vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Services, Inc.
State: KY

Complaint narrative:
I completed a student loan default in XX/XX/XXXX with National Credit services, XXXX XXXX XXXX XXXX, wa XXXX XXXX. Upon completion i contacted the collection agency on XX/XX/XXXX, and XXXX to find out what i needed to do. I was then, on XX/XX/XXXX, only then, informed that the documents recieved in question were not valid. The representative stated i would have to start my default over again for the required time frame. I was not notified in writting, via voicemail or calls that the documents were not valid u til i called in XX/XX/XXXX. 
On XX/XX/XXXX and XXXX i contacted the agency to ask them to report up to date pay, ents made and at that point the representative stated thta i am still in default and am only making viluntary payments for {$65.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been working with Procollect to clear a debt I had and was able to pay it off but they refuse to send me the receipt of payment. I was requesting proof stating I had paid the debt. Contacted them on XX/XX/XXXX and twice before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Incorrect loan amount appears on credit report, no reports of paying on time for last 4 years, no payment of interest on money when payment held in suspense, generating false payment reports than regular payments of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX and had a change of financial responsibility done. I knew there would be a credit check done. I asked the woman at the store if it would be a soft inquiry or a hard inquiry. She told me soft. I told her we can proceed with the process. If it was a hard inquiry I wouldnt have done the change. I contacted equifax and they told me they cant do anything about hard inquiries being removed from my credit report and that Id have to contact XXXX XXXX XXXX and have them send something electronically to equifax. XXXX XXXX XXXX said they dont have the capability to send anything electronically to equifax to have it removed. So Im at a standstill. Neither company wants to rectify this unauthorized hard inquiry that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). 

I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. 

After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. 

This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. 

I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX I received an attractive offer for a Chase XXXX XXXX credit card ( please see the first page of the attachment ). I applied for the card, but Chase rejected my application. The rejection letter, dated XX/XX/XXXX stated Too many credit cards opened in the last two years associated with you ( please see the second page of the attachment ). On XX/XX/XXXX, I wrote CHASE and asked two straightforward questions ( please see the third page of the attachment ) : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS? 
-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS? 
I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE failed to answer my questions and rejected again my application ( please see page four of the attachment ). 
In the rejection letter CHASE also stated information from XXXX was used. I contacted XXXX   and found out the following : The credit score range is 300 850. My credit score is excellent, XXXX! Also, I always paid my credit cards and mortgage on time. 
In addition, I have a CHASE Freedom credit card, since XX/XX/XXXX. CHASE sent me numerous other offers, for loans, and bank accounts. CHASE even asked me to advertise their credit cards to friends ( I did that, and received some extra points for an approved account ). 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. As a consequence, I believe there is a clear pattern, CHASE declines applications because it does not want to honor the bonuses. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have previously sent CMRE FINANCIAL a request to validate the alleged COLLECTION per the Fair Debt Collection Practices Act and all I received was a statement. ANYONE CAN PUT A PERSONS NAME ON A STATEMENT. This does not meet the Federal Trade Commissions guidelines of what constitutes proper collection validation. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. This erroneaus collection information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. CMRE FINANCIAL has also failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe you : Provide me with copies of any papers that show I agreed to pay you what you say I owe along with a signed contract with my original signature between myself and your company.

Provide a verification or copy of any judgment if applicable : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : CMRE FINANCIAL should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if THEY do not immediately delete this account from their records and/or credit report, they are subject to another {$1000.00} fine, plus punitive damages. I'm sure their legal staff will agree that non-compliance with this request could put CMRE FINANCIAL in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I never opened this account XXXX cant contact them its ruined my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
90 day late on credit report. Loans were to be in deferment. Enrollment verification submitted to show enrollment for date of late payment. Still showing on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
90 day late on credit report. Loans were to be in deferment. Enrollment verification submitted to show enrollment for date of late payment. Still showing on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TN

Complaint narrative:
starting on XX/XX/2018 thur XX/XX/2018 i have disputed serveral accounts on my credit report with Equifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. Box XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have thirty six closed Navient accounts beginning with the numbers XXXX that I have requested for XX/XX/XXXX and XX/XX/XXXX months to be reported as not late. It was returned as accurate despite my credit report showing my account was paid on time the previous four months ( see attached ). Subsequently, I requested all thirty six closed Navient accounts removed from my credit reports which was denied and reported as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At the time, I was going through financial hardship. I wasn't making enough money and missed my Wells Fargo Credit Card payment. The company did not work with me which resulted in my credit history being affected. I made the payment a few days late and there was nothing the bank can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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 — Card was charged for something you did not purchase with the card
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have a charge from a city I have never been to. And dont know why my card was charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Good afternoon, I am writing because Credit Acceptance Corp has called me before XXXX XXXX on a Sunday morning to inquire about payment. I had previously instructed Credit Acceptance Corp to refrain from calling and they decided to do it anyway at XXXX XXXX  approximately this Sunday morning. I informed Credit Acceptance Corp to contact me in writing and not my cell phone in the past. I reminded the woman today  and she said she was going to keep calling and calling she did. After blocking out her number, she called from yet a different number. This is harassment and today is Sunday and they are calling outside of business hours. Based on my understanding of the telephone/bill collection rules, the company could be fined {$1000.00} each time for willfully violating collection laws via telephone. 

She called me from the following phone numbers : XXXX at XXXX XXXX CST and at XXXX XXXX CST. She called me from XXXX at XXXX XXXX and called me at XXXX at XXXX XXXX and at XXXX XXXX. 

I paid my XXXX bill one week in advance and I understand that the bill is due on the XXXX of the month and haven't paid it yet, however, that does not give them an excuse to call outside of business hours and call when I've requested everything in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent and negative account that doesn't belong to me. i have notified them numerous times, via mail, via phone and email and they have failed to rectify this urgent issue. they have failed responding within the allowable time frames for disputes like this and they are still not getting in trouble for these violations. they have failed numerous times and this is not the only time with us. my husband worked for XXXX XXXX XXXX and they laid him off with numerous other employees here in our town which made headlines. they had him leave work and didn't allow him to get his personal items.they advised they would mail them to him and never did. this was multiple years ago now and they failed to respond to that after numerous follow ups. they also continually charged my bank account monthly services charges even though we are on XXXX and those fees should be waived as well as receive multiple checks via direct deposit which also waives fees. they are ridiculous and have failed our accounts now multiples times as you can read in what i can fit here, i could go on with more details and documentation i have but there is no time or room for all that. now after multiple complaints they finally refunded our account {$75.00} for the fees they continually charged and shouldn't have but would do it for months for mew and had me call in and continues to worsen my XXXX health which they were also aware of and didn't care. they had the ability to make it right and didn't for months and made me be without, which they seem to like to do. they have violated so many things and i will bring a lawsuit next and class suit for all these multiple violations if they do not once and for all make this right and correct this matter at once and that is to remove the negative and fraudulent credit card account from records of mine as it doesn't belong to me and should have been handled properly years ago. this is out of hand and needs resolution now. im writing to the top of XXXX  XXXX XXXX and agencies that can and will help to resolve this once and for all. maybe it took being the safest city and becoming the headlined city with what has recently occurred in our town so near and close. maybe it was being evacuated and realizing we need to speak out about what is wrong and it needs to be made right and this is this matter. 

sincerely, 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 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bristlecone, Inc.
State: FL

Complaint narrative:
This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.

Company response to consumer: Untimely response