vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have tried twice 4 times to get the errors on my account removed. I have been in school since XX/XX/XXXX and I am graduating in XX/XX/XXXX. My loans were recently transferred over to Navient for the continuation of payment. I have called customer service 2 times. The first time the navient customer service agent told me to ignore the bills I was receiving because they were inaccurate and not all of my loan information had transferred over including my deferement and forebarance status. My loans state that I am to start loan repayment after I graduate. The first bill I received was for {$34.00} dollars. I was told by Naveint to ignore this bill. So I did. A month later ( 2 weeks ago ) I received another bill that had doubled in amount due to " late fees '' from not paying the first bill. So I called Navient 's horrible customer service line again and the agent told me that the other agent was wrong, my loans did transfer and i will continue to accumulate late fees if I do not pay. I told her that the terms of my loan state that I am not to start repayment until after graduation. She told me that the terms of my past loans have changed. They have not they have been the same since I started college. So I asked the agent if it was correct that even though my loans state that I am not to repay until after graduation, Navient is telling me I have to and that they changed the terms of past loans I did not agree to change. She said that was correct. So I hung up and emailed the Navient customer complaint line 2 times In the past two weeks. I have not heard back about my account, the errors on the account or that they are even willing to contact me. They have been completely unresponsive to my emails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
EXPERIAN is misreporting my credit report and because I have been in XXXX for over 3 years with the military I am unable to get a copy of the report to see the details that they are reporting. They are stating that I have missed or been late on payments however all my accounts have been set for auto payment well in advance of any due date for over 3 years now. The other credit reporting agencies are correctly reporting that I have never been late or missed a payment. I need EXPERIAN to provide me with the detailed report but I can't seem to get it from them because of where I am.

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 2018-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo truly could not care less about their customers or the success and satisfaction of their customers. 

My problem is twofold : I have a credit score over 750, 100 % perfect payment history, {$0.00} owed on my credit cards and they will NOT approve me for a loan. Not only that, but when you call and try to get answers, they dance around the issue, don't tell you why, don't offer solutions, don't call you back, and don't offer advice on how to change the situation. They don't only not care, they genuinely don't even try -- even for people who have made a point to be responsible and put themselves in a situation for success. 

2 ) I opened an account with them ( why, because I was " guaranteed '' the loan if I did ( another lie ). Now not only do I have a pointless second account, I can't access it any way shape or form : online access gives me a permanent error message or a message that says " this site is down '' I called 5+ times to get them to let me into my account -- they never fix it and always say it's fine and it's probably just a temperary outage. After months of trying, that is clearly not they case. NOT only that, but they also will not send paper statements or estatements, so really they just don't try, don't care, and will cheat their way into any business they can get. They disgust me. They have hurt my credit score. They won't let me into my account. And they won't address a single one of my questions or problems. 

With all the other issues coming to light, they should be shut down, for good. I will fight them tooth and nail until they make things right with me -- which if it were up to them, would be never.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
There are issues with my credit reports of accounts I have no knowledge of or authorized I have Delinquency marks that shouldnt been there and Im XXXX with XXXX and Im unable to pay or complete payments on my own my father XXXX XXXX is the one responsible for making all my payments made

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Ive sent TransUnion 1 letter and 1 fax asking to have an incorrect public record '' bankruptcy '' be removed from my report. i have supplied them everything to show that this account is NOT MINE! i have never even lived in XXXX, WA where supposed bankruptcy addresss was filed. i dont know how this inaccurate info came to be on my report i just seek to have this fixed. it transunion would like i can send them over evidence XXXX an XXXX  have quickly corrected this mistake.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: TN

Complaint narrative:
I called card.com to find out where my money went because I checked my account in the mobile app and apparently someone had stolen my card On XX/XX/XXXX someone went to the XXXX XXXX # XXXX on XXXX XXXX XXXX and used the ATM to make 2 withdrawals from my account in the amounts of {$300.00} and {$400.00}. I didn't authorize these transactions. They filed a dispute and told me that if they hadn't reached a decision by the XX/XX/XXXX that money would be back on a new card they had sent. I kept calling to check on the status of my claim and to ask why I hadn't received my new card. They informed me that I had to upload copies of my driver 's license and address verification and I did so. I waited for a couple days and still hadn't heard from them so I again called back to be informed of the denial to give me my money back and I wanted to know why and I let them know that it's purely a case of them taking my money. I want my money back because I didn't authorize anyone else to use my card. How is it ok for them to just take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX. 

These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Premier Student Loan Center
State: GA

Complaint narrative:
ON XX/XX/XXXX I WAS CONTACTED BY PREMIER STUDENT LOAN CENTER FOR AN OFFER TO COMPLETELY FORGIVE MY XXXX  $ IN STUDENT LOANS. ALL I HAD TO DO WAS TO MAKE 5 TIMELY PAYMENTS TO THIS COMPANY WHICH I FIND OUT DOES NOTHING BUT PROCESS DOCUMENTS THAT ARE NOT NON APPLICABLE BUT THAT I COULD DO FOR FREE MYSELF. THEY STATED THEY WORKED DIRECTLY WITH THE DOE BUT REQUIRED MY SOCIAL SECURITY NUMBER AND CREDIT CARD INFORMATION TO GENERATE A DOCUMENT AND A NEW FSA ID NUMBER. THEY HAVE SET ME UP WITH 5 MONTHLY PAYMENTS STATING THAT IF XXXX $ IS PAID THEN XXXX $ WILL BE AUTOMATICALLY FORGIVEN. THE ZERO PAY SCHEDULE FOLLOWING THE 5 PAYMENTS SIMPLY MEANS YOU HAVE PAID THEIR FEES FOR LOAN PROCESSING DOCUMENTS. I HAVE ALERTED MY BANK TO ALLOW NO DEBITS FROM THIS COMPANY CONDUCTING FRAUD AND I HAVE FILED A CLAIM WITH THE ATTORNEY GENERAL OFFICE AND HAVE MY SOCIAL SECURITY NUMBER CONTINUOUSLY MONITORED FOR SUSPICIOUS ACTIVITY. I DEMAND THAT THE COMPANY PREMIER STUDENT LOAN CENTER IMMEDIATELY CANCEL AND FURTHER TERMINATE ANY RELATIONSHIP BETWEEN THIS SCAM AND MYSELF. MY STUDENT LOANS ARE PAID EVERY MONTH THROUGH XXXX AND ARE NOT IN ANY KIND OF DEFAULT. I HAVE ALSO ALERTED NAVIENT TO THE NAME OF THE COMPANY AND REPRESENTATIVE WHO SOLICITED ME. I AM ATTACHING ALL DOCUMENTS TO THIS WEBSITE AND TO THE STATE OF GEORGIA ATTORNEY GENERAL 'S OFFICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I checked my credit reports and noticed an entry from CBE GROUP. I was never notified by the company and this is a violation of the FCRA. I also sent CBE GROUP a cease and desist letter and they are still reporting a collection on all three credit bureaus. Please see attached cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: WA

Complaint narrative:
Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Jim Bottin Enterprises, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX a scheduled withdraw by XXXX XXXX  was scheduled to pay my monthly gym fee {$19.00}. I forgot that the yearly fee was due. I had {$45.00} dollars in the account. The total fee {$58.00}. Of course it bounced. The bank took {$30.00} in overdraft fee. Now there is {$15.00}. The bank sent a notice by mail, did not get it till Sat XX/XX/XXXX. By then XXXX tries again to withdraw the funds. Bank fee # 2. Monday XX/XX/23 I called my Gym and XXXX. XXXX had set another withdraw for XX/XX/XXXX. By the time I called it was done. Bank fee # 3. I had automatic withdraws stopped. I called tues It did not look liked my email had gone thru. I complained that I had not even been notified by XXXX. I confirmed stopped withdraws. NOT 2 minutes after I had hung up the phone. I get a Notice by email of insufficiant funds from XXXX. I called Wed. I spoke with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. I requested they pay the 2 extra insufficant fees from the bank. I take responsibility for not having the proper amount in my account. I forgot. Why did XXXX not notify the gym or myself. They would have just gone on trying to take money without notifying anyone. 
They tell me notifications are a courtesy. I say it poor business practice if that is your policy. They denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: LA

Complaint narrative:
I would like to submit a complaint against ( XXXX XXXX XXXX ) regarding unknown cable account ( s ) XXXX, XXXX and XXXX for {$670.00}, {$780.00} and {$500.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( XXXX XXXX XXXX ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( XXXX XXXX XXXX ) a certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/2018 requesting validation of the account ( s ) ( XXXX XXXX XXXX ) reporting on my credit report ( s ). ( XXXX XXXX XXXX ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditor ( s ) XXXX XXXX listed on my credit report ( s ) that ( XXXX XXXX XXXX ) claimed to be collecting for. XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) with them. Which I knew before contacting XXXX XXXX. I have not had an account with XXXX XXXX for over ten to eleven years. 
I advised the XXXX representative I was speaking with via phone, that XXXX XXXX XXXX was reporting three collection account ( s ) on my credit report ( s )  claiming to be collecting because XXXX XXXX sold/assigned the account ( s ) to them. The XXXX XXXX representative advised me there was no way XXXX XXXX XXXX would or could be attempting to collect on any account ( s ) that are over ten years old and in addition XXXX XXXX has absolutely no records of assigning any account ( s ) in my name to XXXX XXXX XXXX. Moreover, the XXXX XXXX representative stated cable account ( s ) /collections are uncollectable after three years in Louisiana due to the state statute of limitations and a seven-year federal statute of limitation for reporting to consumers credit reports. Therefore, ( XXXX XXXX XXXX ) have violated several state laws, FDCPA and FCRA. ( XXXX XXXX XXXX ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before ( XXXX XXXX XXXX ) reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect debt/account ( s ) beyond both state and federal statute of limitations. 
These erroneous entries by ( XXXX XXXX XXXX ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
They tried to open a credit card with my information not authorized. 

XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Theres 2 separate instances.

The first, I submitted a dispute because I got a table and it broke minutes after the drivers left. I provided as much documentation as I could. They didnt even call the merchant. My dispute ended up being denied.

The next one. I got some hair. It was defective and ended up a tangled mess 2 days later. A professional hair dresser advised me to get a refund. The company wouldnt do it, so I went to my bank. The bank denied this as well, even though I provided ample documentation

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