXX Talk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable!  Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
on XX/XX/19 I had XXXX. 
The bill in question was for {$590.00} Total from XXXX XXXX XXXX XXXX It was broken down into 2 equal parts for XXXX XXXX XXXX & XXXX XXXX XXXX for {$290.00} each. 
I made on initial payment of {$18.00} on XX/XX/19 owing {$570.00} while I was trying to figure out how to pay for multiple bills at once from the single XXXX. 
I had at least 6 different bills coming in from this one XXXX, so I put them all on payment plans. The agreement was for at least {$47.00} per month for 12 months and I made that first payment of {$50.00} on XX/XX/19 and another for {$50.00} on XX/XX/19. 
So I now owed {$470.00} I did not receive a bill after that and when I called to find out what happened, they had somehow changed my address to XXXX  ( I haven't lived there in about ten years ). I corrected the address and was assured new info would be in the mail. 
I received a new bill in early XXXX with a statement date of XX/XX/19 and a due date of XX/XX/19, but I had only just received the bill so I paid immediately on XX/XX/19 for {$48.00} bringing balance down to {$420.00} I did not receive a bill in XXXX or XXXX. 
Today, XX/XX/XXXX I opened a bill that reflected the {$420.00} amount due. Statement date XX/XX/19 and due date XX/XX/19. I went online to pay, but my balance said {$290.00} I made a payment of {$55.00} to bring my balance down to {$240.00} and started looking through my summary. 
It appears they were applying my payments only to XXXX  and not evenly split between him and XXXX. 
Even though the payments were applied to XXXX, that was the half that they sent to a collection agency ... with no warning or notice prior. 
When I attempted to contact the listed collection agency, they tried to sell me a cruise and hungup on me. When I contacted XXXX XXXX XXXX XXXX, they said there was nothing they could do. 

So I have a medical debt with a collection agency that i was not warned about, have had no written correspondence with, and when i try to call the number provided by my doctor- they try to sell me a cruise and hangup on me. 

Collection Agency : Chase Receivables XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

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 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was discriminated against and forced to close my credit card because I didn't want to give an email address.I never had a problem until I tried to check my online account and couldn't get to the page for account details. I called customer service on XX/XX/20 and was told I had to enter an email address or I couldn't check my account. The service rep told me to clear my browser and all kinds of stuff I never had to do before then told me that I couldn't check my information if I didn't give the email address. THIS IS DISCRIMINATION! I was never told I had to have an email address to open the account. I want to files any and all charges possible for this injustice. Do not want to give email address to you people either. I have a phone number you can call and leave a message.

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX, I placed a call to Wells Fargo about my account being locked and my card not working. They detected fraudulent transactions and were going to start the investigation. I was given 2 claim numbers for the unauthorized XXXX transactions and was told they would be in touch with me. I had to stay on top of Wells Fargo about this because no one was giving me answers so I ended up trying to call them 2-4 times a week to see what was going on. They all kept bouncing me from department to department each time I would call. XXXX with Wells Fargo claims specialist center left a voicemail asking me to call them back on regards to one of my claim numbers. I had called and was on the phone with several different people over a course of 28 minutes for them to tell me the claims department I was needing is closed but the call refers to them wanting to do " something '' with my account. The lady named XXXX told me to check my online banking app to see a message they sent me. I checked it and it said they were closing my account on XX/XX/XXXX with no explanation. I called back the very next day and was bounced around like a hot potato until I got ahold of a gentleman. He then told me Wells Fargo did not want a relationship with me but when I asked why he would not give me an answer. He then said they had to terminate my access to my online banking and would not give a reason for that either. I went down to the Wells Fargo in XXXX, NM on XXXX XXXX XXXX to pull my money out of my account before anything else happened to it or before the bank could come up with some reason I couldn't withdraw MY money and closed the account myself. I called the LP ( loss prevention ) department on XX/XX/XXXX and asked them why and the answer I was given was it was a " business matter '' and she couldn't give me anymore information.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I paid Experian to protect my personal information and they had a data breach me and children socials emails and etc were exposed i want to sue please help

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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against gc services debt collector. This debt collector has reported derogatory information on my three credit reports for a debt in the amount of {$2000.00}. This account just appeared on my credit reports without sending me a dunning notice in the mail, which gives me 30 days to dispute validity. This is a violation of the fdcpa/fcra. I have never had an account with XXXX, I've been with XXXX  my whole life. So I don't understand why this company would report derogatory information without contacting me first. I am in the process of purchasing my very first home for my family and I, which this errounous account is now holding me back from accomplishing my dream home. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if this account isn't removed immediately. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
Settling a complaint that was filed against me in the XXXX Judicial District Court of XXXX County, State of Utah, XXXX XXXX Department. Case : XXXX, Judge : XXXX Plaintiff : XXXX XXXX XXXX XXXX   Attorney for the Plaintiff : Gurstel Law Firm , P.C . 
Phone : XXXX File : XXXX On or about XX/XX/2019 I spoke, over the phone, with Gurstel Law Firm, XXXX XXXX About a settlement. I made an offer and she said that she would submit it. 
She called me back on the morning of XX/XX/2019. With a different settlement offer from Gurstel Law Firm of {$7500.00}. To be paid in monthly payments of {$310.00} for 24 months. 
I agreed to it. Received a stipulation of what was discussed. I signed and returned it via mail on XX/XX/2019. 
After not hearing back from Gurstel, and wanting to insure that the issue was resolved. I went to the court house and looked up the case. I'm including a copy of what I discovered. The settlement amount was changed, After I signed the document, to read {$11000.00} This is a two page document. I signed the back page. Then the front page was switched out to reflect a much higher amount. Then submitted to the court. 

Please compare the quality of the printing of the front page to the back page. They're obviously from two different documents. Pieced together. 

Notice how the required payments of {$310.00} X 24 months = {$7500.00} {$310.00} does not come out evenly with {$11000.00} ( {$11000.00} Divided by {$310.00} = XXXX Months I'm withholding payments until a resolution is reached through either your office, or the court after Gurstel Law Firm reopens the complaint due to noncompliance. 

Can I get a copy of transcripts from my conversations with Gurstel Law Firm?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and Transunion are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, XXXX and Transunion is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PLS GROUP, INC
State: IL

Complaint narrative:
i use a debit card from PLS check cashing. if i use credit, i am not charged a dee. if i use debit, wwhich they advise is used by entering your debit pin number, i am charged a fee. because i know this, i limit use of debit, and have merchants run it as credit. 

whaats happening now that ive noticed, is when i use XXXX/XXXX  for transportation, i get the charge for the ride, then, there is an increase of that charge. i called the bank, PLS, and reminded them the contract states by entering your pin number, you subject yourself to a pin debit charge, not by using credit. creddit is when u dont enter your pin number. i am not entering my pin number when using XXXX/XXXX  services, but they are charging me as if i am. once i caught this and told the bank, not only are they unwilling to credit me ALL those extra fees since im not entering my pin number, to maintain the expectations of the contract, but they are telling me to expect that when using XXXX/XXXX, no other company i am aware of so far. so they jusst changed the contract to me, and that ability to avoid debit fees by not entering your pin, applies everywhere except XXXX/XXXX, then i guess whoever else they decide at anytime? this doesnt seem as true, clear, concise or legitimate.

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