vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ

Complaint narrative:
Thru a company  called    XXXX   XXXX   XXXX  , the y negotiated an amount that was smaller than what was owed to  XXXX  or  XXXX   XXXX   XXXX  and I was able to pay off the agreed u pon amount in 4  payments in  XXXX  in the time stipulated. I also received new credit cards from   XXXX   XXXX   XXXX   with the account numbers that were never activated or used that I still have in my possession attached to the  XXXX   XXXX  package that indicate previous account ending  XXXX  new account ending in  XXXX  valid thru  XX/XXXX . Payments were received, no new transactions took place an no payments were returned unpaid. This was clearly an entrapment to void the agreement and when this did not occur they decided to wait in hopes that I would not have documents to prove what actually took place.   I received a summons in  XXXX   XXXX  indicating that the balance of the original amount was due thru the law company of  Blatt, Hasenmiller, Leibsker &amp; Moore LLC  representing    XXXX   XXXX   XXXX    who apparently bought the loan from  XXXX . I believe under FDCPA my rights have been violated by deceptive and false misrepresentation with regards to modifying the card number to collect a debt that was agreed upon previously. I have provided the relevant information in the allotted time and the above mentioned lawyers are still pursing this thru the court system despite the fact that I received a letter from    XXXX   XXXX   XXXX    indicating that they may report the account as charged off to reporting agencies. Ho w can one com pany accept a payment, then a second company buys the debt and comes after you again. I believed that this debt was paid in full and should not have to go thru this anguish with these large corporations with  XXXX  behind them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SXXXX COLLECTIONS # XXXX XXXX , MN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$450.00} Date Updated : XX/XX/XXXX Original Amount : {$450.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due XXXX {$450.00} XXXX Pay Status XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : XX/XX/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 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Apex Resolution Group LLC
State: GA

Complaint narrative:
The claimed debt is in my husbands name. They told me they can call any number that is " attached '' to a search they did on him. When I told them that his credit report shows nothing about an unpaid debt, they said that was because a group of atty 's bought it. I told her she was a scam and hung up. She called me right back, laughing and saying they would continue to call me and that because of my rudeness they would be immediately filing court papers. My husband has asked them numerous times for documentation on the supposed debt. He has a credit rating of almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices 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 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble opinion.

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 2016-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PW

Complaint narrative:
We currently have XXXX mortgages with Wells Fargo that are VA loans : Property # XXXX is in the process of a Deed in Lieu of Foreclosure and Property # XXXX I am attempting to do a loan modification for to retain it as my primary residence. This process has been going on for over 18 months. I am having trouble with Wells Fargo in completing this. For property # XXXX, they required an occupancy inspection last XXXX and they were going to pay for it. The inspection was done but they did not pay for it I finally did in XXXX XXXX and sent them the report to finalize the process. In XXXX XXXX, they said they could not complete it due to a lien against the mortgage. They gave us the info and we contacted XXXX XXXX. They did not have a lien against that property and it was a hassle getting it straightened out. In XXXX, they send a letter saying they will have a resolution by XXXX XXXX and then another letter stating they 'd have one by the XXXX of XXXX. The loan modification for property # XXXX is in limbo until Property # XXXX gets resolved. I applied for a loan modification last year, paid a monthly forbearance from XXXX XXXX until XXXX XXXX. The one for XXXX was sent back and I was told that it is in Foreclosure status. I spoke to a representative that said to reapply for the loan modification. My issue is that I speak to different representatives, leave messages with no return calls and am disrespected. We have done what was asked of us by Wells Fargo and are led in circles with no resolution. I was told that I was safe from foreclosure on property # XXXX until property # XXXX gets resolved. The financial hardship began in XXXX when we divorced and I retired in XXXX XXXX from the XXXX XXXX. Property # XXXX was being rented until the tenants did not pay their rent and we could not afford to pay it for a period of 12 months. We had mortgage on property # XXXX, which was the primary residence of my ex-husband, and I was paying living expenses while XXXX. 
In XXXX XXXX, we receive paperwork stating that we have to do the process again to request a Deed in Lieu of Foreclosure for property # XXXX. This was at the final stages prior to them telling that there is a lien when there is n't. 
For property # XXXX, I am told to submit paperwork, like paystubs, request for mortgage assistance and XXXX to see if there is any financial changes. Nothing has changed, I am just waiting for property # XXXX to get settled in order to have my loan modified in my name. They also charged the lawyer fees to my delinquent payments that are in excess of {$1000.00} when it was them that hired the lawyer. 
I appreciate your assistance in aiding me keeping my home and for dealing with the sticky red tape with Wells Fargo.

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 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: KY

Complaint narrative:
Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Debt was paid and on the credit report its stated that its a joint account responsibility and that 's inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In the summer of   XXXX  , I was  XXXX   XXXX   XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with   XXXX    Victoria Secret c redit cards. I regularly used and still have to this d ay, one of  the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any  Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it  may n ot have been 100 % the fault of a young  XXXX   XXXX   XXXX  who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue  XXXX  of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my  XXXX  professor,  XXXX   XXXX   XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my  credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in   XXXX   XXXX    , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I receive d a letter last fall a dvising that my credit card account was being closed due to inactivity, which was great, because I was getting ready to call and cancel my  Chase Sapphire Visa  anyway. It had been nothing but problems and hassles and hidden fees [ like additional charges for paying off certain types of bills with your credit card - they likened it to taking a loan or gambling! That does n't even make any sense ] since I signed up for it and that was now  one p hone call I did n't have to make. I had already quit using the card, paid it off, and made sure to use/transfer all of my rewards points. Well, I notice an email abou t three weeks ago about a bill being due from Chase, which I found odd since the acco unt was closed. Lo and behold, I  see they have charged me annual fee on a card I was under the impression was closed, as well as interest charges. I have been speaking with their customer service reps via email for 3 weeks now ; it took forever to get any kind of real response, and they are stating that because the charge is from so long ago [ i.e. two months ] that they can do nothing to remove it. Well, the card SHOULD have been cancelled, and I 'm sorry, I do n't dig through my promotional email folder in gmail typically looking for things from closed accounts. They did finally formally close the account, but are still demanding I pay them the annual fee on a closed card [ which ALSO makes no sense ]. I asked to b e escalated to a higher supervisor and am still being told that NOTHING can be done. I am awaiting one more response, and have now threatened a BBB complaint as well as openly complaining about them on social media. I am hoping that contacting the BBB and you all will help. I know it 's only {$110.00} but it 's {$110.00} they do n't deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This complaint is for re-open the  Case nu mber :  XXXX .   It 's more th an three  months now. I still did n't receive my  XXXX  repaid card.

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