vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the  balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX this company keep calling I do n't know who they are calling for I have ask them to removed my number and they are still calling they have been calling since Monday XX/XX/XXXX @ XXXX XXXX, Tuesday XX/XX/XXXX @ XXXX, Wednesday XX/XX/XXXX @ XXXX XXXX, I have returned a called and told them to remove my number but all they did was call from a different number. the following numbers they have called from XXXX and XXXX they are calling everyday and refuse to stop calling after they was told do not call this number. and I just received this number so I do n't know nor care who they are looking for just stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: IN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the date below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is there was a billing error with my statement.

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 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I pulled my credit report and noticed two inquiries I did n't authorize. I 've called Transunion they told me call the creditors. I called them and they told me call Transunion. This is very insane. The two inquires are : 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/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 2017-08-16 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: IL

Complaint narrative:
I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via 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 2017-08-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : American Express Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16 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: CITIBANK, N.A.
State: CT

Complaint narrative:
On the date of XX/XX/2017 I logged on to check my credit as I do regularly. I noticed that my credit had dropped and there was a hard pull on my credit report. So I saw that CBNA was the company and did the pull on XXXX XXXX 2017. Well I called the company because I have n't taken out any credit cards or loans or even applied for anything. When I called the company I was referred to a different number who said they could help me better there. So I called the number the company had given me, and this number gave me another number that I need to call the company itself ( the very first number I called ) and that there is nothing they could do to help me and hung up. I decided to give the original number another call and said that unfortunately they do n't help these kinds of cases. The fact is I DID NOT REQUEST THIS INQUIRY.

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 2017-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Due to medical and financial situation, on XXXX XXXX, 2017, we filed for bankruptcy protection. We did n't include our bank, Navy Federal Credit Union on our petition, since are trying to maintain a good relation with the bank. Two weeks ago I tried to get gas in my card, to find my credit card did n't work. I called XXXX XXXX XXXX, they stated my credit cards and loan have been canceled, since they found out through my social security we filed bankruptcy. We received no noticed from Navy Federal about what they had did. On XXXX XXXX, 2017, we amended our bankruptcy petition, to include Navy Federal Credit Union. The same day I hand carried a copy of our petition to our local branch in XXXX, VA. The agent faxed and scanned a copy to the bankruptcy department. After the agent faxed the documents, she tried to call to confirm they received the documents, no answer. I called and talked to XXXX XXXX, I asked him did he received my bankruptcy papers, he stated yes, with a rude tone, asking me if I had a lawyer, and letting me know there were a balance of {$480.00} owed to the bank. I advised him, my government retirement will be in on XXXX XXXX, 2017, federal law the bank can not take that money from our account, since we filed bankruptcy. Our son, which is the primary owner, has a military checking and savings account. He went to pay his rent and found out he was short by {$480.00} from his account. Our son told us Navy Federal Credit Union have taken money from his account without his authorization and ca n't pay his rent. As you know Navy Federal Credit Union knowingly commit fraud, while taking money from our son 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.

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 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]

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 2017-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: IL

Complaint narrative:
I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via 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 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: LA

Complaint narrative:
I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/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 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I began receiving call on XXXX XXXX from this company. I do not answer calls I do n't recognize or know. No one ever left a message. They were calling 3-4 times daily through the week. Then I got 2 messages left on my voicemail by a woman who did n't leave her name but said " ( stated my name ), I need you to call me back, I need to talk to you. '' And she left a phone number XXXX XXXX. I never did call back. I keep receiving these calls from this same number along with another number listed for this company, Prince Parker and Associates. It 's a XXXX area code. I 've had the same message left by a woman also. I XXXX the numbers and found it was the above mentioned company. I will not call them back simply because they are not leaving messages stating who they are, why they 're call and they 're calling me 3-4 times daily from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed this account with the credit bureau and it was not verified, and therefore, deleted. This account was recently added back onto my credit report without prior notification. This account does not belong to me. I have no contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TN

Complaint narrative:
I pulled my credit report on XXXX/2017 with Experian. I noticed a collection account from XXXX XXXX on my report for a past payday loan I had received from XXXX XXXX. I had already paid this item directly to XXXX XXXX, NOT XXXX XXXX. I notified Experian of this, including sending them a copy of the final payoff letter from XXXX XXXX, as well as a PDF of the transaction showing the payment coming out of my bank account ( both are attached ). I requested that the collection account be removed, since I had paid this to the original creditor. The account was updated to " Paid, Closed '' but not removed. I disputed the information for a second time online with Experian on XXXX/2017, and received an email today stating that this second investigation was complete. I logged in to see the status as " Updated '' again, so I scrolled through the information, but the only update made was that they added a statement that they had investigated but that I disagreed.
This is dragging down my credit score, and I want the collection account removed. I never made ANY payment to XXXX XXXX ; the only company I have dealt with regarding this account is XXXX XXXX directly.

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 2017-08-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.

Company response to consumer: Closed with explanation