vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.

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 2019-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My loan was transfered from XXXX to XXXX  XXXX  XXXX. I mistakenly made my XX/XX/XXXX mortgage payment to XXXX after the transfer date. I sent the payment on XX/XX/XXXX. XXXX said they sent the payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX has not recieved the payment. XXXX sent me a letter stating they recieved the payment and forwarded to XXXX XXXX bit they will not provide me any tracking info. XXXX XXXX has stated it takes 30 days to " hit '' my account. That changed to 45 days and now 60. I filled a missing payment request with XXXX XXXX. I was told it takes 7 to 10 business days to investigate. It now has been 13 days with now results. XXXX is unwilling to help me at this point and XXXX XXXX keeps putting me off. At this point no one can account for the {$1700.00} payment I sent for XXXX. XXXX XXXX wants me to make my payments like normal but I feel the longer it goes the more complicated this gets. I need to get the money applied to my account so I can get straightened out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child

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 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
When I started to repay theses loans years ago I was encouraged to make interest only payments. It was described to me that I would be paying down a set amount of interest and when I could later afford to make higher payments, the interest owed would be paid down and I would be making payments towards the principal. Long story short, I was misled into believing I was paying down a predetermined set amount of interest. I am still paying a great deal of interest. Over the years I have paid around {$10000.00} in payments and today I owe more than I ever borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
The company ARA ( XXXX XXXX XXXX ) contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX * XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from XXXX from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
This is a follow up to complaint # XXXX. 


MB is simply not telling the truth in their denial of the {$350.00}. Their initial excuse for denying me the bonus was that a Tax Identification Number was needed to open the account. When I pointed out that no such requirement was in the promotion, they then changed their excuse to the one provided in the above Complaint. 


The newest, and incorrect, excuse is that I previously received a bonus in XX/XX/XXXX on a personal checking account and therefore was not eligible for the bonus on the business checking account. 


MB 's own records will reveal that I received BOTH a personal checking bonus AND business checking bonus in XX/XX/XXXX. Therefore, the most recent excuse is simply a knowingly false representation of their own agreement and prior practice. 


The fact is that MB has paid numerous people two checking bonuses in the same year ( personal and business ) and they must honor not only their previous practice but the language and spirit of their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I visited XXXX  XXXX in XXXX, GA, I don't recall the reason for the visit. It must have been 6 or more months later, I got call from someone by the name of XXXX, who I imagine is in charge of payments, telling me my account is in collection and then hung up. It was impossible to reach her therefore being suspicious of that I stopped by the clinic to see what that was about, to my surprise I owed money to the clinic which I should not have because I had insurance. The clinic failed to send the bill over to my insurance. I asked for the full balance in order to pay and effectively have this removed from collections and no longer affecting my credit report. I paid {$220.00} and was confirmed that it would be removed from my report. I left things at that, thinking that I resolved this debt. 
Years later, on XX/XX/XXXX I applied for a XXXX  credit card, and lucky me XXXX uses XXXX  as their credit bureau or I would've taken longer to find this out. I came to find out that this debt that I previously had was not registered as paid off. The reason for the credit card decline was COLLECTIONS, therefore here I am attempting to get this removed. 

Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA 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 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to  contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.

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 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Sent payment XX/XX/XXXX. Payment reversed back to bank & account not found. 
XX/XX/XXXX- upon registering online to view my dashboard I noticed my account was put into administrative forbearance without my consent between the end of XX/XX/XXXX & middle of XX/XX/XXXX. 
I have since acquired over {$100.00} in interest. 
XX/XX/XXXX Called shortly after XXXX, first representative I spoke with told me they did not have my address on file and wanted to fix it, I declined wanting answers on the changes to my account. She tells me it was done by the government because of FEMA- I lived in an area of catastrophe. She then corrected herself and placed me on hold. Under 10 minutes she comes back explaining it was done by law do to my lawsuit of bankruptcy in Texas. ( I AM A PA RESIDENT ; NEVER FILED BANKRUPTCY ) I ask to speak to a manager or supervisor. 2nd representative ( XXXX ) comes on the line completely unaware of the previous conversation ; and asks me to clarify my mailing address. ( First representative didnt have it?! ) I explain to her I wish to speak with a supervisor ; someone who knows the ins and outs of the company. She transferred me to XXXX XXXX. He also has my address on file that the first representative said she did not have on file. He explained it very poorly about a bankruptcy lawsuit in Texas, my account would be pushed into claims as a priority to understand how my account was placed in administrative forbearance. I would receive in writing what exactly happened within 7-10 business days. I was extremely confused and asked him to explain the lawsuit information as he had explained In such a way I thought my information was used in Texas of which he said the allegations were not towards me in any means. When I asked if it was the lawsuit against them he said he couldnt speak due to legality terms. They couldnt even advise me on what I needed to do next besides wait for their letter in writing! 
They wont accept payments yet its negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. 

On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. 

This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.

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 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: MO

Complaint narrative:
XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 

1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 
2. ) I have never been on 495/95 and did not know it was out east until looking it up. 
3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The company XXXX ( XXXX XXXX XXXX )  contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX XXXX XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from Citibank from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.

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 2019-01-29 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: MI

Complaint narrative:
I have disputed an inaccurate account from XXXX XXXX XXXXXXXX XXXX for {$1300.00} ( 3 times ) since XXXX18. This is an inaccurate account. I do not owe this company.

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 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I have previously asked Amocol for validation of these alleged debts and accounts on XX/XX/2018, XX/XX/2018 and XX/XX/2018. Twice they have ignored my validation requests that were requested through the the XXXX major credit bureaus for 3 different accounts for amounts of : {$180.00} {$1200.00} {$920.00} I have attached the credit bureau disputes for XXXX  and XXXX. 

I have asked for original documents or contract with original signatures for this. I have asked for a chain of title if account was purchased from another company. And if this is any kind of medical bill or records being shared with a non medical company without my written permission that has to be a HIPAA and FCRA violation. I am asking that these accounts be " validated '' or immediately deleted from my credit bureaus.

Company response to consumer: Closed with explanation