vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 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: ERC
State: CA

Complaint narrative:
Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. 

When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. 

I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. 

I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 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: ERC
State: LA

Complaint narrative:
I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 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: States Recovery Systems, Inc.
State: NV

Complaint narrative:
States Recovery Systems Inc added XXXX accounts to my credit file, via XXXX, after lots of back and fourth and disputing the XXXX collection accounts with XXXX they have not removed these accounts. Account XXXX has a total of {$47.00} owed and account XXXX has a total of {$35.00} owed. I agreed to pay these amounts even though they are fraudulent accounts and I have no knowledge about them, if they remove from my credit report. They refuse to do so. So now I do n't want to pay them, I just want them removed from my credit file. I have filed a police report and send all information they requested, but they will still not delete from my credit file. These items are not mine, I have never been a XXXX customer and I want them removed from my credit reports, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XX/XX/XXXX I was accepted into a new school XXXX XXXX XXXX XXXX. When I applied for a loan for school the XXXX website was not able to locate a school code for XXXX College XXXX XXXX. I made this problem aware to XXXX College XXXX XXXX XXXX founder XXXX XXXX XXXX XXXX. We sat in his office doing the loan application on the XXXX website and he entered XXXX College XXXX XXXX school code and claimed the XXXX schools were associated. XX/XX/XXXX I arrived at school to find that the school was forced to shut down by the State XXXX. Later I attended court hearing and learned XXXX College XXXX XXXX was never associated with XXXX College XXXX XXXX and was not aware of XXXX XXXX XXXX XXXX and XXXX XXXX misleading students. The state found XXXX XXXX XXXX XXXX and XXXX XXXX guilty of misleading students about accreditations, failed to make statutory disclosers and produce records and illegally accepted payments. XXXX XXXX XXXX XXXX and XXXX XXXX are not to ever conduct business in the state XXXX. From the lawsuit no money was given to me to repay the school loans that were acquired under false representation. I am asking for my loan to be discharged from American Education Services but have been getting the run around for almost 8 years. I never received my degree XXXX. I am a single mother and there is no way I can afford to pay off this {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Russell W Richardson, Attorney at Law
State: MI

Complaint narrative:
Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK
State: WY

Complaint narrative:
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: AZ

Complaint narrative:
My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.

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 2016-12-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP

Complaint narrative:
I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Forster & Garbus LLP
State: VA

Complaint narrative:
they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: KEYCORP
State: NV

Complaint narrative:
I lost my XXXX XXXX I called Key bank credit card to inform them, I then asked to speak to someone in the hardship department. I missed an XXXX 2016 payment, In XXXX I called them they said to send in XXXX, I still asked to speak to someone in the hardship program they said I had 60 days to pay XXXX, when I called back they said I was misinformed. I am speaking to representatives from XXXX who would not even give me the address to the hardship program. I have been sending in payments and they refuse to work with me and continue to add on late fees and higher min payments I am sick and still disable with out any income other then my children helping me stay on track but the refused to help when all my other credit cards have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: OR

Complaint narrative:
My problems are presently with Key Bank : 1. My chip-embedded credit card is currently lost by Key. 2. I have no access to my checking account Key Rewards either. 3. Web Site instructions are a sham! 4. Neither Key local nor Key Headquarters nor miscellaneous Key Online bankers are adept to follow through, answer real questions sufficiently. They do not resolve problems this bank creates. This is intentional. Instead, Key bankers shuffle this customer ( I daresay thousands other customers, also ) to and fro, place this customer on endless phone " HOLDS '' ( while they confer with some other banker targeted to forward my call to next ). Once this is done, that banker simply begins the Recycle process all over. Their " poker-faced '' mouths express ignorance and ask customer 's reason for needing assistance. They replay the canned interrogation questions already answered. Once again, the customer must respond and reiterate the same personal details. [ My God! It is my opinion the banking industry itself is the biggest threat to stolen identities and stolen dollars. Industry bankers surreptitiously use their customers! ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

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 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.

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 2016-06-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: PA

Complaint narrative:
Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

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