vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Processing Group LLC
State: TX

Complaint narrative:
On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: MA

Complaint narrative:
I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates
State: VA

Complaint narrative:
XXXX XXXX XXXX of XXXX, Va. struck up business with me XX/XX/XXXX. A contract agreement was set in motion. I gave them a cancelled check to debit my XXXX XXXX XXXX acct for {$39.00} onthly. THEY FAILED to have a functional office staff to get the payments started. They began a draft to my acct. on XX/XX/XXXX & XX/XX/XXXX, nothing in XXXX. Why? Turned me over to a collection agency : Hillcrest, Davidson, & XXXX. who have called with harassment, etc.since XX/XX/XXXX each day ( XXXX times/day ). I had surgery on XXXX, had my daughter to fax cancelled check copy, copy of drafts from my checking acct, copy of orig. contract. Now that I HAVE defaulted on contract ... things have " accelerated '' and I owe {$3500.00}. Or, I possibly can reinstate for {$560.00} by XXXX XXXX. These people target XXXX customers ... with whom I was with before XX/XX/XXXX. I believe they target XXXXXXXX/I am XXXX ... XXXX customers in the hopes they we do n't notice their lack of business skills & get caught up into the mess I 'm in. This happened to a friend of mine ( XXXX yr old XXXX customer ) who lives in the northside ... but she could n't talk when approached because she is her mother 's caregiver. She told XXXX to come back " next week ''. In the meantime she called XXXX and was told what has been going on. When XXXX returned she had her cell phone ready & recorded the exchange & says she too the salesperson 's picture. She told him to get off her property & told him never to return. She was spared this mess. I have apologized to XXXX ... twice & I want them back ... if I am ever able to get out of this! The lie was " upgrading to wireless '' & save a little bit of money ( from {$43.00} to {$39.00} monthly ). What are my " rights '' in this " set up ''? XXXX & XXXX ... installers & monitors seem to have it all in their court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP
State: TX

Complaint narrative:
I received two letters and they both were dated for XX/XX/2017 from XXXX different collection companies. I made an settlement agreement with Capital Management Services, L.P., but decided not to pay because one letter state XXXX XXXX XXXX out of XXXX, SC and the second letter was from Capital Management Services out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bryant, Hodge & Associates LLC
State: FL

Complaint narrative:
This person who calls himself " XXXX XXXX '' from Bryant, Hodge and Associates claims to have my social security number from my employer and is very belligerent and uses very abusive language. I 've told them several times to stop calling me and send me a letter verifying the information and they refuse and just keep calling me

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Asset Management, LLC
State: MD

Complaint narrative:
Company keeps calling my family members and my place of employment on a debt over 15 years ago.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC
State: FL

Complaint narrative:
The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America sold my mortgage in XX/XX/XXXX. XXXX ultimately took on my home mortgage in XX/XX/XXXX and they modified the loan in XX/XX/XXXX. Bank of America continues to report my loan as delinquent in XX/XX/XXXX even though they sold the loan in XX/XX/XXXX. Since my modification, I have had stellar payment history only to have my credit ruined by Bank of America 's practices. I have disputed this several times with BofA through online disputes, only to have them not correct the issue and continue to report incorrectly. My husband is a fully retired XXXX vet and due to this error on BofA 's part, we were denied a VA mortgage loan.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.

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 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had XXXX student loans from XXXX on my credit report. I was contacted by someone named XXXX from their company in XX/XX/2014 telling me there was a new government program that would remove all the student loans from my credit if I successfully made 6 months of payments, as long as I email him stating that I would n't dispute the loans. I set up an autopay from my bank account to pay my loan and ended up speaking to them again, where they offered me a forbearance period. During this time, they sold my loans to Navient without me being aware. My autopay stopped paying my loans to the new lender and I ended up getting 6 months late on my credit report as a result. Since then, I 've fully paid off all my student loans and am in a terrible situation because I now have XXXX 6 month lates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC
State: GA

Complaint narrative:
Upon Gradutiong from XXXX XXXX XXXX University I had signed up with a program called " The Student Loan Relief Department '' and was under the impression that all of my loans would be consolidated by joining : in which I was 1st asked to make a payment of {$240.00} by XXXX/XXXX/2016, but in which was taken out of XXXX XXXX Account on XXXX/XXXX/2016 in which I did in a signed document in which I received several " fail to sender notifications '' & that it was signed incorrectly. and a later payment of {$240.00} as well all totaling up to XXXX. Afterwards I contacted my bank as stated and they tryed looking into where the {$240.00}. During the process in between the wait time of the 1st payment until now, I heard negative things about doing so, thus I contacted FAFSA, Navient and several Federal Govenment Aid programs asking about the whole process in which I was looking to get completed. Shortly after doing so I 'd realized that things just did n't quite match up and had serval hard times contacting the company & speaking with an Agent/Representative, at times I was able to do so, but not as often as I 'd like to secure become 100 % comfortable with my decision. It never seemed to be enough though, so I recently tryed backing out of the program or at least stop the process for a brief period of time until I could gather myself and get all of the information needed upon doing my research until that point, in which as stated I 'd done so ; sadly though I was told that program did n't offer a refund in regard to all the research they 'd supposedly do n't in locating my info to further the process. Overall thus is has occurred to this current date XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USI Solutions Inc.
State: FL

Complaint narrative:
In 2012 XXXX installed a security system that never worked properly. It was " repaired '' and failed again a day later. After many calls, we cancelled their service for non performance. They were sent certified letters detailing the issues and explaining that we would not pay for something that did not work. 
They have now sent this to a XXXX or XXXX collections company and I have to explain the issues repeatedly. Now USI solutions is calling and sending letters after about 2 years of no contact at all. Their rep is very aggressive and nasty even after I explained the problems with the XXXX. 
USI Solutions XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Asset Services LLC
State: OH

Complaint narrative:
I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stephens and Michaels Associates, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I received a letter stating I owed XXXX for a XXXX XXXX. On XXXX XXXX, XXXX I sent a letter stating that this was not my account as I was am minor when this account appeared to be established. I sent a copy of my ID and Social Security Card. I received no response. My DOB is XXXX XXXX, XXXX. I received no response. 

On XXXX XXXX pursuant to FDCP Act 15 USC 1692g sec 809 ( 8 ) I sent a request for Validation of the debt. As of XXXX XXXX, XXXX I did not receive a response. 

On XXXX XXXX, XXXX. I contacted XXXX XXXX Fraud Department and was informed the account was established XXXX XXXX. At that time I was only XXXX years old and not able to legally enter into any contract as I was a minor. 

Stephan 's & Micheal Associates have violated the FDCP Act in multiple ways. 

This account was placed on all XXXX credit bureas while I was utilizing my 30 days to dispute the debt.

Company response to consumer: Untimely response