vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS  -  XXXX  and  XXXX    XXXX   AUTO FINANCING *  XXXX   XXXX   XXXX   XXXX  and  XXXX    XXXX   AUTO FINANCING *   XXXX   XXXX     -  XXXX  and  XXXX    XXXX   AUTO FINANCIN G *    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX    XXXX   AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    *   XXXX   XXXX   XXXX   XXXX   -   XXXX   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 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: MI

Complaint narrative:
BROWN AND JOESPH LTD C ALLS MULTIPLE TIMES A DAY, HARASSING MY EMPLOYEES AND DISRUPTING OUR WORK TRYING TO COLLECT A DEBT WHICH WE HAVE PAID IN FULL TO THE COMPANY THEY ARE REPRESENTING WE HAVE TOLD THEM TO STOP CALLING AND JUST SUE US, IF THATS WHAT THEY CHOOSE TO DO, BUT TO PLEASE STOP CALLING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: TN

Complaint narrative:
I started going to  XXXX   XXXX  offic e  X/XX/2015    because I ha d hurt my  XXXX , he said he could help my pain, started going every week, after ab out 2 to 3 mos into  the visits my  XXXX  started to fell some relief bu t my    XXXX   started to go   XXXX   I told him about my  XXXX , he did n't say anything. But as I was going I was paying my bill monthly, {$270.00} as I continued to go my  XXXX  were getting worse, So I knew I needed to stop going to  XXXX   XXXX , I could no longer afford the service. and I was also worried about the fact my  XXXX  getting worse after every visit. On my last office visit I asked if I owned any payment, I was told NO, Everything was paid up until after my next visit. I canceled my next appointment and did n't go back, after a few weeks I received a letter for  XXXX   XXXX   XXXX  for collection of {$680.00}. So I called  XXXX   XXXX   office to  ask why I got the letter,  XXXX   XXXX  receptionist told me they could not talk to me because the bill was in collection, I received some letters from  XXXX   XXXX , then I stared getting phone calls from Law offic e of Charles McCarthy, I expl ained all this to them, but they keep calling after i have asked them to stop calling me. I do n't understand how they can charge me when i was told my bill was paid up passed my next visit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Sectio  n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
When I went to   XXXX   XXXX   XXXX    searched they name and DBA name it came up No records found : Please check your fields and try again.       They call and call and have no Bond to collect in Texas ...     Under  Credit Control Service DBA Credit Collection Service Bond Numbers   XXXX  and  XXXX  is Not Bonded to collect in Texas Amount they trying to collect is $  XXXX  not know this Company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Solutions, LLC (KY)
State: FL

Complaint narrative:
I have requested removal of this paid-off collection and duplicate reporting to the consumer credit reporting agency. They told me, I need to contact creditor to remove. I have written and called them with my dispute to remove since the debt has be satisfied and paid completely. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Signed up for rate reduction program in  XXXX  of   XXXX  . It is for 15 months of automatic payments. Since my account was delinquent I had to pay 3 months in a row in order to qualify for the plan and my account would be brought current. For some reason, there was an issue with the rate plan abo ut 1.5 months into the first three months. I was told I needed to provide my bank account information again, before the end of the three months and that all would be fine. Nothing would change. Today I gave them my bank account information, but I was told my account would not be brought current even though I paid the three months consecutively. They said I would have to pay three more months in a row and I 'd be brought current and the program would be reinstated. I am very tired of Navients deceiving ways to get you to make payments. I paid three months and now my account will   remain delinquent. I do not find it fair that I am throwing away my money for it to just disappear and not be applied to my loans. Something needs to be done. This is not the first time I have had an issue with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
This account has been removed from my  XXXX  file and I 'm having the hardest time having it removed from my  XXXX  and  XXXX  file. There are  XXXX  accounts listed on my  XXXX  and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Friday XX/XX/XXXX, at XXXX, I received an email with a copy of a receipt for a purchase from XXXX for 2 tickets in the amount of {$460.00}. I had never created an account with XXXX, I did NOT purchase any tickets through XXXX and I did NOT authorize anyone else to make a purchase using my credit card. I immediately changed the password on the email account, called the XXXX customer service number and informaed them a fraudulent purchase had been made and using my information. The told me too bad, not their problem I would have to call the bank. I then called XXXX XXXX fraud department and informed them what had occurred. They said I would have to wait and call back after the charge was 'posted ' to my account. At that time I cancelled that card and was to receive a replacement. On Monday XX/XX/XXXX, I called XXXX  once more and opened a fraud dispute. Almost Immediately, I started receiving notifications of my email account being subscribed to well over 100 subscriptions in the XXXX  for  miscellaneous web sites. I have called XXXX customer service and requested the IP addrress and phone number associated with the original purchase and they refuse to give the information. XXXX would not cancel the order and sent an email at XXXX on XX/XX/XXXX indicating the tickets were available for download. I DID NOT DOWNLOAD any tickets, I DID NOT ORDER ANY TICKETS. XXXX 'investigated ' the fraud complaint and sent a letter dated XX/XX/XXXX indicating they had closed the investigation and found the dispute NOT in my favor and placed the charges on my account once more. XXXX has NEVER contacted me about this complaint and the investigation. I have attempted to contact the phone number to dispute this resolution and have been on the initial greeting 'waiting for the next associate ' for 3 days, over an hour each day with NOONE ever picking up the line. I called the extension indicated in the letter and it goes straight to voice mail. I have left my phone number and reason each time with NO response.

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 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC
State: CA

Complaint narrative:
Over the past 5+ months I have received no personal phone calls from Apple Recovery LLC , although I have received calls and messages from multiple relatives such as m y mother, sister, grandmother, and brother-in-law all stating this company is continually calling and harassing them for information about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Investor is Everbank AND Servicer is XXXX. My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime in XX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally on XX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX has its own timeline. On XX/XX/XXXX, which is 30 days later, they sent my file to underwriting. meanwhile I had scheduled foreclosure trustee sale on XX/XX/XXXX. The entire time to this day, my home has been on active sale and marketed thier attorneys XXXX XXXX and XXXX XXXX XXXX, who are not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with bidding instructions of {$500000.00} minimum bid. On XX/XX/XXXX, I was so furious and talked to an employee, who could not explain what was going on, even after consulting with their supervisor. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date. I communicated and wrote to my servicer, to date I can afford my monthly payments comfortably and make my payments on time. I wish to keep my primary residence and will do what ever it takes for my and family and the rest of the tenants. I wish XXXX XXXX the investor to my loan sends it somewhere else for servicing. My home is also located in the XXXX XXXX area declared by Fema on XX/XX/XXXX for the natural disaster floods. This situation caused furthermore financial harm to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On or around  XXXX   XXXX ,  2013, I w as made aware of a credit card opened in my name with several charges I did not induce. Upon calling  XXXX   XXXX , I was given the run around and eventually was told there was nothing they could do. Since then, the account was tossed into collections with a company named  Portfolio Recovery Associates, LLC.  I have since attempted several times to contact them to inform them that his debt was not mine, only to be told otherwise, that I was indeed responsible for it, and even had threats of wage garnishment if the amount of {$390.00} was not paid. I was told today after I called asking for a settlement cost that it would be {$310.00}. As I was about to pay, my wife told me about CFPB and you  may  be able to help. I look forward to working with you to have this taken off my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My private student loan is currently being serviced with Navient. My interest rates are 13 % and 10.50 %. I ca n't get the loan paid down because the interest rates are so high. Their customer service has been completely un-helpful. When I took out the loan I was completely unaware of how much I was taking out, when it was disbursed or where the money went. I had no idea what the interest rates were or how much the payments would be. The interest rates keep increasing and I do n't know why. I have automatic payments set up and I 've been making my payments on-time for several years. I owe more today than when I graduated 10 years ago. I 've also tried refinancing my loans with a different lender but have been turned down on multiple occasions despite my good credit.     I 've been contacted by a organization called  XXXX   XXXX   XXXX  (  XXXX   ) a nd they have told me that they might be able to get some of my student loans discharged because they feel that there has been some student loan fraud on behalf of  XXXX . They want me to pay them {$950.00} in order to put my student loans into  Administrative Deferment  and investigate using their team of attorneys. I 'm skeptical about using this organization because I do n't know if they are creditable.

Company response to consumer: Closed with explanation