vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Premier Student Loan Center
State: WI

Complaint narrative:
In early XXXX, I was contacted by a company called Premier Student Loan Center. They talked me into a consolidation service that would shrink the amount I owe by almost 75 %. They told me that " XXXX was being sued by the Federal Government due to the fact, they were applying installment payments to their interest amount owed rather than their principle balance. I was weary of this so I decided to look them up on XXXX and found they are " Acredited by the better business bureau '' and a bunch of fake reviews. I was told that if I paid {$1000.00} over 4 months followed by XXXX $ a month for 20 years, they would pay the rest of my {$12000.00} loan. If you do the math, that means I save {$9100.00}. It was a red flag in my head instantly, thinking how could this be possible and is why I decided to XXXX them but was once again misled by false information. I realized that I was dealing with a fake company when XXXX messaged me giving me information that they had consolidated my student loans. I've tried to contact Premier Student Loan Center multiple times and they will not contact me back. I've paid them a total of 3 out of 4 payments ( {$740.00} ) and then cancelled the card I had given them before they could process the 4th payment. I hope others can read this to avoid getting talked into a scam like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
result of fraud i have no knowledge of this 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 non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
XX/XX/2018 : XXXX " Calling from XXXX, this is a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. This is a call from a debt collector. Please return our call at XXXX M-F during normal business hours. Thank you. '' Neither me nor my wife or kids have ever been to XXXX XXXX XXXX XXXX ever.

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 2018-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC
State: CA

Complaint narrative:
This company had been taking money out of a joint account I had. I noticed back in XX/XX/XXXX that payments were being taking out. Finally I re searched who the call company was and it was loan me which they had taken out about 3500 dollars in money out of my account stating that a XXXX dollar loan had been taken out under my name. I then explained to them that I had no knowledge of such loan they neeeded to send me information in regards to whom took this loan out. I requested this information about 3-4 times but they never mailed nor emailed the information to me. On XX/XX/XXXX I received a call from a collection agency Apple recovery stating they were attempting to collect a debt from Loan me in the amount of XXXX. I proceeded to explain to the gentleman the situation and he put me on hold and stated that they are willing to settle for XXXX so that it can clear my credit and I then can file a civil case against them. I explained to him I wasnt going to pay anything until they provided me with proof of the loan as requested in the past. He then became aggressive and stated I was throwing a temper tantrum and they will start a legal action against me .... I asked him to elaborate on what he meant legal action and he replied Im gon na only ask you one last time how much can you pay today? If cant answer that. We will have to proceed with further action. I am not sure what he meant. I extremely worried about this and would like a resolution. Could someone call me for help in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged online to my American Express Blue Cash card, and there was an offer to the effect of " upgrade your blue cash card to preferred card and spend {$2000.00} in next three months and we will give you a {$250.00} statement credit ''. The upgrade has a {$95.00} annual membership fee. I responded to the offer on that day, and spent more than {$2000.00} within two months. 

But I did not see the {$250.00} statement credit. I then chatted online with an American Express customer service member and his supervisor to inquire about the credit. They told me that I had already been given the credit for the same offer in XXXX and was not eligible for the offer again. I counter argued, telling them that there was no way for me to know all the details. More importantly, American should not have made the offer to me the second time. Be that the case, we would not even have this conversation. I also told them that I had tried hard in order to meet the {$2000.00} spending requirements, for example, I used their card but not using credit cards from other issuers even though they offered % 5 cash back rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my Equifax, XXXX and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
1 year ago I was approved for a income based repayment plan on my old student loans through navient. Navient informed me my payment was {$0.00} for the next year. Since this time I have been paying {$10.00} on my accounts and my balance has gone up alittle bit every month. At NO time did they ever state I had to pay my interest or late fees of any kind. I found out that the {$10.00} is old late fees that they never informed me I had. When I called them today to figure out why this was they told me that the late fees are from XXXX of 2016 and that I was behind on paying my interest. The person I talked to was not very nice over the phone and when I requested someone to help resolve this issue got transfered to the main line with a 30 min hold time. I requested a call back again and when they did I was put on hold again for a long period of time before I had to hang up do to other business I needed to take care of. I feel navient misinformed me through this process and did not disclose all the information needed so they could collect illegal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, XXXX and Trans Union credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with 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 2018-03-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with 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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.

I did not open an account with State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
This Collection agency Weber & Associates continue to refuse to validate the debt claimed to be owed to them and have also violated the FDCPA Section 807 ( 8 ) I have proof they did not validate the debt. They also violated and failed to communicate the debt was disputed within 30 days of receiving my letter to do so. They even sent a latter which validates they did not adhere to the FDCPA policy within the allowed timeframe per the date they received my first request which was XX/XX/18. Please see the return receipt ( s ) for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I have no idea of this account, it is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX  is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports. 

I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue. 

All documentation has been held and is available for full disclosure if needed.

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 2018-03-16 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: TCF NATIONAL BANK
State: FL

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX  XXXX  XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely 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 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
CCP called today looking for my XXXX y o son, they want his phone number, it is not my debt, i have told them this, they keep calling, have told them before not to call me, i told them they can find his number the same as they found mine they ph no. is XXXX, i have also told them to quit harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: LEXISNEXIS
State: VA

Complaint narrative:
I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: CA

Complaint narrative:
Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance 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 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
on XX/XX/XXXX I got a call from PennyMac about lowering rate and lowering my payment. When I called in I was told that I could not lower my payment because it would cost to much. This is not the first time they have called and said that they would lower my rate and payment and told me after I called them back that they can't do it. On XX/XX/XXXX I was very clear with PennyMac that I no longer wanted any communication phone, email or mailed unless it was my statement and to cease all communication. I was told they would note the account and was told to have a nice day. on XX/XX/XXXX I got an email from PennyMac asking me to call them back to lower my rate once again. When I called in to ask why they are still sending me emails I was told that the agent had no idea and that he could clearly see that the account was noted to no longer contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: PA

Complaint narrative:
XXXX XXXX university inflated their abilities to land students with jobs as well and the salary amount. And when I was initially given the loan for the school I was working a part time job, and they didnt even ask for a co-signer. The loan amount was XXXX for XXXX XXXX University. I have had issues paying my private loan due to the amount, even with income based repayment. Some years back I was having trouble paying my private loan and they rushed me into forebearance without offering any other help or repayment possibilities. Multiple times they have tried to push me into forebearance and then today XX/XX/18 I made a phone call because my job start date was pushed back and the lady I spoke with on the phone asked me 3x if I wanted forebearance and I said no each time because I do not want to add to my principal. And after the 10 minute conversation, she stated, ok well let me process this forebearance for you and she asked me if I agree and I once again stated no. This deceptive practice is why my original loan went from XXXX to XXXX initially. And now Im saddled with these loans that Im struggling to pay and Im fed up with it. There was income based repayment options offered this time but at the end of that conversation is when she threw in processing the forebearance. There is zero explanation on what forebearance does and the only reason I know now is from ample research. This company ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation