vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
They said if I paid the settlement amount that they would delete the account from my credit report which has n't been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I bought a money order from XXXX XXXX to pay a bill. When I found out that the payment had not been credited, I traced the money order and found out it had been stolen and cashed, and that the thief had changed the name of the payor and the payee. I filed a police report and completed all the paperwork XXXX XXXX asked for in order to get the money order replaced. Then XXXX XXXX sent me a letter saying they had filed a claim on my behalf with the Bank of First Deposit ( Bank of America ) and that Bank of America had not responded, so XXXX XXXX was closing their investigation and that I should contact Bank of America. I contacted Bank of America, but they said it had nothing to do with them and that I had to go back to XXXX XXXX. When I did, XXXX XXXX told me I had to go to Bank of America.

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 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

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 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cochren Bailey & Associates, LLC
State: FL

Complaint narrative:
I am an attorney employed with XXXX XXXX XXXX XXXX. Since my employment began here in XXXX XXXX, I have been receiving calls on my direct work line from Cochren, Bailey & Associates LLC, a debt collection firm, looking for an individual named XXXX XXXX. These calls threaten criminal and legal action against XXXX for a debt. XXXX is not an employee with XXXX. I have no affiliation with XXXX in any way. I have repeatedly advised Cochren Bailey that I do not know this individual, and that she is not an employee of XXXX. 

On XXXX/XXXX/XXXX, I sent a letter to Cochren Bailey ( with read receipt requested, which was done ), advised Cochren Bailey that they are and continue to be in violation of the FDCPA. 

I also filed a complaint with the XXXX ( Complaint ID # : XXXX ), wherein Cochren Bailey admitted, in response to my complaint, that they called my work number, and would not do it again. 

Since the date of the XXXX complaint, I have received three more telephone calls from Cochren Bailey looking for XXXX XXXX. 

XXXX/XXXX/XXXX ( I answered the call and against advised this office they are in violation of the FDCPA and that I do not know XXXX XXXX ). 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message. 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion in their closure of XXXX negligently and willfully fabricated a date of XX/XX/2017 when the factual date of initiation was XX/XX/2017.Proof of this is evidenced in XXXX attachments.Giving the CFPB this false date would obfuscate their 30 day FCRA rule violation if it were true.I have reported Transunion to my state 's Attorney General and BBB.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted the proper documentation to Experian to begin the Investigation, I actually submitted to them ( Experian ) the paper work on 2 different occasions because I felt like I did n't receive the proper results ( an answer ). They stated that my results came back verified and I did n't receive any documentation that stated that they were verified. I actually sent the same letters to XXXX and the Information was removed/ Deleted. 
The XXXX account were : XXXX Acct # XXXX XXXX. Acct # XXXX Attached is the results from XXXX results for the XXXX accounts listed above.

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 2016-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Capital LLC (NV)
State: TN

Complaint narrative:
XXXX based in XXXX, Ga contacted me numerous times via phone calls to try to collect a dept they said I owed from an online payday loan. They said this dept was submitted to them on around XXXX from 2 years before this. On XXXX XXXX finally told me this dept was from INSIGHT CAPITAL LLC. When I googled both of these companies via XXXX XXXX & Insight Capital LLC, they both have numerous complaints from others of being srams in attempting to collect money under false claims. XXXX contacted me from the phone # XXXX XXXX XXXX XXXX and they had my bank account information. I have NEVER been contacted by Insight Capital.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I broke my lease with XXXX the original creditor at the end of XXXX 2015, with five months remaining, i gave a sixty days notice from XXXX 2015 and paid the relenting fees of $ XXXX.i got my final account statement on XXXX XXXX, with the sum of {$5100.00}. I contacted my lawyer XXXX XXXX, by XXXX 2015 to dispute the account. She wrote several letters to them, seeking for the clarification of the account and telling them that i am ready to pay if the account is justified, there is no single reply. From my credit report monitoring, I was alerted on XXXX/XXXX/15 that the original creditor has transfered the account to Blakely Witts & associates, a collection agency since XXXX XXXX, 2015, with a sum of {$1000.00}, without informing me or my lawyer. The collection agency did not contact me or my lawyer at any time before reporting me to the credit bureau, in other word they did not make any attempt at debt collection before destroying my good credit and most importantly My Good NAME. I only knew about the debt after my credit was destroyed, is this the fair debt collection practice. 
To protect my right I wrote the bureaus to dispute the account, asking questions about why I was not informed and why is the amount different, the only answered I got is that the debt has been verified. Is this JUSTICE. 
All I want is justice, I am willing and ready to pay my debt, only let them do the right thing. Take The Account in collection off from my report, write letter of apology for the damage done to my good credit, contact me in a lawful manner to inform me of the debt and I Will gladly pay the debt. 
I hope you will use your good office to protect me from this unfair debt collection practice. 
N.B. My wife is also part of this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.

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 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a XXXX account on my credit report that XXXX has no idea what this is on my report as I have an account in good standing with them and they do not report to the credit bureau

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 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX Wells Fargo is reporting a foreclosure on my credit report which can occur I cosigned my son XXXX XXXX XXXX and he fell behind in 2013 Well Fargo mortgage he sent XXXX cleared up and the bank reinstated his mortgage with no prejudice towards him and failed to report that there was in a foreclosure. My son still lives in this house and has been updated on his loan since this occurred we still on this home and should not be on my credit reports as a foreclosure once to notify Wells Fargo they reversed on XXXX and XXXX that there 's no foreclosure but failed to notify the experience this is holding me up get in my dream home. I have notified I have notified Wells Fargo twice about removing this every time I called him the state my loan is in standing good and there 's no foreclosure I asked him twice to please remove this from experience on my credit report it 's stopping me from moving forward and purchase a new home. I have supreme court documents showing that the action that the bank wants applied for pre-foreclosure was rescinded and all actions one normal and the mortgage was reinstated and great standings please help me

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 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
Paid contract off in full, company tried to collect more money after I paid off debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Credit & Collection Corporation
State: NC

Complaint narrative:
Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Regulating Services, Inc.
State: AZ

Complaint narrative:
I DONTAED A XXXX TO XXXX XXXX ON XXXX THE VEHICLE WAS TOWED AT ONE POINT AFTER I HAD DONATED IT. THE TOWING COMPANY, XXXX XXXX XXXX, IS TRYING TO HOLD ME RESPONSIBLE AND SENT THE ACCOUNT TO THE COLLECTION AGENCY AT CREDIT REGULATING SERVICES, INC IN XXXX, CA. XXXX. THE VEHICLE WAS TOWED AFTER I DONATED IT TO THE ABOVE MENTIONED INDIVIDUAL. THIS HAS AFFECTED MY CREDIT. I DID NOT KNOW THAT THE VEHICLE WAS TOWED SINCE IT NO LONGER BELONGED TO ME UNTIL I RECEIVED A COLLECTION LETTER.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Conn's, Inc.
State: TX

Complaint narrative:
My husband has a debt with Conn 's Inc. ( Furniture and Appliance ). Due to financial hardship, he stopped making payments many months ago. However, and unfortunately, my husband died this XX/XX/2017. Since I told them that, the calls have not only been more recurring, but they are harassing me with charging off the account, whatever that means. They gave me a one day ultimatum to pay a settlement or they would do that, and right now, I have other things to worry about, like securing a financial stability for my kids. I already told them to not to call me until I speak to my lawyer, but it seems they have an urgency for me to pay the settlement they offered. My husband left no estate behind, as we owe the mortgage and our XXXX cars. What is troubling me is the harassment during this very difficult time of my life, when an unforeseen accident left me a widow at the age of XXXX.

Company response to consumer: Closed with explanation