vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On multiple occasions over the course of  XXXX  and  XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Between   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     I was charged {$390.00} in overdraft fees. I contacted customer service and asked for leniency. I was waiting for a check that was several days late causing my account to overdraw. In addition some of the overdrafts were for {$10.00}. I was charged {$36.00} for an overdraft of {$10.00}.   I truly believe its predatory to charge someone {$36.00} when they over draw by {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: NY

Complaint narrative:
XXXX , Dept of Ed/ XXXX ,   XXXX   Univ   XXXX   XXXX  , and   XXXX   XXXX   XXXX   have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since    2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  XXXX  and  Consolidated  by    XXXX   XXXX   XXXX    in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  XXXX  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached    XXXX   XXXX   XXXX   p aid off all loans in excellent conditio n ) ( See   XXXX   XXXX   XXXX   lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Due to being the first person in my family to go to college and zero help from my high school, university or FAFSA, I was not prepared or educated on how to take out student loans, etc. There 's way more info out there now than there was when I started school, but at the time, there were no good resources or helpful info. So I ended up with almost all private loans, with interest rates anywhere fo rm 7-9  %. Originally, my payments were going to be $  XXXX  - luckily,  Firstmark was  able to consolidate my debt i nto one paymen t each month. Unfortunately, since they 're a private lender, they 're pretty unhelpful and provide no options for repayment methods. So now, over half of my earnings each month go to pay back these overpriced loans, and after paying rent, I 'm left with a very small amount for anything else that comes up. I have no savings account. It 's sad that I was essentially forced to take out these loans to get a job, and now that I h ave one ( and a good one at that ), I 'm still  struggling with no option for income-based repayment or any sort of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On  XXXX   XXXX  we sent a payment of {$500.00 } to  XXXX  Barclay card. T hey cashed that check on  XXXX   XXXX  and we have the  XXXX  transaction in writing to prove that. I have called   XXXX  7+ times and spent over 7 ho urs on the phone with   XXXX   and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the  XXXX  records showing that this was cashed by  XXXX  on  XXXX   XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and  XXXX  never has received anything but a " blank copy ''. I have sent a letter to  XXXX  stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!

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 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
I truly do n't believe these credit bureaus such as   XXXX   are taking their consumers concerns seriously. I have been disputing  2 medical debts on my credit report for the past two months. Everytime it c omes back that the debt is proven to be vaild. I then requested a copy of my credit report. I call the collection agency and the date of birth that they have on file is not the same date of birth on my  XXXX  credit report so how can the debt be valid? I dont believe this situation has been investigated at all because if it had been investigated the debts would have been removed from my credit report just for the simple fact that the date of birth does n't match up. The collections are as followed ;  Certified Bureau of So  Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   Balance : {$230.00} Certified Bureau of So Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX    XXXX   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery is  incorrectly reporting that I owe them a total of {$11000.00} on my credit.     I have never signed for services with them and I do not know who they are. There is no reason for them to be reporting an unpaid debt on my credit report.     My report shows an account number of "   XXXX   '' I 've done some research online and I have only come across negative reviews and scam stories by other consumers who have been harassed by this collection company. As a matter of fact, the   XXXX   XXXX   XXXX   has a negative review rating of 91 %! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On multiple occasions over the course of   XX/XX/XXXX   and  XX/XX/XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.

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 2017-04-27 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: NY

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. 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 2017-04-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank ha s been discriminating against me for several years now. I recently applied for a citi business advantage platinum card with my outstanding   XXXX    credit score.  However,  Citi bank  DENIED my application based on the fact that there were credit cards from almost  TEN YEARS  ago that had disputes on them. After 10 years, citi bank is treating me horrible and will not open a new card in my name.   I would like to see there " policy '' that says this goes on for 10 years.   XXXX   XXXX   has a ba reputation already, rated  one of the worst credit cards for how they treat people, now I see why.    As you can see they are being very unwilling to work with me and those disputes from 10 years ago were fraud. so they re basically discriminating against me for me being a victim of fraud. if this continues a class action is going to be filed.

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 2017-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON  XXXX   XXXX ,   XXXX  , I SUBMITTED A DISPUTE FOR EXPERIAN TO CONDUCT AN INVESTIGATION OF INACCURATE ITEMS ON MY CREDIT REPORT. THEY PARTIALLY RESPONDED ON  XXXX   XXXX ,   XXXX  . WHICH IS WELL PAST THE ALLOWED TIME TO INVESTIGATE MY DISPUTED INFORMATION I SUBMITTED. THEY DID NOT CONDUCT A THOROUGH INVESTIGATION NOR DID THEY PROPERLY SHOW ME A METHOD OF INVESTIGATION WITH PHYSICAL EVIDENCE. THEY JUST RESPONDED WITH WHAT SEEMS A COPY AND PASTED ANSWER WITH THE WORDS FCRA BUT NO ACTUAL TANGIBLE EVIDENCE THAT WHAT THEY ARE SAYING IS TRUE.     IN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . THE PLAINTIFF SUED THE COLLECTION AGENCY FOR FAILING TO CONDUCT A REASONABLE INVESTIGATION INTO HER DISPUTE REGARDING ITS ACCOUNTS ON HER CREDIT REPORT. EXPERIAN IN THIS CASE HAS CONDUCTED NO SUCH INVESTIGATION.   UNDER THE FCRA CONSUMER REPORTING AGENCIES BEAR GRAVE RESPONSIBILITIES TO ENSURE THE ACCURACY OF THE ACCOUNTS THEY REPORT ON AND THEIR RESPONSIBILITY MUST CONSIST OF SOMETHING MORE THAN JUST SAYING IT WAS INVESTIGATED. THERE IS NO PROOF OF ANY REASONABLE INVESTIGATION BECAUSE THE ACCOUNTS REMAIN INACCURATE AS STATED PREVIOUSLY. THIS IS A LAST GOODWILL ATTEMPT TO REMEDY MY SITUATION BEFORE I PROCEED LIKE THE PLAINTIFF IN THE CASE ABOVE.

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 2017-04-27 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: NY

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, u nder Section 611 ( 5 ) ( A ) of the FCRA- th ey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. 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 2017-04-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times

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 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: DC

Complaint narrative:
Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo the bank, did not attempt to try to establish and ground point in helping us with the mortgage. We have been trying to get a modification from Wells Fargo from 2014 and they keep declining every attempt that we have made. We 've declared bankruptcy because the failing issue that the bank will not help us with the mortgage. They have been asking for the same paperwork since 2014 and we send the same paperwork but they seem to always ask for more. We 're trying our best to  keep our house, we are in the chapter  XXXX  trustee process.

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 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have asked what was my original creditor they will not tell me. They just tell me the amount I owe. It says I owe {$1300.00}, but I paid an amount of it  in 2016. I f I do not know which creditor it was before LVNV Funding LLC than how do I know it is a real debt collector I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Coradius International LLC
State: GA

Complaint narrative:
I 'm being harassed by American Coradius International LLC on behalf of the  XXXX   XXXX   XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before  XXXX  and calling after  XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed  XXXX   XXXX   XXXX  and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied for assistance with my servi cer Nationstar to save my home. Nationstar made an error and mis valued my home by  an enormous amount. They valued my home at {$400000.00} and the actual value is closer to {$260000.00}. This caused me to get denied. I had hired an attorney to assist me with the paperwork and they appealed the denial for me within the timeline to appeal on   XX/XX/16    .  Nationstar ignored this appeal advising there was a mistake in their review. Per their reply  since I did not actually do the work they were su pposed to do ( Giv e them an actual appraisal ), they say there is nothing they can do and the program that I qualify for no longer exists. I think this is terrible and maybe illegal. How can a servicer ignore something that is so drastically wrong. Not only is Nationstar negligent in denying my modification request with a false grossly inaccurate valuation, but they are also doing their investor ( owner of the loan ) a great dis service.I am willing to pay my entire loan. The owner of the loan is about to take a massive loss based on their false valuation. My attorney be lieves Nationstar is d oing this to evade actually reviewing me ( with the correct information ) for assistance because they simply want to foreclose.

Company response to consumer: Closed with explanation