vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwestern Investors Group, LLC
State: MI

Complaint narrative:
First threatening phone call made on XX/XX/2018. A message stating a case number, a 24 hour deadline, impersonating a police XXXX, threatening legal action and arrest was left on my grandfathers answering machine. He called me afraid for me. XX/XX/2018 I called back XXXX XXXX XXXX. While on the phone with a XXXX XXXX, XXXX XXXX, trying to sort out why I was being called about a debt I had already paid the year before to a Foster and XXXX, I received a phone call from my grandfather who said they had called him a second time. Again aggressively threatening to put me in jail, court action, using foul language, and giving a 24 hour deadline. I was unable to sort it out with them. They demanded proof of the debt behind paid off. Bank records werent enough. They wanted a letter from the previous company. I called XXXX and XXXX who conveniently had no record of the debt or me paying it off. They directed me to a Southwestern Investor Group who they said hired them to collect the debt. I called Southwestern Investor Group who said they only had record of one payment. They put me on hold, when they returned they said they would mark it as paid, they would mail out a letter ( I  never gave an address ), they would email ( they did ask me for my email address ) me a copy to forward to XXXX XXXX XXXX, and they would contact Cornerstone who they sold the debt to, let them know it was marked paid, and who they assumed hired XXXX XXXX XXXX. I never received an email. I called back around XXXX, as their website says they are open until five Monday  through Thursday. I was sent to an answering machine that said their hours were until XXXX. And, their answering machine was so full I couldnt even leave a message.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
As of XX/XX/XXXX pnc stop sending the monthly account statements on my second mortgage equity line of credit. I have made numerous phone call to pnc in regards to the problem. They have no answers only that they are not sending out statements to people that have filled bankrupt. I had to file bankrupt 10 ten years ago the great recession that they had alot to do with. The loan agreement stated they would send out monthly statements. I fell this is some kind of game pnc is playing to cause me problem with my second mortgage account. I have made payments on time for the life of the mortgage loan taken out in XXXX. I have attached the only information i can get and have received from pnc regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THEM REPORTING ACCTS THAT ARE PAID OFF, THEY ARE REPORTING THEM AS A BANKRUPTCY AND UNDER WRONG INFO. THEY EVEN SENT ME PROOF SHOWING THESE XXXX ACCTS ARE PAID IN FULL BUT THEY KEEP REPORTING INACCURATE. 
I WILL SUBMIT INFO SHOWING PAID FOR BOTH ACCTS. ALL INFO ON THESE TWO ACCTS ARE INACCURATE..

ACCTS INFORMATION THAT IS REPORTING FALSE : XXXX. XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX THEY ARE REPORTING FALSE TO BOTH XXXX   REPORT AND EXPERIAN..

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 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
A soft credit report was done by NorthStar Prime Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from NorthStar Location Services. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted NorthStar Location Services and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX soft credit pull they did I notified NorthStar Location Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking NorthStar Location Services to validate a debt they did not respond in 30 days. I eventually found the original letter from NorthStar luckily I disputed within 30 days and have my rights per FDCPA. NorthStar did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! NorthStar is working with another company, XXXX XXXX XXXX. XXXX  never contacted me after I asked NorthStar to  validate within 30 days. Neither company validated or contacted me per FDCPA. XXXX XXXX XXXX has put derogatory marks on all three of my credit reports even after and NorthStar failed to validate. After XXXX hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with NorthStar before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent NorthStar Location Services and XXXX XXXX XXXX. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. 

XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 

1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 

2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager  I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. 

I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.

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 2018-06-25 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: GA

Complaint narrative:
I learned at the end of XXXX that my information had been used to open and pull my credit for auto loans. All fradulent activity took place bettwen XXXX. 

First I contacted Transunion to dispute a hard inquiry on my account that I didn't recognize. They informed me that I need to contact the bank who pulled my credit, XXXXXXXX XXXX. 
At the beginning of XXXX contacted XXXX XXXX to remove a hard inquiry. XXXX informed me that I need to fax the information to them for them to submit a deletion letter to transunion. 
On XX/XX/XXXX, I faxed the police report, identity theft report, letter to remove the inquiry to XXXXXXXX XXXX. 
On XX/XX/XXXX, I called Transunion to see if they go any correspondence from XXXX XXXX. They didn't. 
The person I spoke to, said the only way i can get the inquiry of my credit report is if I get a letter of deletion from XXXX XXXXk XXXX which i tried to on XX/XX/XXXX ) Side Note-During this time the credit bureau received information to delete a fraudulent CC that was opened under mine name ( from my information being compromised during the XXXX   breach ) which was open days before this hard inquiry was placed on my account. But they say they don't have any information to remove the hard inquiry. 
-they also know that i have identify fraud because they have applied an extended credit monitoring note on my account for 7 more years. 
-- So I am really confused, I am having more trouble removing a hard inquiry from my account than an XXXX fraudulent open credit card. Please help me get this last fraudulent thing off of my credit report.

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 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX  soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review. 

Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX had contacted my husband who is not on my account nor have I given them my husbands infomarmation at all. They had left him a message with my information and threatening message. This had caused a lot of problems between me and my spouse. I contacted them and they did nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Contacted by Navient ( XX/XX/XXXX ) about student loan I apparently co-signed for my wife ( at the time ). Requested proof, they said they've been sending it to me, but I've not seen any. I told them to quit calling. 

Contacted by XXXX XXXX XXXX in ( XX/XX/XXXX ) about same loan. Requested proof. They sent me the application / contract that was supposedly faxed from the school to Sallie Mae ( Loan was from XX/XX/XXXX ). 

I have a problem because they sent the cover letter ( # pages whited out ), application ( signed XX/XX/XXXX ), and contract ( Copyright XX/XX/XXXX ). Further, while the application has the fax headers, the contract does not. It's clearly been pulled from some other file to be included with this one. I can't imagine this to have been done unintentionally, as the contract would have been included with the fax. Someone thought enough about it to alter the cover letter, hiding the # of pages in the original document. I find it troubling, that a company currently involved in a lawsuit regarding unethical ( at best ) behavior would conduct themselves in such a manner. 

I would like to point out that I'm named as the co-borrower on this loan, and the primary ( XXXX XXXXa ) passed away in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business. 

Such as : Why would I get a loan? 
Did I know about the details? 
What was the loan for? 

So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX I was a victim of card theft. I report my card stolen and Bank of America advised me they would close my account as a result of the incident. Which I did not have a issue with. It is XX/XX/XXXX, I am XXXX XXXX XXXX   and trying to open a bank account so I can get things in order for my family. I got rejected due to being flagged by a system called " XXXX XXXX ''. Bank of America failed to advise me I owed a balance of {$2.00} before they closed my account and placed me on the " risk '' list. Really?? I'm a risk because of a XXXX $ overdraft. When I spoke to the rep she said they do not have to advise me of how much I owe because its my responsibility to know. When the blocked my access online so I was unable to check my account balances and no on told me this when I closed the account.

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 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GreenSky, LLC
State: WY

Complaint narrative:
On XX/XX/2017, XXXX XXXX XXXX  offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX  XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account   and " XXXX '' connected to a XXXX XXXX XXXX  account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX  XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX  breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX and Emperor XXXX XXXX XXXX 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 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX Citi Card charged an auto pay against my checking account in the amount of {$290.00} and previously instructed by myself. Instruction was to pay statement in full. 

On XX/XX/XXXX Citi Card charged to my checking account {$1100.00} which was the balance since the last statement but the XX/XX/XXXX statement had yet to be produced. 
Called Citi Card customer service, XXXX, to which the agent agreed the charge to my checking account was premature and would process a reversal. 

On XX/XX/XXXX called customer service and talked with a Supervisor, XXXX. XXXX advised she would follow up on the reversal which should be completed by Friday XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised she would expedite which should complete by Monday, XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised the reversal was approved on XX/XX/XXXX and would take another several days to credit my checking account. 

Help,

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 2018-06-25 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Obtained a VA mortgage with Wells Fargo on/about XX/XX/2016. 
Terms of agreement as explained to me, was a bi-weekly partial payment ( approximately 50 % of monthly mortgage ) every other week, satisfying the minimum monthly mortgage amount. 

Advantage of terms of agreement as described by Wells Fargo : each partial payment made bi-weekly would be applied toward the principle balance, making it possible to pay down the principle of the loan much faster than if I had made a single monthly payment every 30 days. 

Discovered after perusing through monthly mortgage statements that bi-weekly mortgage payments were not being applied to the principle amounts. Instead, biweekly payments were being held by Wells Fargo until the full amount of the minimum monthly mortgage payment was received by Wells Fargo.

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