vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Risecredit, LLC
State: MO

Complaint narrative:
I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Universal Fidelity LP
State: FL

Complaint narrative:
I just received a phone call from someone claiming to be with Universal Fidelity. 

At first there was an automated machine that thanked me for calling. They called me. Whatever their matter was, they considered it important enough to interrupt my day. To me, the interruption is important enough for them to have their IT department get that right. 

Eventually, I was transferred to a representative who merely informed me that she was on a recorded line, she works for Universal Fidelity, and they have a " personal business matter '' that came across their desk '' ( or some wording to that effect ). 

She talked very fast - apparently in the hope that I would not slow her down and she could get right to the part where she would make her commission. She seemed disconcerted and off-script when I asked her questions to make sure I understood what she said. 

I had to ask what this was about and what Fidelity Universal is. Only upon questioning did she inform me that XXXX is a debt collection agency. 

I asked her : How do I know she is who she says she is. 

She provided no way to verify herself, but asked several times for me to verify myself. 

We are told, often, in this day and age of terrorists and heightened security NOT to give out information about ourselves to people we do not know. 

Online, we are warned about scammers. 

I asked her to verify herself, and she could not. Instead, she said they would send me a letter and wished me a good day. 

She did not talk about the content of the letter, but from her tone it sounded threatening, like an escalation of this matter for legal purposes. I assume that private debt collection companies share their recorded calls with you, and you can listen for yourself. 

Only after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is. Media reports the Federal government is aware of a XXXX XXXX building whose sole purpose is to confuse and scam and subvert the internet, in part by creating websites that are exact duplicates of legitimate websites and getting unsuspecting Americans to provide their information on fake webforms. 

In the section above, I put " Threatened to take legal action. '' I do n't know if that is what this was - but it was the only choice that seemed to fit this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Me and my son opened a student bank acc. at Huntington bank. they started putting a {$4.00} a month fee. When my son asked why they said he threatened them and closed his acc I called and asked why they hung up on me ... .THEN they closed my business acc that I have had for over 30 years. and they are trying to stick me with credit card processing and terminal fees. there is much more ( too much to put in print ) HELP XXXX XXXX XXXX XXXX ( XXXX ) or XXXXXXXXXXXX P.S. the highest person I could get to is XXXX XXXX. She is vice president in charge of consumer affairs .well that 's what she said.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
AllState Credit is attempting to collect on a debt that is NOT owed to them. I have repeatedly sent them letters asking them to VALIDATE this alleged debt they say I owe them. They have yet to send anything validating I owe AllState Credit Bureau this alleged debt.They have marked my credit report in a collection status. My credit report shows XXXX dollar amount and account number and the letter they sent in the mail shows a different dollar amount and a different account number. AllState Credit Bureau is reporting inaccuracies across the board. According to my credit report, there is no date of first delinquency, there is not a date of first major delinquency and the balance is not correct I want to have this account PERMANENTLY deleted from ALL XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY! 
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-05 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: MD

Complaint narrative:
XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: UT

Complaint narrative:
Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: NC

Complaint narrative:
I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: MI

Complaint narrative:
I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America needs to comprehend and appreciate the complexity of legal matters which have interacted into XXXX, XXXX XXXX XXXX. THIS CFPB Complaint supplements XXXX. USDJ stipulated settlement to BofA was caused or brought about, all or in part, in 2008, when IRS estate tax proceedings were obstacled by a realtor bandwagon, who may have been staging strategies for an estate coup de tat, which was counteracted. SERIOUS HUMAN RIGHTS AND CIVIL RIGHTS VIOLATIONS BECAME INTERTWINED, AS FEDERAL, STATE AND LOCAL GOVERNMENTS, WITH BANK OF AMERICA AND ITS PRODUCTS, BECAME VICTIMS WITH US, XXXX IN NEEDLESS DAMAGES.

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 2016-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC
State: CO

Complaint narrative:
A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.

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 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I recently recertified my income for an IDR plan with Navient, and discovered in receiving my updated payment amount that Navient had placed me in IBR instead of PAYE. In further discussion, I learned that I was placed in IBR XX/XX/2013, when I first consolidated my loans and applied following my six-month grace period, although Navient has paperwork showing I requested to be in a PAYE plan at the time. Despite numerous discussions in which Navient acknowledged the mistake, Navient has insisted that I need to re-apply and make one month payment on the standard repayment plan, rather than being administratively switched to PAYE. I believe the mistake was made because the paperwork for PAYE was limited at the time ( PAYE required a separate, ad hoc communication because the OMB form including PAYE had not yet been published ), yet Navient refuses to own up to its error. I have hit walls at Navient, and am now looking for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been working with Bank of America for over 3 years now trying to lower my monthly payments. I had a trial period but it was still to high. I am a single mother of XXXX small children and their father does n't always pay child support. I have been sending in document after document to bank of America and they said they are working on it. Then i just recently called them and they told me that the person who was working on my claim " Dropped the ball '' and did n't put the paper work in after it was received. and now i just found out that my house was put up for auction but i was never notified and i never recieved anything in the mail to tell 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 non-monetary relief
Consumer complaint received 2017-03-10 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: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation