vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc.
State: TN

Complaint narrative:
On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.

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 2018-08-08 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
My taxes has been taking out for the last the 5 years as a result they stated that all funds where being paid to the department of education which it is still showing negatively on my credit report and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and XXXX  : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I requested that XXXX XXXX XXXX to stop calling me on my work number as I could not receive debt collection calls at work. They acknowledged but began calling me again on XX/XX/2018 on my work phone number.

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 2018-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
Delta Management Associates , Inc. sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with Delta Management Associates , Inc . I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: FL

Complaint narrative:
There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
In XXXX of XXXX my loans were transferred to XXXX XXXX XXXX ( PHEAA ) from XXXX as I had completed employment verification forms that would qualify me for Public Service Loan Forgiveness. I have had my loans in consolidation since XXXX and have been paying regular monthly payments on an income based plan. 

Since being transferred to PHEAA, they have not calculated correctly for how many monthly payments I have made and currently state I have made 23 qualifying payments. By my calculations, I should have 100+ qualifying payments. I have contacted them many times since XXXX and was first told that it would take 30 days to go through old records and review my previous payments with other lenders while I was on income based repayment plans. I was then told it would take 90 days. I was then told it would take 90 business days. I was then told it would take 6 months. It has now been 8 months and they have still not calculated the payments. I requested records of all the payments I have made for my personal records. They stated they did not have those records. I called XXXX and XXXX XXXX, my previous servicing entities, and was informed they do not have the records and they were all forwarded to PHEAA. I have requested my case be escalated to a supervisor and I made a complaint with the obudsman, with no response. 

Multiple times when interacting with XXXX  XXXX XXXXPHEAA I have had customer service representatives give me differing information, refuse to answer my questions, refuse to transfer me to a supervisor, and hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX  : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with XXXX XXXX XXXX XXXX XXXX XXXX I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass 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 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I have sent debt validation with no response. I'm not sure if this company actually owns the debt. I have not receive any notifications from their office. In addition each month they add {$1.00} to {$2.00} to the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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:
Upon checking my credit report in XXXX of XXXX, I noticed there was an error in status on one of my accounts. XXXX XXXX XXXX indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to XXXX XXXX XXXX informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/XXXX I sent Equifax a letter asking for validation and proof of my 'unpaid ' balance. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX XXXX XXXX XXXX Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
The Company ( Towner Loan ) we have a loan with the payment was due on XX/XX/XXXX. 
We intend to pay it on XXXX XXXX. We are 15 days late. 
They threatened to come to our house and take our belongings until they get their money. 


A little FDCAP Violation for someone only 15 days late!

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
after Equifax betrayed EVERY AMERICAN ADULT ( I did the maths. the breech was not just an amount of americans, it was LITERALLY EVERY AMERICAN ADULT. ), they were allowed to protect us ( from themselves? ). so maybe this time, something will get done : they have an address for me that is IMPOSSIBLE. i have NEVER in my lifetime even VISITED Oregon, yet Equifax has a Portland address for me ; also, they have my " current '' employment information as : Accurate Staffing Care. that company BELONGED TO MY FATHER, so when i tell you that NO ONE WORKS THERE, ESPECIALLY NOT ME, you can believe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/18, I got information from a relative that they received a call from a process server about me..that the process server was going to be at my house at XXXX to serve me with papers. Relative called number left and was told this had to do with an auto loan debt re : me. She said she would let me know. I looked up info and it was bogus..many people c/o similar antics by same co.plus I do not owe money to this auto company anymore, I have not dealt with them in over 8 years. I disregarded it ... today ( XX/XX/18 ) another family received another similar call from another so called process server, stating they were trying to get a hold of me and that I was going to be served today etc etc..also they were going to get in touch with my job. I work in healthcare, this is very frowned upon at workplace. I have lived at the same address for 15 years and I have not received anything in the mail which is strange if they knew my address, why not send a certified letter? It is illegal for them to be divulging info in my name to a third party, so I understand. Please help me with this problem. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: AES/PHEAA
State: FL

Complaint narrative:
There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This Home Equity Loan was originated XX/XX/XXXX with XXXX XXXX XXXX which was acquired by Wells Fargo in XX/XX/XXXX. It is a twenty year loan with a fixed rate of 6.79 %. The monthly payments are contracted to be in the amount of {$770.00} per month. There is no prepayment penalty. After the transition to Wells Fargo, I noticed that the monthly payment statements reflected a lower ( and always changing ) Total Amount Due. I also noticed that the addition amount that I was paying, was not being applied toward the principal. On the statement, the addition amount paid is listed as " unapplied ''. Also, the amount due on the monthly statement, does not reflect what the bank representatives have on their computer data base, making the payment process extremely difficult, as well as financially detrimental to the borrower. For example, one month the amount due on the ( mailed ) Payment Statement, was a lesser amount than what was on Wells Fargo 's computer data base. The bank representative informed me that if I had paid the total amount due on the Payment Statement, the account would be deemed delinquent. I have contacted Branch Managers as well as Wells Fargo Headquarters requesting a audit of my account, as well as a payment history, to ensure that all additional payments have been applied to the principal. I received " screen shots '', none in order by date. After multiple requests for an audit, they refuse. It appears that the additional amounts paid have been " rolled over '' each month and not applied to the principal. I took the " screen shots '' to a XXXX  XXXX XXXX, who reported to me that there were many discrepancies, and advised that I should file a complaint.

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