vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received a call at XXXX am XX/XX/XXXX and XXXX am on XX/XX/XXXX. Ive blocked many of this companies numbers but they wont stop. Ive asked them to stop, now they call outside of the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been harassed by XXXX XXXX XXXX while at my job. They have called my place of work serval times although I have given them my cell number and requested that since it is a personal matter to contact me personally. They have called spoken with my manager asking them personal questions regarding me being able to make payments. I feel this is out of line and borders on unethical. Besides calling my workplace they called distant relative whom I really keep contact with. When asked how did they come about this information and phone numbers their response always is " We have our ways '' like some type criminal syndicate.

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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has  increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX  did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from XXXX XXXX XXXX not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. XXXX & XXXX states that they are handling the account for BOA, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from BOA. I did receive a letter from XXXX & XXXX stating that they are basically working on behalf of BOA, but did BOA sell it or have another company handle it, then take it from them and gave it to XXXX & XXXX to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from XXXX & XXXX of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that Bank of America, which you state you are representing, would not agree upon while yet giving XXXX & XXXX the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with XXXX XXXX XXXX. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, XXXX & XXXX is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that XXXX & XXXX stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.

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 2018-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I bank with Wells Fargo and I did a Wells Fargo XXXX transfer on XX/XX/2018. The person I sent the funds to was suppose to do a job for me and never completed it. I asked Wells Fargo to do a claim for the money back. However, they tell me with the terms and conditions they I signed off on it states they are only responsible for the transfer. I would have to press criminal charges against the person to get my money back. Now when I question the presidents office : I asked : You were aware that you were putting your consumers in danger by possibly aiding a theft? He told me he was aware that they were putting there consumers in danger. I still dont have my XXXX back, I feel they are making up excuses as usual. I spoke to XXXX as well and they told me multiple times the bank is responsible for me getting my money back but as usual Wells Fargo takes no responsibility

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP
State: PA

Complaint narrative:
Took out a 60 month loan with XXXX XXXX XXXX  for {$11000.00} at 19.99 % on XX/XX/2013. 

Total Payoff with interest would be {$18000.00}. 

We made 46 payments totaling {$17000.00} Went to make final payment and noticed several recent late fees on top of what should be a {$200.00} balance, company claims that we owe {$590.00}. 

I have spoke with several supervisors and managers with no resolution. 

I have sent all payment history to them as well. With no dispute over the amounts or dates!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I deposited {$45.00} cashin my account, Key banks ATM stole my money gave back my card and said sorry ATM isn't working this was XXXX on XX/XX/18 I contacted the bank and spoke to 2 people who refused to do anything. I asked for the video and was refused I asked for information on who services the ATM and again they refused to give me any information or assistance in anyway of retrieving they money they stole. I was going to do a police report but it was closed. Basically they steel money and it's legal? I can do nothing because they are a bank. They have 0 customer service and do not care anything about their members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had automatic payments taken from my bank account in the same amount for approximately 2 years. Recently Bank of America changed my minimum monthly payment to more than what was being taken from my checking account. I was unaware of this change which resulted in penalties and fees and a bad credit report because my minimum payment was increased above what was being deducted from my checking account. When I called to resolve this problem I was on the phone for at least 30 minutes and was then told the only way I could change my payment amount was online. When I went online to change my payment amount I was denied access because my credit card account had been closed by Bank of America.

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 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2018 XXXX XXXX  PST I spoke with a representative with Performant who indicated she could waive some collections cost which based on the most recent statement I received is {$2800.00} for " collection cost ''. She additionally offered a final settlement for {$7900.00} but indicated she had to get approval on the amount of time she could make that available and would call back in a day or two. A week later when I didn't hear back I contacted them again and after explaining to 2 different representatives I was forwarded to a manager on XXXX at XXXX by the name of XXXX . She explained that the previous representative was not authorized to make that offer and that it had not been accepted by the creditor XXXX. And that the lowest they could accept would be something over {$10000.00}. I asked her to review the call and honor the deal and she agreed and said she would get back to me. I never received a return call from anyone since. This student loan comes from a fraudulent technical college that has since been shut down. I originally borrowed {$20000.00} and with payments made and tax offsets to date I have paid well over {$23000.00} and according to their records still somehow have a balance of {$14000.00}. On XX/XX/XXXX I faxed a letter not only asking for verification of the debt but also acceptance and acknowledgment that they made the settlement offer. What I received in response was XXXX pages of a contract that is completely illegible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 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: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
On XX/XX/2018, I retrieved a copy of my credit report and immediately noted that Collection Bureau of America had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to do so that would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, on XX/XX/2018, I communicated in writing ( see attached ), my dispute to this company. It is wholly against the law for a company to insert an entry on my credit report without giving me the opportunity dispute the allegation. 

Collection Bureau of America, responded to my dispute in their letter dated XX/XX/2018 ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. As such, being in receipt and providing the requested documentation was to no avail. Collection Bureau did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. 

Collection Bureau of America ( CBA ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to  cease collection efforts and reporting when they received the letter of dispute. 

This entry should be deleted from my credit report immediately and CBA should remunerate me for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.

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 2018-07-19 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: IL

Complaint narrative:
The Equifax has added fraud alerts to my credit report without my requesting it, I specifically asked them not to place fraud alert on my file. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I was notified by KeyBank that my debit card had been compromised so they would be sending me a new one via mail. My old card would be de-activated by XX/XX/XXXX. I never received a new card in the mail, and my old card was de activated, leaving me unable to use it. I called KeyBank and they apologized and told me they'd send me one right away. I can get it in 5-7 business days for free, or 3 - 4 business days for a {$25.00} fee if they rush it. I chose for them to rush it because I am without a form of payment. It is absurd to charge your own customers a {$25.00} fee for a mistake you or the USPS made. KeyBank = Fee Bank. The amount of fees this company charges is ludicrous and insulting to its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been working on a few things that I disagreed with on my credit report. Everything had been investigated and I thought completed. I decided it was time to move forward to apply for my home and my lender said that Equifax was reporting that there were three things indicating that they were in dispute. I explained that they were no longer being disputed that I was under the impression once they reviewed the information and responded to the disputes it was closed. I was informed to contact Equifax directly and find out what was going on. I contacted them and explained that I wasn't disputing anything at this time and that I needed that verbiage removed. They refused to remove it. They said it is being disputed and I again told them it wasn't. They said that it would take about 30 days to remove the statements. I am extremely upset because my lender is unable to obtain a true report because of that verbiage and that company is the only one reporting that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mendelson Law Firm
State: MS

Complaint narrative:
XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.

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 2018-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian deleted 100 XXXX XXXX inquiries that I didn't recognize and more than a few other. Can someone explain how they got there so that I can address this with the company involved ...

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
After finding inaccuracies on my consumer credit report, I sent a 1692g request to XXXX XXXX XXXX on XX/XX/XXXX. The verification affidavit was received by MCM on XX/XX/XXXX, at XXXX. The company failed to verify the alleged debt and continues to report false information to the Consumer reporting agiencies. Additionally, the account was paid, in full to XXXX, XXXX XXXX XXXX on or about XX/XX/XXXX. MCM has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( s ) and/or Representative ( s ) are frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
my car was totaled by an accident on XXXX XXXX 18. 
my insurance company paid honda. honda sent me a letter not to continue to pay the lease. then they sent me late notices. i called them they said i had to pay the lease for a car that was paid off by my insurance company. then i get a letter from honda that the car is paid off. the issue is that my credit is wrecked and i annot get it repaired because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I sent this company a letter on XX/XX/2018 to validate the debt that they put on my credit report. I have not heard from them and the account is still showing on my report. I know that I do not have an account with them and I want this 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 explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have an account with XXXX  XXXX ( XXXX ) which I pay for services monthly. I tried twice to report my new address but it is saying technical difficulties. I did report change of address to all three credit companies. My report is showing my old address as a current and past address.

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