vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Richard J. Murphey, Attorney at Law
State: CA

Complaint narrative:
On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Peterson Enterprises, Inc.
State: UT

Complaint narrative:
Hi this debt on my XXXX report from valley empire collections is innacurately reporting negatively on my credit report. This debt has not been validated I have not received one notice nor any proof or disclosures of this debt. It is in the amount of XXXX and acct number showing is XXXX

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. We have opened and have been using checking and savings accounts with Wells Fargo Bank. 

2. Recently, we have started noticing evidence that all of our accounts with Wells Fargo have been controlled by the National Security Agency from the time we opened our accounts until now ( as of XX/XX/XXXX ). 

3. National Security Agency decides what transactions will be approved at what time in our accounts with Wells Fargo. 

4. We have also uncovered evidence that National Security Agency has been XXXX our family as you read this. This led us to the discovery with respect to Wells Fargo Bank. 

5. We want to know from Wells Fargo, Answer to the following question : " Did Wells Fargo at any time worked with the National Security Agency with respect to the activities in our accounts? ".

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 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have XXXX lenders stating that I owed them a {$4000.00} loan from XX/XX/2006. I have a private loan but it not them. I am attaching documentation from University XXXX and neither of them is the Lender. They are destroying my credit.

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

Complaint narrative:
( 1 ) INCORRECT DUE DATES ONLINE : Navient now uses a new website & my loan due date on the website is incorrect. On XX/XX/XXXX, I was able to access both the old & new website. I was able to access the old one by chance as the link was saved in my browser. The new website listed a due date of XX/XX/2017, & the old website XX/XX/2017 for the same loan. I verified the correct loan due date with a representative on XX/XX/XXXX. The correct date is XX/XX/XXXX. Representative confirmed that the due date on the new website is incorrect, but it 's a technical glitch that they ca n't change. I can no longer access the old website, so the only information available to me as a borrower is incorrect & reportedly will not be changed. 

( 2 ) NO LONGER A WAY TO VIEW & PAY INTEREST ON LOANS NOT YET IN PAYMENT : The Navient website does n't provide a way to view interest that accumulates on loans that are not yet due and make payments. I have been making payments towards the interest on my loans while in law school. The old Navient website provided a way to clearly see a summary of all loans, the precise amount of interest accumulated, & had a way to make a payment towards interest online. On the new website, there is no way to view this information -- ca n't access the current amount of interest on loans or pay it online. I confirmed this with the personal representative on the phone XX/XX/XXXX. The only way to find out the interest & make a payment is by calling. Navient has re-designed their website to make it more confusing & impossible for borrowers to make payments online that would help reduce their loan size! 

( 3 ) EMAILS WITH INCORRECT ACCOUNT INFO : Navient sends emails with incorrect information about my account & I confirmed with the representative by phone that this is just a glitch that can not be fixed or accounted for. Ex : on XX/XX/2017, I got an email regarding quarterly interest payments. It listed amounts for interest & principal that do not correspond to the amounts I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Earm LLC
State: CA

Complaint narrative:
Before I begin with the issues, I do want to make reference that the name that they have the debt under for me is my prior married name, XXXX XXXX, not XXXX XXXX. 

There are multiple issues with this debt collector. The first is that they are unwilling to provide me with verification and validation of the debt. The only documentation that they can provide is a letter from themselves stating the balance that I owe. I do not remember taking out the debt and they can not provide me with contact information for the company that they are attempting to collect he debt for so that I can validate that it is legitimate. They will not provide me with the date that the loan was originated so that I can verify that funds went into my bank and confirm who the loan was taking out with. They can not give me the original contract for the debt that I signed. They ca n't confirm anything. 

The second complaint, is that they call themselves a mediation firm and the collectors that answer the phone reference themselves as Inspectors as though they are part of law enforcement. Specifically XXXX XXXX XXXX XXXX x XXXX. I have been receiving phone calls now since prior the middle of XXXX, where after I request documentation or to speak with someone higher up, they hang the phone up on me. I have been told that I am going to go to jail if I do not pay the debt owed. Since I am not complying, court paperwork has been filed and that I will be served paperwork to show up in court. They have told me over and over that since I did not take the offer provided and make good on the debt that I owe through our conversation that I was being pursued for Fraud and some sort of Money Evasion, I can not remember the legal term that they used. 

Third, they claimed that they traced the IP address that I took the loan from and were able to validate the home address where I took the loan from. However, they could not validate the date that the debt was originated. I do believe that tracking someone 's IP address down is illegal unless you are law enforcement. 

Fourth, I am being contacted by a process server company that is trying to obtain my personal information in order to serve me with paperwork. The same process server is calling my family claiming to be with CHILD SERVICES and they desperately need to get in touch with me in regards to my children and need my home address. Their tactics are fowl.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me an overdraft on my account ( {$35.00} ) for withdrawing at my ATM. They said I already had overdraft protection on and thus should not have an option to withdraw more, but they apparently the ATM prompted me with an option to agree to waive that protection. I am XXXX, thus did n't read it. I called to get the fee waived out of courtesy, but discovered they had predatorily ignored my request to have overdraft protection on. They were in the wrong.

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested credit line increase and they did not notify me of the hard 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 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX has been harassing me in an attempt to collect a debt that was paid off over 10 years ago. This is another collection company that is trying to collect on a debt that was paid. This company threatened to take legal action on the very first call to me and would not listen to my side and kept changing their version of supposed previous events from a previous attempt. The caller tonight became verbally hostile on the phone and when asked for a cancelled check for a cancelled payment said they would not discuss the issue anymore and would see us in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE
State: AL

Complaint narrative:
I completed an online mortgage application ( jointly, for myself and my spouse ). Two days later, I noticed that both my and my wife 's XXXX credit scores had dropped by over XXXX points. I expect a slight drop after a hard inquiry, but nothing close to XXXX points! When I investigated, I learned that AimLoan had made XXXX separate hard inquiries one day apart - once on XX/XX/XXXX and once on XX/XX/XXXX. There was no change in the scores reported on the XX/XX/XXXX and XX/XX/XXXX reports they received ; however, immediately following the second inquiry, our XXXX scores were dramatically hit. When I initially asked AimLoan why XXXX separate inquiries were made, several representatives told me that it should only count as one inquiry and that I should " not overreact '' to a " slight drop '' in my credit score. Unsatisfied with that answer, I continued questioning AimLoan representatives further. I then learned that they first ran our credit scores individually. Then, when they realized their error ( that the initial paperwork was for a JOINT mortgage ), they ran us a second time jointly the following day. I spoke with a XXXX representative and they stated that AimLoan could call them directly to have XXXX of the XXXX inquiries removed and correct our credit scores. To date, I have asked AimLoan representatives multiple times to call XXXX and they have refused. Even though they have assured us multiple times that their inquiries should only count as XXXX hard inquiry, they are unwilling to call XXXX to ensure that result. The loan is still in process, and given the company 's lack of concern and unwillingness to make a simple phone call to correct their duplicated hard inquiries, we are beginning to feel like they 're trying to prevent us from shopping around/getting a competitive rate with this significant hit to our credit scores. I 've talked to XXXX different AimLoan representatives and attempted to work through their Complaint Department and have made no progress. No one will explain to me WHY they wo n't call XXXX to have this simple error corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LN CAPITAL CORP.
State: NY

Complaint narrative:
I have been helping client of mine with a mortgage application and working w XXXX Mortgage has been nothing but a nightmare come true, starting from their representative to their processing and underwriting. In my past 15 plus years experience I have never dealt with people more unethical and nothing but bunch of non experienced bunch of nobodies.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am being charged for an overdraft fee when the online banking and mobile app state otherwise regarding funds available. The process of them debiting and crediting my account is off from what they were explaining to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: College Foundation, Inc.
State: NC

Complaint narrative:
XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.

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 2015-05-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.

Company response to consumer: Untimely response