vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: SC

Complaint narrative:
I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX  XXXX XXXX XXXX, IS NOT BONDED IN THE STATE OF TN TO COLLECT DEBTS. THIS IS A VIOLATION OF THE TN RULES OF DEBT COLLECTORS. COLELCTION AGENCIES MUST BE BONDED AND LICENSED IN TN IN ORDER TO COLLECT A DEBT. 

XXXX XXXX XXXX XXXX, LICENSE HAS BEEN EXPIRED SINCE XX/XX/XXXX ACCORDING TO THE STATE OF TN DEPT OF COMMERCE AND FINANCE. 

THEY ARE REPORTING A DEBT OWED TO ALL THREE CREDIT BUREUS IN THE AMOUNT OF XXXX, OPENED XX/XX/XXXX. 

Tennessee Fair Debt Collection Practices Act 62-20-105. License requirement. 
( a ) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was actually attending the XXXX XXXX XXXX XXXX XXXX in XXXX Pennsylvania, But this school is not available on the list and has been closed. The dean was caught embezzling money, this chain of schools has lost multiple lawsuits due to their predatory loan system. They have been caught colluding with XXXX XXXX to increase student loan debt and using things such as false placement rates and led students to believe that they would not be making poverty wages once being placed in a job in their field. I was also told by XXXX XXXX not to even pay them anything if I could not pay more than $ XXXXmonth because it would not cover interest, and then proceeded to double my loan amount in late fees and interest. I would like to know if I am eligible to participate in a class action lawsuit against the school or XXXX XXXXNavient for conspiring to trick students into paying near 44 % MORE to attend these schools to get out and make poverty wages with no benefits. This company is very predatory and has hurt myself and many other students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am paying this debt on my time. They call several times a day from morning till night. from several different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX  ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it. 
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
REFERENCE CFPB # XXXX SECOND COMPLAINT _ NOT RESOLVED_ COMPANY RESPONSE IS NOT ACCEPTABLE. 

I REPEATEDLY TOLD THE COMPANY THAT I HAVE NO PERMANENT ADDRESS EXCEPT A XXXX XXXX I AM A XXXX  XXXX VETERAN I DO NOT HAVE ANY OF THE DOCUMENTS YOU REQUIRE TO PROVE IDENTITY SUCH AS DEED PASSPORT UTILITY BILL I PROVIDE THREE GOVERNMENT ID 'S TO YOUR COMPANY - THEY CANT BE ALL DARK COPIES. 

I PROVIDED THE TEMPORARY ADDRESS THAT I WAS LIVING AT FROM A SHIPPING LABEL. 

I PROVIDED THE RECEIPT FROM XXXX WHERE I PURCHASED THE AMERICAN EXPRESS XXXX CARD. 

THE RECEIPT HAS THE CARD SERIAL NUMBER ON IT. 

I HAVE FAXED THE RESOLUTION TEAM THREE TIMES AND THE CEO XXXX XXXX ONCE. 

I DO NOT HAVE ANY MONEY TO FAX ANY MORE TO YOU. 
I WANT THE MONEY THAT IS ON THE CARD IN THE AMOUNT OF {$100.00}. 

I WILL POST MY COMPLAINT ON SOCIAL MEDIA, I AM SURE AS A XXXX XXXX VETERAN, I WILL HAVE PLENTY OF SUPPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This debt does not belong to me and the company does not have a license to collect debt or operate as a collection agency XXXX XXXX ... .account # XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... .social security:XXXX.. 
Collection agency : Phoenix financial service ... 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 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am paying this debt on my time. They call several times a day from morning till night. from several different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.

I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport. 

Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB.

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
see # XXXX, base on our last communication with Nation Star dba/Mr. Cooper we regret to inform all parties involved that a resolution as NOT been reached. We have requested an appeal of the interest rate of 6.875 %. As of XX/XX/2018 this company has failed to do anything to assist us, besides answering the complaints. Regarding modifying our mortgage, the past due payments were placed at the end of the mortgage, increasing our loan balance. I received a call from a XXXX on XX/XX/2018 @ XXXX, responding to the modification returned unsigned. We have requested an appeal. This must be acknowledged. This person I spoke with sounded more like a trained collector. Nation Star or Mr. Cooper employees are not properly trained to address the dynamics of a mortgage, escrow, insurance, interest rates, etc. We were told that our interest rate could not be lowered, no explanation was given as to why. Each time we call, we are getting multiple representatives from various backgrounds and skills levels. Our POC is a person whose first language is apparently not XXXX, which is an insult to us. The person calling today name XXXX, did not share with me his position nor provide a last name. We regret being treated as second-class low-income citizens from a third world country. Modification documents were sent back unsigned, this was not a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I purchased a high school ring for my daughter from XXXX XXXX in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and XXXX  could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to XXXX XXXX? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
This company calls my ex-husbands grandmother on a regular basis- I am not sure who they are but they keep saying I owe them a debt. I have called back before and asked them not to call her as she is no longer family and they refuse to stop. Rather than stopping, they will tell her that I am going to jail for the debt I owe to them and that I defrauded their institution. After calling them back, the calls will stop for a month or so, but then they start again. I'm not sure how to get them to stop calling but this is very frustrating as I don't appreciate them sharing a debt ( that they have yet to confirm ) with other people. I also am concerned about her health, these calls stress her out and she is XXXX years old and taking XXXX medication. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: CA

Complaint narrative:
I'm a XXXX homebound senior and have been reliant on caregivers for the past 30 years. The Moore Law Group, XXXX XXXX, California is trying to get a judgement against me for purchases on a XXXX credit card that I did not authorize. I have asked the Moore Law Group for proof as to who applied for this card in my name and other information. I requested these specific details so I can adequately defend myself in court. The Moore Law Group is refusing to provide the information. My only source of income is Social Security XXXX, therefore I can not claim responsibility for bills that I did not authorise. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The Barclay Card Arrival Mastercard advertises itself as a travel card. This is FLASE ADVERTISING SINCE THE CARD CAN NOT BE USED INTERNATIONALLY. I called Barclays to let them know that I was traveling internationally to XXXX. While I was traveling in XXXX they CONTINUOUSLY CUT OFF MY CREDIT CARD. I answered their call multiple times to tell them it was me using the card and they continued to cut it off repeatedly. I spoke with customer service and the agent told me I had done everything that I was supposed to but could not guarantee that the card would not be shut off again. They REFUSED to keep my card active while I traveled, even though I REPEATEDLY confirmed my transactions and told them I was traveling and it was me using the card. If the card can not be used internationally, they should not be able to advertise that it is can, so they dont leave customers stranded with no form of payment. Their lies put people in dangerous situations.

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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 — Was not notified of investigation status or results
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. they didn't try helping me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
They continuously and repeatedly call me despite being advised I am not the person they are trying to reach. We share a name, but that is all. I have confirmed my information several times in the past, I have checked my credit reports I am not the person they are seeking. I am receiving multiple calls daily at this point interfering work, I have asked them repeatedly to stop calling. When they call they are badgering, demanding I give them my SSN or other personal info without providing any context to the call, it has only been when I call back that I am able to obtain the name of the company and discern the purpose of the call.

Company response to consumer: Closed with explanation