vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  XXXX   XXXX   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 2017-05-18 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: MD

Complaint narrative:
Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.

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 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A bill pay check for {$310.00} was sent to  Wells Fargo  on  XXXX  against a closed account, and cashed by them on  XXXX . This was sent accidentally, as I have a valid car loan contract with them and the check was meant for that  (  second check was already issued for that ).     I believed since the account was closed,  Wells Fargo would act in good faith and not cash it. I called wells Fargo  as soon as I discovered this and was told it would be refunded within  two days. After a week with no refund/correspondence I had a conference call with my bank ( who issued the bill pay check ) and Wells Fargo  who assured me this would be refunded within a week.     It 's now  two weeks later, and 3 weeks since this has begun. Wells Fargo is  conducting radio silence, and every time I call, I 'm told they will look into this. As they promised resolution ( on tape ... I recorded the conference call ) and have not honored their word, contract, and to be honest stopped stealin g ( took money, nowhere to allocate it to, promised to reimburse ... now ignoring follow up requests ), w hat can you do against this theft/bank fraud?

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 2017-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called  Amex  customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient acquired my loan under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
VIOLATING FDCPA LAWS ON REPORTING ACCOUTNTS NOT AUTHORIZED OR VERFIED.

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 2017-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chaplain Financial Services LLC
State: NC

Complaint narrative:
I have been contacted several times from a company claiming that I owe a  cash advance loa n in the amount of {$3300.00}. They have contacted my home and place of employment even after I have requested that they cease. The company representatives have threatened to place a lien on my home, have me served at work and my pay garnished. When I contacted them at  XXXX ,  XXXX   XXXX  as they request, they will not provide me with any information unless I verify the  last four digits  on my social security number and other personal information, which I refuse to do, after which they hang up on me. I have never tak en a cash advance loan, so I know the loan is not mine, however they will not stop con tacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd p arty agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )

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 2017-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX   (   XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  XXXX  which is a violation of the law ). Barclays Bank DE,  XXXX   XXXX  and  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd  party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 2017-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: AL

Complaint narrative:
The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 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: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
This company is calling my family and sharing information about the debt with them. My mother answered the phone and they asked for me and she told them that she was my mother and they proceeded to give them the amount of the debt, the original debtor and asked how she would like to pay for this. She told them again that she was my mother and he asked if she would like to help her daughter out and pay this debt. My debt is my business, not my mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion,   XXXX  , and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more than two years and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from TransUnion and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the   XXXX   from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please 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 non-monetary relief