vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Initia lly Navient force d me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent scho ol (   XXXX   XXXX   ). Onc e my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging fr om 11 to 6 pe rcent.     Recentl y, Navient notified me a fter the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disp uted. Navient has kept my loans broken up into at least 14 different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that Navient can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt. Navient has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the The Fair Debt Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section 809 c.      For the past few years,  XXXX   XXXX   XXXX   XXXX  acting as a debt collection agency for Navient, has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  XXXX   XXXX   XXXX  at all hours in the early morning and late at night which is a violation of secti on 805 a. 1. I ha ve been contacted by  XXXX   XXXX  from the same phone numbers with which  XXXX   XXXX  has contacted me legitimately, where the caller refuses to identify themselves and refuses to identify their employer, which is a violation of sectio n 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls ha ve disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAB Receivables, Inc.
State: NC

Complaint narrative:
On  XXXX   XXXX  I sent a letter  to Cab Collection agency  asking them to validate the debt they are saying that I owe for {$100.00}. On  XXXX   XXXX ,   XXXX   I recieved a letter from someone at the collection agency stating they can not find the account that listed on my credit report and asked for me to send in documentation about the debt. The letter stated that I wanted to settle the account but that was not what my letter stated to the collection agency. They have not validated the debt and is not able to validate this debt per the letter they sent to me via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am sending this complaint  on Sychrony   Bank American Eagle Visa ca rd. I am upset that the company reduced my credit limit to make my debt usage on the card  XXXX  %. This reduction caused my  credit score to be affected by   XXXX   points. The company sent me a letter showing my score wa   XXXX  and my attachments show my new score. When I called to inquire the representative told me it was systematically done and there was nothing they could do about it. I have had the card for  XXXX  yrs along with  XXXX  other  Sychrony bank cards and ha ve never paid late. My limit was {$3900.00} and my balance {$1600.00} and my limit was dropped to {$1700.00} for no reason at all. I would like for this company to reinstate my credit limit on this card immediately.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMA Credit Association
State: TX

Complaint narrative:
I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.

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 is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.

Company response to consumer: Closed with non-monetary relief
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 — Old information reappears or never goes away
Company: JH Portfolio Debt Equities, LLC
State: WI

Complaint narrative:
An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.

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 status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet, Dept. of E d/Nelnet, and Student Loan Servicing stating   XXXX   XXXX   XXXX   XXXX  , and  XXXX   XXXX  known as  XXXX   XXXX   XXXX  on credit re ports. Nelnet stat ed in the attached letter by  XXXX   XXXX  from  Nelnet ( see at tached letter ) that all loans were excellent and they reported that to the credit reports but the credit reports reflect delinquent negative and missed payments only.   * Loans were consolidated by Federal Loan Servicing in excellent condition ( see attached ) reflected in letter but not reflected on credit reports * Loans have been on the credit report since   XXXX   which is 7 years and legally should be removed unde r Fair Credit Report Bureau but they have manipulated the records the records to make it look like it is less than seven years but I have the origina l that states missed payments since   XXXX    ( see  attached ).    * All paym ents were missed since   XXXX   and the total reflected missed payments since no payments made and can be removed since it has been 7 years and this manipulation of records is illegal * The fact all loans were doubled and in some cases tripled to make my credit look worst is fraudulent. The letter by  XXXX   XXXX  proves that I only had  XXXX  loans but my credit report shows  XXXX   XXXX  negative credit reports fraudulently I need to have account numbers to see if things were double paid and why they are reporting things double the time * Missed payments keep changing too and that is ironic.    * Student Loan S ervicing known at   XXXX   XXXX   XXXX   XXXX   is still derogatory is collection and  XXXX   XXXX  known as   XXXX   XXXX    XXXX  is collection when they were paid off and taken care of and have been in excellent standing since last yea r by Nelnet and a f ew months ago when  XXXX   XXXX   XXXX  took over shows excellent standing but that is never reflected on the credit report and that is the only thing that is true ( see attached no delinquencies   XXXX   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: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint stems from an experience with a  Cha  se consum er credit  card, t  he,   XXXX   XXXX   XXXX  , credit c ard and their deceptive marketing techniques and unexplained interest increases that resulted in usury.   I was a customer for more th an seven year s beginning in  XXXX . I never made a late payment, yet my variable interest rate more than trebled, without notice or explanation in a period of a month. The rate would remain at a usury level until I would close the account, of my own volition in  XXXX .   When I called,   XX/XX/XXXX ,  to inquire about the abrupt and unjustifiable rate increase. I was provided with unsatisfactory justifications and industry jargon in an attempt to placate.   I persisted, eventually speaking w ith a line manager w ho was able to, offer, a one-time interest reversal credit for a, loyal, customer, but purported to be unable to reverse the overall rate increase.   I remained unsatisfied and demanded a justification in writing for the rate increase ; none was forthcoming. I would call back a month later,   XX/XX/XXXX  , to request that the interest rate be returned to the original rate. The servicer refused and I was burdened by their usury until I was able to pay off the balance and close the consumer credit card, once and for all.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?

Company response to consumer: Closed with non-monetary relief
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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a private student loan through Wells Fargo Bank. I am enrolled in auto-pay. Using the old Wells Fargo student loan website, it was nearly impossible to find and turn off auto-pay. Therefore, from time to time, I would incur a Wells Fargo Fee ( " WF EFS STDNT LN AUTOPAY '' ) of {$30.00} when there was an insufficient balance in my bank account to cover my monthly student loan payment. The Wells Fargo system will keep trying to initiate a payment, even though a previous attempt failed, and it will continue to incur {$30.00} fees. Recently, Wells Fargo updated the system, but it is still not possible to turn the auto-pay feature off. Upon information and belief, the Wells Fargo auto-payment system was purposefully designed to prevent borrowers from de-activating the auto-pay feature to avoid incurring the fee. During my repayment period, which began in XX/XX/12, I have been charged a number of fees when I had an insufficient balance in my bank account. Considering Wells Fargo 's checkered history with fraud and other improprieties, it is hardly surprising that they conduct themselves in such a disingenuous manner.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
First contact with  National Credit Systems :  This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit.     Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Purchased a vechile in  2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately!   When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all   XXXX   credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about.   So I decided to contac t Kia Motors  myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different  address ( the ad dress which was hand written over the contract after it was signed ) illegally.     Enclosed is the contract in which I received from kia finance department, as well as the contract from the  manager  of  Kia Motors  unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing.   Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered?   According to the  law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of :  The Fair credit Act 807  using any false, deceptive, or misleading representation or means in connection with the collection of any debt.   Not to mention this item was sold a  two  debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all  XXXX  credit bureaus.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX   XXXX   ( same as   XXXX   XXXX   XXXX   XXXX    ) r efuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   ).  I filed dispute with you for Equifax and  XXXX  last year.  XXXX  fixed it, but Equifax dispute ( #  XXXX  ) produced NO results  (    XXXX   XXXX     ). Since then I have to dispute this with Equifax every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  two  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
For the past 6 months i have gone back and forth with a company that placed a collection account on my credit. I tried to call them only to be hung up on when i requested a manager. Then when i sent them a letter in the mail by way of return receipt, which they received it appears they want to now retaliate and have added another collection account on my credit.     I sent them another certified letter on  XXXX   XXXX  and i still have not heard back from them. I have now contacted the Federal Trade Commission and the Attorney General  Office. I will not be bullied into taking ownership of something that was not originated by me and i was never sought out first about the debt they just placed it on my credit which is a violation. I plan to exercise my rights pursuant to the FCRA in Federal Court  in the accounts are not removed by  XXXX   XXXX . I found an Attorney that has already sued them before in the past and won.

Company response to consumer: Closed with explanation