vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX contacted my employer. My employer took her name, company name and number and asked what it was regarding. XXXX response was that he knew meaning I would know what it is concerning. I called right away and they wanted me to verify my identity. I was upset at first asking why I have to verify my identity when they called my company looking for me. When I finally gave the last 4 digits of my social, she said wrong person. I asked if they live in the city where I lived and she said no. He lives in XXXX, oh. So they contacted my employer, made it sound like Im a deadbeat and they dont even have the right person. This is wrong!

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 2018-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bepensa Capital, Inc.
State: MI

Complaint narrative:
I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated on my credit 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 2018-06-07 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: MD

Complaint narrative:
Equifax is giving me a hard time disputing my reports online. I have submitted my correct information and it is stating the information is incorrect. When I called in, they will not help with the issue but instead are attempting to force me to do the process over the phone with them. I'd like to investigate each instance and then make a decision if I will dispute it or not. I have done this with XXXX and XXXX already but Equifax is not being helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
I noticed I have an account being reported on all three of my credit reports. I have requested this company, skagit bonded, to validate this debt. Instead I received interesting responses, and they failed to validate this debt. What they're doing is illegal, and per my attorney 's instructions I have first reporting to the CFPB and the attorney general. I also would like to request this companies Washington state representative so I can take them to court if they still refuse to abide by federal law. Attached is my correspondence with this company. Thank you!

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: River Ridge Financial Solutions, LLC
State: IA

Complaint narrative:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors,  collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX my father XXXX XXXX XXXX opened an acct. with XXXX XXXX for a loan of {$7400.00}. My father passed away on XX/XX/XXXX. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX via being served to appear in court for this debt. I contacted XXXX XXXX and XXXX XXXX   stating this was not my card and they told me my credit was used to obtain the card which i find hard to believe because my credit score has  been below 550 for several years. My info is : XXXX XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Ph # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: IA

Complaint narrative:
During the past couple weeks, I have looked online for potential lenders for a mortgage refinance or home equity line of credit. One of the places I looked was XXXX XXXX. XXXX XXXX, without my permission, has sold my information to dozens of lenders, and I am now getting several calls per hour, despite repeated requests to be taken off of all call lists. XXXX XXXX   has been particularly aggressive. One representative refused to honor my request not to be called again, and argued his belief that the purpose of XXXX XXXX is to generate dozens of telemarketing calls per day. 

This is harassment. It has to stop. I request whatever assistance the CFPB is able to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Called and offered a personal loan. After " verifying the missing information, they asked for my XXXX XXXX XXXX user info.I did not give it to them. 

Voice Mail I responded to : Hey hello daya this is XXXX XXXX calling you from Commonwealth Bank and actually this phone call was regarding about your loan app work. You have been preapproved by my bank to get up to {$5000.00} plus loan. Okay so if you're looking for a loan in the market right now so please call me back as soon as possible. Okay and you can call back me at XXXX. I repeat again XXXX. Thank you. You have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Not being able to access or use overdraft. Not being able to to sign or use banking apps or connect external account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a XXXX number on my called ID yet the business shows its in XXXX My last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was 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 2018-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
I had a loan from XXXX XXXX XXXX. My bank account got hacked. My Account was closed. Im guessing bayside capital services bought the loan which is weird because I found out that XXXX is unliscened. I never received a letter of validation. Finally got a call and was told Id be served papers as someone will be coming to my house and employer ( illegal ). I call asking for a license. Come to find out they dont have one. Cant even find their website online, I had to ask personally. They claimed they sent validation which is false. They have called early as well which I also know is illegal. Im not sure this is a legit company Ive also seen very bad ratings. I notified XXXX   and they said they had no idea who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: GA

Complaint narrative:
I have been bombarded with phone calls for someone I don't know. Numerous times per day EVERY DAY!! I have told them several times I don't know the person they are looking for and to stop calling my number. Only to have them say ok and call a few hours later from a different number. The name of the company still shows up but the number is different. I am seeking a work from home job and these continuous phone calls all day impedes on my ability to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
someone went and got apartment in my name, and is reporting to my credit, i have disputed this serval times and it keeps appearing on my trw and i just disputed again thru credit report. But this is not my account and says with a company name Kimball Tirey St. John. its hindering me from get a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX we were hit by the hurricane Harvey.  I live in XXXX. I called Capital One they gave me a 3 month extension in paying my bill. I used the three month extension and my payment was due in XX/XX/XXXX which I paid on time. My credit report is showing a late payment for XX/XX/XXXX. However, statements do not reflect any late payments listed on my XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX statement. I have contacted Capital one to get my credit report updated. They arestating that the late payment that is reporting for XX/XX/XXXX is correct. I did not pay a late payment fee for XX/XX/XXXX. The late payment that is reporting on my credit is  not correct and I would like to have it removed and my credit report for all 3 agencies corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial.  The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up. 
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls. 

I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a phone call from Navient in XX/XX/XXXX asking to speak with my brother. I explained I did not know how to contact him and asked that I not be called again. On XX/XX/XXXX, I received a second call, from XXXX. She left a message. I received a third call today, XX/XX/XXXX at XXXX. XXXX left me a voicemail. 
I called back and was informed by XXXX that because navient is a private company, the fair debt collection practices do not apply to them. She then told me that she was allowed to call me as much as she wanted to. And that no one has ever called me before. At the end of the conversation, XXXX did agree to remove my number from the file. 

According to the fair debt collection practices, a debt collector an agency my only called family member one time, Unless the family member request a call back. I did not request a call back and do not want to be called by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Have a XXXX XXXX XXXX credit card.They tell me I missed two payments and they are wrong .I paid off the balance. They closed my account it is showing up as a negative.I tried to talk to them and I got satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email from several student loan companies telling me it was time to re-certify for Income-Based Repayment. On XX/XX/XXXX, I filed re-certification paperwork with www.studentloans.gov -- copy of email verification attached. On XX/XX/XXXX, I received notification from American Education Services that the student loan re-payment paperwork was received from www.studentloans.gov -- copy of email attached. On XX/XX/XXXX, I received an email from American Educational Services that I was denied the request for income-based repayment, with no explanation given, and told to see an upcoming letter for the reasons -- copy of email attached. I recently received TWO letters on XX/XX/XXXX from American Educational Services, both arrived on the same day and both dated XX/XX/XXXX. The first letter stated that I was denied because " I applied too early '', the second letter once again stated I need to re-certify for Income Based Repayment given a due date of XX/XX/XXXX. Then rejected for " too early '' and told to reapply again with deadline. I called the company today on XX/XX/XXXX to discuss the issue. The customer service representative told me I should consider re-applying in XX/XX/XXXX!!!, because of some XX/XX/XXXX date in their system, despite the fact that the letter has a deadline of XX/XX/XXXX. I told the rep about the XX/XX/XXXX date and the rep said " try applying again end of XX/XX/XXXX and see if that works ''. Terrible! I have not had this kind of problem with ANY other student loan company. All my other student loan companies have received the same info from studentloans.gov at the same exact time in response to annual re-certification and approved my request with no hassles. I am greatly dissatisfied. People should not be treated this way and have to be at the mercy of random games played by a student loan company, when you have no clue what you actually need to do to satisfy their rules for Income-Based Repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi I have been searching for how to make a complaint on a branch with Citibank and this is all i could find.Citibank has no complaint line nor does its customer service take complaints and I called after our visit. I took my mother today to our local branch at XXXX and XXXX in XXXX XXXX XXXX and had the worst assistance which led to us leaving to go to another location and the branch manager telling us to leave his business and never come back. We have came here for my father 's account that is closed now because he passed away and my uncles that is in XXXX XXXX right now. He has had some issues with using his card in XXXX so my mother is his POA and withdraws money to send it XXXX XXXX for him. They were not as helpful as they could have been and the branch manager kept talking back to me as I was with my almost XXXX year old mother and baby of XXXX yrs. We have done over 4 transactions with this banking location for the same exact thing before and for more money. I have dealt with many bank institutions and never received this type of service anywhere. I hope to hear from you soon concerning this matter. Thank you for your time.

Company response to consumer: Closed with explanation