vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. 

I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have a loan through the Department of Education, third party Nelnet, that I am in the process of repaying. In the fall of 2015, I had some trouble repaying my loans, which resulted in four missed payments on my account. I pay ONE bill to Nelnet, with no option to allocate the payment. I have four student loan disbursements, but I was under the impression they were consolidated - especially since I only have the option to pay one bill. However, the company reported my missed payments to the credit bureaus as 16 missed payments ( 4 missed payments for each of the 4 accounts ). This has greatly impacted my credit score, and is keeping me from being able to move forward with purchasing a home. I have contacted the agency and have been told that because I was not in the military at the time of the missed payments, there is nothing they can do. My problem is the duplicate missed payments. It doesn't seem right that if I do not have the option to pay the accounts separately that they can penalize me separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are currently reporting a {$790.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
In XXXX CBA COLLECTION BUREA, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XXXX and it was removed from all the known agencies. 

In XXXX this year i have discovered that the item was reinserted to my XXXX credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from 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 2018-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services
State: CA

Complaint narrative:
My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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:
CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

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 2018-02-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. 
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. 
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Recovery Services Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MO

Complaint narrative:
I am being asked to pay a medical debt of {$1500.00} for services that incurred when I was a minor ( XX/XX/XXXX - XX/XX/XXXX ). I didn't sign any paperwork stating that I would be financially responsible for these services because as a minor it would be illegal for me to do so. 

My Mother did sign the paperwork stating she would be financially responsible for the services I were to receive. 

She unfortunately did not remain true to her word and left the services unpaid. Fast forward to XX/XX/XXXX my mother received a phone call stating that " she had not been receiving statements over the past 2 years because we changed systems. I explained that she has an outstanding balance but that her account is not in collections due to the fact she has not received statements. she said that she is unemployed currently but she agreed to do $ XXXX  monthly towards her account sent statement today-tw '' XX/XX/XXXX " Statement was returned today as undeliverable although she verified her address before I sent it. I tried calling but her number is now disconnected. if she does not make payment by next billing I will call again or she will go to XXXX. -- XXXX '' XX/XX/XXXX " XXXX has not made payment since XXXX. Tried calling, no answer. Send to TekCollect - XXXX '' So now this debt has been put on my credit and has been harming my credit score even though it clearly shouldn't. 

I've talked to the business where I received the services ( XXXX XXXX XXXX ) as a minor and they insist that since I'm of legal age now I owe the debt. 

I also tried to dispute it with the collection agency ( TEK COLLECT ) and they deemed the debt to rightfully belong to me instead of my mother. 

I firmly believe that this is not my debt but my mothers and I want to make sure this gets removed from my credit report and added to hers. My mother also believes this and has tried to contact the business where the services were rendered to get the debt transferred to her but - they refused to comply and insisted that she could make payments but the debt would remain under her daughter name and social. 

Also my mother and I share a similar name but you can clearly read that the signatures on all the paperwork is her name and not mine - and the dates when it was signed would have been when I was a minor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: KS

Complaint narrative:
I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have asked this company XXXX XXXX XXXX XXXX to please stop calling me. They call my phone atleast 10 times per day. They are collecting for Suntrust bank {$530.00}. 
I want this account CLOSED and REMOVED due to the abusive nature that they are using.

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence as well.

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 2018-02-21 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: Immediate Credit Recovery
State: IL

Complaint narrative:
I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!

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 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation