vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My son was in  XXXX   XXXX  working and got a ticket. The truck he was driving was in my name. I have paid the {$90.00} fine and will mail in the morning. The company is Transworld Systems Inc that has been hired to collect this balance. I am  XXXX   years old an d just retired after working 52 years. I feel I have earned the right to be talked to respectfully. I would like for the young lady to be reprimanded that was so rude and disrespectful to me when she called. I have a  credit score  of  XXXX  and pay my obligations and have my entire life. I look forward to an apology at least.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  cell  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days.     The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d  XXXX   XXXX   XXXX    XXXX   ( the serv icer of my mortgage ). There were several discussions between  XXXX  and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts.     It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and  XXXX  was assisting in selling it.     Thank you,  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 monetary relief
Consumer complaint received 2017-04-25 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: NATIONWIDE ACCEPTANCE LLC
State: ID

Complaint narrative:
Upon receiving a credit denial letter from  Nationwide Northwest LLC I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for  " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  XXXX . They responded to my letter stating that they received an electronic application from  XXXX   XXXX , and despite me not applying for credit with this company, and  Nationwide Northwest LLC not providing any evidence or documentation that I did in  fact provide authorization to have my consumer report pulled they are refusing to remove the inquiry.     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws.  I have asked that this unauthorized inquiry be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
To Whom  It May Co ncern, I have reason to believe th at Navient incorre ctly debited my checking account in the amount of {$190.00} on  XXXX   XXXX ,  XXXX . Upon entering my agreement to obtain federal assistance, I was specifically told that my grace period ended  XXXX   XXXX ,  XXXX . I was never notified that this date had changed to  XXXX   XXXX ,  XXXX  and on  XXXX   XXXX ,  XXXX  I received an email indicating that {$190.00} would be debited from my account later on that day. While I understand that mistakes happen, the fact that I was not given the proper notification for a change of circumstance on my account is deceptive and extremely unacceptable. When I contact ed Navient about this matter, the customer service representative that I spoke to indicated that it was my duty to  submit documentation evidencing my full-time status in order for my account to be credited back the {$190.00} that was taken. Placing the burden of investigation of a consumers complaint/inquiry is inconsistent with basic consumer protection law, and as a result, I would like to file a formal complaint against the loan servicing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has  been reporting the wron g 1st date  of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from Navient to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from Navient should not even be on my credit repo rts. Na  vient has also been past the statute of limitations for NY ( 6 years ). For a long time Navient was  reporting the wrong history and balances of the accounts since day  one,  but that was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: ID

Complaint narrative:
Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.

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 2017-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  has been reporting the wrong  1st  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to a ll    XXXX   credit bureaus with no change in it being fixed over the last year. Onl y   XXXX    credit bureau removed   XXXX  of the   XXXX    accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). F or a long time  XXXX  was reporting the wrong history and balances of the accounts since day    one, but t hat was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

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 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: NY

Complaint narrative:
Carter-Young cont acted me via collection letter stating I owed   XXXX   XXXX   a debt.   XXXX   XXXX   sued me over the debt and possession of an apartment I did not live in in   XXXX    . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of   XXXX   XXXX   for possession of the apartment ONLY but did not rule in favor of the amount being sued for  ( past rent, damages, and attorney fees ). I  have sent copies of the judgement to all three credit reporting agencies for proof with  one rem oving the collections  (   XXXX   ). The  othe r two still  will not remove after multiple attempts.  Carter-Young con tinues to report wrongfully as well. Please see attachments for proof.  Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied.  XXXX  removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff  (   XXXX   XXXX   ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: PA

Complaint narrative:
XXXX / XXXX /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
The collection com pany Conserv curre ntly h olds my Federal Student Loan.  I spoke with a representative from the company on Friday  XXXX   XXXX  to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out  of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not   eligible for. I was misled into a monthly payment arrangement that would have only given  Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my   requests with no resolutions.

Company response to consumer: Closed with explanation