vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good

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 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We were charged for 2 different bogus amounts from something called " XXXX XXXX '' first onXX/XX/17 for {$280.00} and for {$240.00} by CitiCards. They were informed that these were bogus charges, credited us and then claimed that there was " proof '' that they were legitimate charges and then recharged us. 

" XXXX '' is apparantly a XXXX website that is all in XXXX letters -- neither read nor spoken by us! 

I've called and written them but I don't know what else to 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 2018-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: ECMC GROUP, INC.
State: FL

Complaint narrative:
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX credit card with XXXX XXXX. 

-the bank changed the monthly due date from the XXXX of the month to the XXXX of the month without informing me. 
-charged a late fee ; even though the payment was submitted on time using electronic funds transfer ( inter bank ) which my bank does within one day - I have electronic confirmation. 
-when called to get a refund of the late charge, only a partial refund was creditied. I was not informed of a partial refund and was told on the phone that I would receive a full refund of the late fee -daily interest was incurred on the remaining balance of the late fee - when payments were made, none of the funds were credited to the revolving balance. Only credited to non revolving balances. 
- when called to inquire about the charges, initially I was told that nothing could be done about it. I insisted to speak to a supervisor that after many inadequate explanations could not fully justify the charges to my account. 
-was told bill pay via electronic funds transfer ( inter bank ) take 5-7 days to post to account when doing inter institution bank transfers..ie- check not being mailed. = NOT true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.

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 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
In XX/XX/2018 I was loooing for a company to borrow a XXXX $ from quickly. I filled application out on line and a man called me we talked about the loan And he told me Id pay it back every 2 weeks on my payday and the fee was XXXX $ to borrow the XXXX $ so the total amount was XXXX to pay back. The first payment came out and I paid XXXX $ and then I got a email saying I owed XXXX XXXX So I looked on line first and it has a place to see payment schedule but when you try to open that page the website wont let you look at it. So Ive called 2-3 times and cant get anyone to answer phone I used the chat service online and was transferred to service department and no one ever responded. I dont know how to get out from under this loan now. I made the 2nd oaymen And now I owe XXXX $ And Ive already given them XXXX $ toward a XXXX $ Loan. Each 2 weeks with this large payment only XXXX goes toward principal. Such a rip off. I was told the loan total to pay back was XXXX now its going to take thousands to pay back and I cant even see exactly what the true payment schedule is. Im willing to pay the principal off immediately and be done with this horrible company I do not want to give them anymore of my money for what they call fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NC

Complaint narrative:
I applied for a mortgage loan on XX/XX/2018, and was informed that there was a $ 9000+ collection account on my credit report. 

Later on XX/XX/2018, I informed XXXX, XXXX, and XXXX that they should have Eastern Revenue Inc report the account as a charge off as I have never did any business with this company, received any letters, or phone calls, nor had I ever heard of them when I saw and heard about the information on my credit report. 

I also asked each of the above credit bureaus to have Eastern Revenue Inc., at the very least report the original balance ( {$6500.00} ) as due because they are trying to charge more ( {$9300.00} ) than the original balance that has already been charged off by XXXX XXXX XXXX. 


Note : online disputes XX/XX/18 ( XXXX and XXXX ) ; XXXX  spoke with live customer service representative

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 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to experience gross negligence I have 90 inquiries on my Experian report on XX/XX/XXXX I was looking through my credit report on experian.com and found 90 inquiries and a whole bunch of accounts that don't belong to me I tried to dispute them but they refuse to dispute called customer service and all they did was stall tactics I called him at XXXXXXXX XXXX. On a Saturday the stall tactics are so frustrating that I had to come here

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 2018-02-17 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: AES/PHEAA
State: FL

Complaint narrative:
I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Upon multiple attempts, including on XX/XX/18, to make a transfer from my HELOC with BBVA to my checking account with BBVA, my access to my HELOC was denied. Per the Home Equity Optimizer Account Agreement, I should be able to access by funds per telephone, however the customer service representatives are insistent that I need my XXXX card CVV number. This defeats the purpose of calling over the phone, since I do not have a XXXX with this account. The representatives explained to me that this was for regulations and security purposes. 1 ) There is no banking regulation that requires a CVV to transfer from my Heloc to checking account. 2 ) The representative already confirmed my identity by verifying account number, date of birth, credit limit, and last deposit amount, all in addition to calling through the mobile app that identified my account for them. 

My HELOC and my checking account have the same signers, only myself, so the risk of fraud is minimal, especially after verifying me several ways. 

I asked to file a formal complaint and was told that there was nobody that I could escalate this to, including a manager or supervisor. The representative told me they would send an email to their manager, but when I asked for a follow up from a supervisor, they told me they could not guarantee that. In other words, my request/complaint would be ignored. 

Ultimately my access to my consumer line of credit is being restricted and I am unable to use the line of credit per the line of credit agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Because each credit company will charge me each time I freeze/unfreeze my accounts and because I now need to regularly freeze/unfreeze my accounts because of Equifax 's egregious security failure/breach, I need a letter from Equifax stating I was affected by the breach, so I can upload it to Experian, who said they would provide me with freeze/unfreeze access for free for 5 years. However, when I went onto Equifax 's website, there is no place to request such letter and no email address or other electronic means of requesting one. I need this letter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CO

Complaint narrative:
I recently purchased a vehicle for myself to get to work and take my daily commutes. The person I co-signed with is insured and I was authorized to drive the vehicle but we really want to get my own insurance on the vehicle. On XX/XX/18 I called multiple insurance companies and they all refused to get me insurance coverage because an error with LexisNexis ' reporting of my public record. When the companies look into it they clearly see that the accident and driving record reported on my public profile are not me. I even have a legal state document proving no accidents on my driving record for the last seven years. The individual has a totally different middle and last name and lives in a totally different state. When calling LexisNexis there is a completed automated system and no way to converse with a person quickly. I can not refute this issue without my full report that must be mailed to me and I can not drive without car insurance. This is ridiculous that someone with a totally different name has somehow been mixed up with my profile. It's making my life a little XXXX   at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment. 
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ... 
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX  ... out of XXXX pa This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the XXXX XXXX XXXX. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XXXX from Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation