vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I contacted the XXXX to help me obtain a letter from Dynamic Recovery Solutions to have an inquiry on my XXXX credit report removed. 
When I contacted Dynamic recovery solution they would not allow me to have any information involving the account because the social security numbers do not match, therefore how is the account mine if I can not access it due to the social security numbers not being a match. I have not owed any outstanding debts involving my credit in over 7 years, therefore Dynamic recovery solution had no grounds to access my credit information and it should be removed. 
Although this matter on my credit report is somewhat resolved, I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again, I have not had any outstanding debts over the past 7 years and according and to Section 213 ( 2 ) of the CPLR it states that the statute of limitations to commence an action upon a contractual obligation or liability, express or implied, except for residential rent overcharge, certain transactions described in the Uniform Commercial Code, or warranties on new homes, must be brought within 6 years after the cause of action accrued. This statute of limitations includes all " consumer credit transactions, '' such as credit cards, and is calculated to run from the date of the last transaction ( either the last credit purchase, or the last payment made, whichever occurs last in time ). 
The purpose of contacting CFPB on this matter is to reveal how Dynamic Recovery Solutions did not abide by Section 213 ( 2 ) of the CPLR, in which DRS should be very familiar with considering the nature of the business. Furthermore, DRS still has not provided any proof as to whom hired them to inquire about my consumer credit report to the XXXX. And on the letter they emailed me, it clearly has the wrong social security numbers. I hope CFPB requires DRS to produce the proof leading them to obtain my consumer credit report, which is the whole purpose of this complaint. DRS is a company that could get anyone 's information at their fingertips, and should be investigated for not following guidelines. I pray that CFPB thoroughly investigates this matter and is able to help in aid to put DRS in some type of violation of code due to this kind of intrusion of my personal information. Federal law strictly regulates who can obtain a copy of your credit report. The Fair Credit Reporting Act ( FCRA ) lists the " permissible purposes '' for obtaining a person 's credit report and I believe DRS did not rightfully have one. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Rhode Island Student Loan Authority
State: MA

Complaint narrative:
I am a co-signer on XXXX my daughter 's Rhode Island Student Loan Authority loans. We requested my name be removed from the loans and were refused because according to RISLA she did n't have enough credit history ( her credit is in the XXXX 's ) RISLA would not count any of her student loans towards her credit lines.. She received a letter dated XXXX/XXXX/16 from a XXXX XXXX Loan Originator for RISLA that if she was still interested in the co sign release we should resubmit, due to a changed that RISLA updated their underwriting guide lines and now consider her student loans as part of her credit history. We resubmitted the request to remove my name from her loans. 
On XXXX/XXXX/16 We received another letter stating again the co signer release has been denied because my daughter does n't make a minumum of {$40.00}, XXXX a year. 
XXXX. Never in the original agreement with RISLA did they state they would n't count all loans as part of her credit history. 
XXXX Never in the original agreement with RISLA were we told she had to earn over {$40000.00} a year to remove my name from the loan. If she is n't making enough money to pay the loans how did she get years ahead on the open ones and pay the others off? 
XXXX My daughter had no income at the time these loans were made and I was n't making {$40000.00} a year when RISLA approved them. 
XXXX. XXXX/XXXX/16 RISLA told us the only requirement she had n't met was that she needed XXXX more credit card now this feels more like a bait and switch. She met that requirement and they now changed the rules again. 
XXXX. In my opinion RISLA is being deceptive by leading consumers to believe that the only requirement to removing their name from loans is that the student has a good credit history and pays loans on time for two years She has more then exceeded the original requirements RISLA led us to believe we needed to remove me from these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: OH

Complaint narrative:
This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: TN

Complaint narrative:
I have made my monthly payments as scheduled and above the monthly minimum. The monthly Minimum was XXXX because I was on an income based repayment plan, and I have been paying {$2000.00} a month. I have applied for a higher minimum payment based on new income, but that is still in processing. I have not missed any payments. Navient reported to the credit bureau that I missed payments on XXXX loans. Two separate Navient representatives I spoke with agreed with me, and told me that if I sent in a copy of my credit report, and my payment history the marks on my credit report would be removed. After sending the information, Navient informed me that they would not remove the charge from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Data-Central, LLC
State: CA

Complaint narrative:
This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Service Finance Holdings, LLC
State: MN

Complaint narrative:
We purchased a new door through XXXX. They verbally called Service Finance for approval and told us the payment would be $ XXXX/Month. We did not sign anything related to financing at this time. We then received a statement from Service Financing for {$240.00} monthly payment. When we questioned it, they provided the paperwork that they say we signed. The signature on the document is forged, it is not my signature, and it is clearly copied ( the exact same signature ) multiple times throughout the document. It is not dated, and the section asking for my birthday is not completed either. 

We advised Service Finance Company , LLC that we believed our signature was forged and were disputing this, and they still sent us to collections! Now my credit has been impacted. 

In addition, the financing never should have gone through, because XXXX did not schedule the inspection ( he arrived unannounced ) and was not allowed into the home, so he could not have correctly signed off on the inspection as it was not completed. But I believe that is an entirely different issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a debit card loaded with {$150.00} from www.netspend.com. the card said ai had to call a number to activate it. After XXXX tries the recording said there was a problem activating it. I spoke with XXXX woman from whom I was disconnected. Another man connected me to a supervisor who told me the card was limited to instore transaction which I did not want and he could n't fix it, claiming it was irreversable. I was trying to get information and he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CHS, Inc.
State: NC

Complaint narrative:
SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: KY

Complaint narrative:
I was sent an offer for a prepaid card in the mail that included a printed card with a pre-activated account. I did not ask or authorize for this account to be created. This type of advertisement is dangerous as the card could easily be activated without my consent. I tried to contact the company, but am unable to reach a representative at any of their numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Arbitration Forum
State: TN

Complaint narrative:
they are calling asking for someone who does not live here..have asked them to stop calling but they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!

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 2017-02-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: WV

Complaint narrative:
I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.

Company response to consumer: Closed
Consumer complaint received 2016-01-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: RAYMOND JAMES BANK
State: MO

Complaint narrative:
I had CDs on the other ( outside ) side of the bank ( XXXX ) that paid a better interest rate with a custodian ( Cetera ), whereby they opened and moved those assets to Raymond James Financial that I did n't request, The service was inappropriate, was stated soon to be a floor of {$500000.00}, and that a transfer fee to an existing other ( TDA ) account would be " waived ''. The account annual fees were substantially higher, and the transfer fee was not waived, I was lied to, feel that the entire process was an act of fee engorgement and account churn for the institution, and not the client.

Company response to consumer: Closed
Consumer complaint received 2016-11-15 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I do n't know where this XXXX bill came from.! I 'm trying to fix my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX XXXX I used a Promotional Offer Access Check from my Bank of America Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Bank of America today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Bank of America and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.

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 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation