vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LendingUSA
State: TX

Complaint narrative:
I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.

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 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
I tried freezing my credit report today XX/XX/XXXX. 
Online the company asked for my personal information - my full social security number, my address, my date of birth. After receiving all my information the website said it could n't freeze my credit. It asked me to resubmit all the information I had already given in writing and mail it to an address provided by the company. 

I tried calling the company on the customer service line through their automated system and was told they could not freeze my credit the automatic service then hung up without giving me an option to speak to any customer service agents. 

Considering the security risk the company has exposed us to they are making the situation worse by making it difficult for customers to protect themselves. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I began receiving nonstop calls to collect money for both of my Navient and XXXX XXXX loans my Sophomore year of college, XX/XX/XXXX, once to twice a day every day. At first, I would let them know that I was still in school and could not repay as of right now. They continued my entire school career and continued after graduation XX/XX/XXXX. They did not stop calling even while I was making payments to my private loan interest during school. At one point, they sent a collection agency after me my senior year in XX/XX/XXXX. They began calling me from different numbers to try to fool me - I have voicemail records for the past two years of the different numbers. They started calling me during class and almost twice a day, it got so bad that I had to block every number I knew they were attached to. Also, Navient and XXXX XXXX began calling my mom - who is not a cosigner or even listed on any of my loan paperwork.
They did not stop calling me on random numbers until after I began an automatic payment plan of $ XXXX/monthXX/XX/XXXX. And it is possible that they are still calling but can not get through because I have blocked them. At first, I thought it was going to be great to have it taken out automatically - but then it became that the $ XXXX/month does not make a single dent in my private loan. I have it set that my repayment is supposed to be split between loan and interest ( half and half ), but it is currently only covering my monthly interest and of course, the private loan continues to increase because of the interest that I am so called paying off.
I have talked to multiple Navient customer service operators about how to allocate the funds differently and have tried to explain my situation - the operators did not help me and are extremely rude. They simply " explain '' why I must pay at least {$330.00} and suggest that I should pay more to get ahead of my interest. The payment to my actual loan never exceeds $ XXXX/month and the rest is applied to interest. And as of right now, the amount allocated to my actual loan is decreasing while the amount allocated to my interest is increasing.
In the attached files - every number that is from XXXX XXXX, TX, XXXX, PA, or Unknown is from XXXX XXXX and Navient. ( Unfortunately, I broke my phone before I graduated and lost my screenshots of the previous calls - but I can always request phone records from my carrier if more evidence is necessary ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX  at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. 

The representative I talked to when calling in refused to provide me their name and a suitable address. 

The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. 

Transaction ID : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: KY

Complaint narrative:
This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
On X/XX/2017 I went to the online portal of Western Union to transfer {$500.00} from my XXXX checking account to an individual in XXXX XXXX who would collect the funds at an authorized Western Union Location. After I entered all of the data required to enable WU to make the funds available I received an acknowledgement from WU assuring me that the transaction was in fact being processed and that I would receive a code # for the recipient to collect the cash in " minutes '' as per the WU service promise on their site. 
As time passed and I did not get the pick-up code for the recipient and availed myself of the tracking tool provided by WU. The first track replied with the transaction was being processed, but it was take 30 minutes. When that time expired the next track returned that it would take two hours to enable the pick up in XXXX XXXX. I then called WU customer service and spoke with an agent who told me it would take as long as 6 hours to enable the transaction even though WU had taken the {$500.00} + {$49.00} in fees from my checking account. I asked to have the call escalated to a supervisor who finally disclosed that I was blocked from using WU services. I asked for a reason or cause as was told that was all I was going to learn. WU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX is not mine!

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 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CBM Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an incorrect address on my TransUnion credit report. I have tried both writing to have this removed as well as removing it through their website. I have not received a response from the written request and their website errors out when trying to notify them of incorrect data.

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 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15 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: Statebridge Company
State: NV

Complaint narrative:
On XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX Comenity called about a family member, responded to have number removed XXXX, XXXX, XXXX the same issue as above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE .... 

I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU. 
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME. 

I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!

Company response to consumer: Closed with explanation