vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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: ERC
State: FL

Complaint narrative:
I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. 

In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. 

I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. 

XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. 

The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
OnXX/XX/2018 I wrote to CFPB regarding Portfolio Recovery regarding 4 debts that were placed on my credit report. Two were removed and my score went up to XXXX. On XX/XX/2018 they placed another two debts with XXXX that reduced my score XXXX points. These debts were the ones I originally requested documentation for. I have no knowlegde of the debts and have requested written proof on several occasions. This attempt to collect and to destroy my credit without providing written proof should be illegal. How many times are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Every time I proceed on sending a transaction to the XXXX, they cause us a double amount of fees here, and another charge in the XXXX. This is unfair?? Why is this happening??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Number called me saying im approved and that he needed my bank info and personal info to send me my approved loan. Then made me pay XXXX $ to a XXXX XXXX card and said i would receive my XXXX for sure but after i sent the XXXX $ he said i need to pay an additional XXXX $ for california to accept the transfer to XXXX XXXX, was all a big scam asked for my money back and no answer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
Bonneville collections is reporting that I owe money for a debt that has been eliminated by their client. I am in receipt of a XXXX Balance invoice from their client, showing I owe nothing as of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to 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 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Build credit off of credit karma website even if you sit the qualifications your denied and it's on your credit report they claim pre qualify buts it's not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC
State: MI

Complaint narrative:
This is a follow-up to complaint # XXXX. I had asked Ditech Financial LLC to stop calling me and sending me letters regarding the alleged debt in question. In their response, they said they would stop calling me. The CFPB subsequently considered the complaint resolved, and closed the file. 

Ditech continues to send me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Eagle Accounts Group, Inc.
State: GA

Complaint narrative:
Mr. XXXX and similar situated consumers or Armed Services employees, has or having been subjected to Title 42USC 601 ( b ) is not positive law or enacted into congress and does not provide unwed mothers any entitlements or unenforceable rights. XXXX XXXX XXXX having been unjustly enriched from this criminal act, admonition use my confidential and personal information to obtain benefits or use XXXX services to date. XXXX entered in agreement with mother [ enjoiner ] in money mach ( " collectively '' ) to extort undue monies from uniformed personnel while defending the country. Courts having examining the material facts, mother conspired or acted with conspiracy with magistrate officer as body or corporation entering defective motion in bad faith, motive Office of Child Support to received and maintain federal funding. Courts shortly or directly after discovery previously reporting to ( OIG ) for  Fraud, Waste and Abuse provided Mr. XXXX a refund check of {$600.00}, obligated to maintain as part of agreement in disgorgement of funds and declaratory relief.

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 2018-08-15 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: OR

Complaint narrative:
On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX is contacting me about my ex-wife 's debt. I have been divorced from her for several years. I re-married in XX/XX/2012! Synchrony called me on the following dates and times : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. Each time it was explained that we have been divorced for many years and I am not responsible for any debt that she has built up since. Each time they said they understood and would pull my number from the account. The last 3 times they called I asked to speak to a supervisor. The supervisor would pull up the account in question and say that I was not on the account and my phone number was not associated with the account. When asked how I was receiving calls, they could not provide me with an answer. I really don't understand where they are getting my information since they advised that I was not a co-signer on her account, my name was not on the account. The phones are on separate accounts, and we are legally divorced! I really would like these calls stopped!

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 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card with Bank of America. I had some problems accessing my online banking so I contacted customer service ( XXXX from California ) on XX/XX/2018 at approximately XXXX XXXX. As I was speaking with XXXX who was helping me regain access, a question popped up requiring me to provide my " citizenship status ''. I asked the representative if I was required to provide that information and she said that I was required to provide it. I refused to provide my citizenship status. I don't feel that a credit card company should have a right to inquire about my citizenship status! I called back to file a complaint about 15 minutes later and then was told that Bank of America could ask about " dual citizenship '' because they needed that information due to federal regulation. The question did not ask only about " dual citizenship '' but about both citizenship and dual citizenship. I feel like these questions violated my privacy.

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 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Please refer to the attachment on all payments made to the collection agencies through Navient Student Loan Company. Per speaking with a representative on XX/XX/XXXX and receiving what is known as a " Statement of Purchased Account '' I was informed that my account was charged off with XXXX ) XXXX XXXX Corporate Office Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. Then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. I have also been informed my account is now with a company by the name of XXXX XXXX XXXX contact number XXXX ( Rep that can be spoken with is according to the representative XXXX and the rep that is handling account is XXXX XXXX ) My issue is that XXXX XXXX XXXX is they are unable to communicate to me what my interest on the account was prior to any of these accounts being charged off or what my interest rate was upon making the 1st payment to XXXX XXXX. I will need this matter investigated. My next issue is that I was on what as known as a " Reduced Interest Repayment Plan '' with the two previous collections agencies. Upon speaking to  XXXX XXXX at XXXX XXXX XXXX ( new charge off agency 3rd one now ) he stated that my balance with them if I would like to set up payment arrangements is now XXXX. How this is possible when my balance according to the " Statement of Purchased Account '' from Naviant was {$15000.00} with a 0.01 % interest back in XX/XX/XXXX. I feel as if Naviant has unfair business practices and this matter needs to be further investigated with proper documentation on how my balance is steady jumping up with a Reduced Interest Repayment plan with the 2 prior charge off agencies. In addition I would like a valid explanation to why my loan is continuously being charged off from one collection agency to the next after attempting to make payment arrangements and pay off my debt. It's not fair that it's communicated that one large sum has to be taken as XXXX did back in XX/XX/XXXX for {$270.00} then my interest rate will be close to 0 % to have me set up arrangements then upon paying it's sold off again and the entire process has to start all over. It's not fair that when the process has to start over that I'm looking at approximately 2k in addition to what my original balance was initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi my father passed away XX/XX/XXXX. I was not listed on his bank accounts, nor his mortgage with the XXXX XXXX. This company froze the account on me today. They have been accessing the checking account, giving me balance information and withdrawing money to pay his mortgage each month since XX/XX/XXXX, including today, 5 min later they froze the account due to the federal privacy regulation. They've accessed and transferred {$440.00} each month since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a used car loan with Santander where I make a monthly payment of {$310.00}. I have recently gone through a financial hardship and have had a hard time making on time payments every month. 

I am looking to lower my monthly payment along with interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX received a pamphlet about receiving a degree or certificate for XXXX XXXX in the mail. I ignored the first one but after getting a 4th Pamphlet in the mail I filled out the Pamphlet and mailed it back in and in 2 weeks I received a letter congratulating me for being accepted and that I would receive more information. I dont recall how long it took but I received information requesting my ss # and a drivers license along with a form to fill out about my financial status, if I had a job and how much I earned. I filled out the information and signed the form at the bottom and later received a check stating that it was for a Perkins Student Loan and I was to sign and mail the check back to XXXX XXXX XXXX XXXX, XXXX DE XXXX. I received a phone call later in the week letting me know that I would receive another check and I needed to sign the second check and send it to same address above. The lady told me that they were forming a college in College location in XXXX Ohio on XXXX XXXX and I could attend partially at home and after that within 6 weeks take the remaining of my courses and test at a XXXX XXXX Location. I never did receive the books and when I went to the location on the letter along with other students we found a letter on the door with a phone number stating to call the Department Of Education in XXXX Ohio and when I did they said the XXXX XXXX XXXX was under investigation. I never heard anything back and the Department of Education said I did not have to do anything at the time. Years later I received a letter from a collection agency and later I was informed that Navient would be accepting my loan payments. At the time it was about 2,500.00 and just this year when I had a credit report pulled XX/XX/XXXX I noticed Navient had put the amount on my credit report and this month when I checked through a on line credit agency the amount has increased. I do not own anything on the old Perkins loan because I did not spend any money and the checks were sent to the XXXX XXXX XXXX. I would like to have removed from my credit report and for Navient to remove me from their list of owing for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
Honor had to to pay {$100.00} put a month I missed on the back end of my loan. Since they went into my bank acct and withdrawn additional funds my bank returned the payment. I also made arrangements and said it will be best to pay my loan each month by XX/XX/XXXX!!! This company sends my text messages from personal cell numbers and I have asked them to stop doing that! They will text me saying you are behind in your loan when Im not! Please help ... A man called me saying that he was the Vice President if the company.

Company response to consumer: Closed with explanation