vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
They first called home number and denied son 's request to disclose what R & B corporation was operating business as, would only describe themselves as a " business ''. After ending call, she proceeded to call recipient 's workplace phone number and cellphone number. These communication tactics were invasive and recipient felt harassed. Furthermore, the collection agent made false statements regarding a debt owed and later in the call admitted that the payments made were found. Agent then proceeded to make more false statements saying mailers were sent to recipient, however, no mail regarding the debt owed was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I do not owe them any balance and would like them to acknowledge that.It is showing on my report as a charged off 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 explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Mortgage is held by Carrington Mortgage Services in California. Have had many problems. Filed a complaint 2 years ago. Still no resolution y et CMS contin ues to harass me and is trying to foreclose on my house. See attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
First, I will start with  XXXX   XXXX . I applied for and was approved through this company for student loans,  whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from  XXXX   XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was  XXXX   XXXX  was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: NY

Complaint narrative:
This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.

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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    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 monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: CO

Complaint narrative:
I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: SC

Complaint narrative:
Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am being sued by  XXXX   XXXX   XXXX  for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  OneMain Financial i n  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had got denied for a credit card from  capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fedloan Help
State: SC

Complaint narrative:
In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .

Company response to consumer: Untimely response