vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Navient to remove my deceased grandfather, who died on XX/XX/XXXX, as a co-signer. I had completely forgotten that he was on the account, due to the fact that I have been the only one paying on it since I graduated in XX/XX/XXXX. When I called, I reached the automated system and it asked me why I was calling. I stated, " co-signer death. '' The automated system then directed me to a prompt, which stated that I would need to speak to a representative. Instead of transferring me to a rep, the system disconnected on me, which was very frustrating, but I understood. So, I called back and got the automated system again. When prompted, I stated " representative. '' The system said, " In order to get you to a representative, I need to know the reason you're calling or I will have to disconnect the call. '' In my opinion, if I say representative, you transfer me to a representative. I understand that the company probably does this to eliminate transfers, but the first representative I spoke to had to transfer me anyways! So frustrating. Then I finally get to the agent that's supposed to " help '' me and they tell me that I need to mail in the original death certificate. My grandfather has been deceased for 3 years and now I have to find this death certificate, pay for postage, and send it in. Minor inconvenience, I thought, but then the representative asked me several questions about his death. " Did he go to a hospital? '' " Which hospital? '' " What funeral home was used? '' " What's his mother 's maiden name? '' " What's his father 's name? '' What is the point of all these questions if I'm sending you the death certificate?! That alone should be enough to remove him from the account. Before I disconnected, I asked the agent what would happen if I couldn't get the death certificate. The agent basically told me this was the only way to get him removed, so if I didn't do it then he would remain on the account. This was such a frustrating process, when all I really want is mail to stop coming to his old house. Not to mention the fact that I'm not even remotely close to having him removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter-Young Inc is incorrectly reporting a bill for {$210.00} for XXXX XXXX. I told them the bill was not mine. I am a current patient at XXXX XXXX and called them. They sent proof I do not owe them anything, my account is in good standing and that they in fact owed a credit to ME!! They said the account numbers didn't match. XXXX XXXX stated they do not have ANY acct number that matches the beginning numbers of # XXXX that the collection agency is reporting. XXXX XXXX sent yet ANOTHER letter stating that they searched ALL databases and I do not owe a bill. Carter-Young will not remove this bill even after they have received proof from XXXX XXXX stating I do not owe it. I sent copies of the envelop the letter came in, the letter, the ledger and the info regarding the refund they owe me and I am still fighting with this collection agency. It it unfair. I do not owe this money and they refuse to accept that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: GA

Complaint narrative:
Equifax sent me a letter stating that they found in favor of the companies that made these hard inquiries. I still cant log into equifax as they state my answers dont match. I feel they should have to provide proof of my requesting these companies to pull my credit. Most all web sites force you to sign up for an account just to view what they have to offer. At no time did I authorise the mentioned credit inquiries. None of these were utilities or any of the other excuses equifax stated in there letter to support declining removal of these fraudulent hard inquiries. I also find it odd they mail me a letter declining to remove these inquiries but I cant log in to dispute there findings nor did they inform the federal bureau of consumer protection agency that they had founded against me and closed this case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT FRANKLIN COLLECTION SERV To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA
State: GA

Complaint narrative:
In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
My credit files indicates that someone opened a loan / lease on XX/XX/2016 these ar ethe providers and I had not authorized the parties to use me this is effecting my credit and or ability to get credit tieing up my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for around XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I ordered ( XXXX ) 2 TV boxes with 2 lifetime warranties from XXXX XXXX XXXX and used my American Express Serve card for payment, {$170.00}. On XX/XX/XXXX I  cancelled the order by phone speaking with XXXX, the Customer Success Manager at XXXX, due to them not being in stock. I still have yet to hear from this company so I filed a dispute investigation with American Express online as instructed, spoke with someone at XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I faxed ( XXXX ) and emailed the proof of documents requested by them ( XXXX ) through the American Express Encrypted Email. On XX/XX/XXXX I get this email : After completing our review, we are pleased to let you know that the temporary credit of {$89.00} that we credited to your account on XX/XX/XXXX has been made final. This case is now closed. First of all, the amount of the refund is wrong and when I look at the refund that was actual credited to my card it was only {$67.00}. I tried calling XXXX and was told I can only email the dispute team they don't take phone calls. Like I said I provided proof three times to them and they are not taking the time to get it right. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
The company recently was bought and is transitioning to a new website. I attempted to log into their website and was then notified they had transitioned to a new site. I had to create a new account and etc. I use a credit union and the account information I enter with some institutions, I can omit the zeroes at the end of my account and some require them to be used. When I put in the account number apparently it was incorrect by XXXX standards and I was charged a XXXX NSF fee. After seeing the fee, I checked the old website and miraculously that website was active that day and I was able to log in and make a payment. I scheduled a ONE TIME ACH payment for XX/XX/XXXX. A day or two later when I attempted to log into the old website, it again prompted me they had changed and I had to go to the new website. Upon logging in, I saw no record of a XX/XX/XXXX payment being scheduled and that my payment information was showing REOCCURRING payments starting on XX/XX/XXXX. I did not authorize for reoccurring payments nor schedule one on XX/XX/XXXX. Secondly, now I will be charged late fees due to the switching back and forth of websites and never knowing which one to use. During my customer service experience, I had one CSR close an online chat and said call them if I needed further assistance. Also, this is the only company I use that charges me to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. 

Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. 

I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. 

There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. 

When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. 

There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. 

I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. 

Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CBNA XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CBNA XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-05-10 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The current company, XXXX XXXX XXXX, is the latest in a long line of " companies '' trying to collect a debt from XXXX XXXX. As we have told the last dozen or so " companies '' who have harassed us with phone calls over the last ten years, there is no XXXX XXXX at the phone number they are calling. Most of these " companies '', including XXXX XXXX XXXX, immediately try to collect our personal information. We refuse to divulge any personal information over the phone. XXXX XXXX spoke with a representative of XXXX XXXX XXXX, a XXXX XXXX concerning this debt. He repeated several times that there was no XXXX XXXX at this phone number. After trying to interrupt several times, and using unprofessional and threatening language, XXXX XXXX abruptly hung up. XXXX XXXX 's voice has been used in several " robocalls '' since then, threatening vague legal action against XXXX XXXX if he does not call their number. All of these companies have been wasting their time. They will definitely never get money out of us for someone else 's debt. Apparently, XXXX XXXX used our phone number as a contact number when the debt or loan was first acquired, over ten years ago. There are several other complaints on file with you concerning this situation.

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