vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Hi my name is XXXX,and I have several store credit card through Synchrony Bank; however I have card XXXX on all of my credit cards; so I am XXXX, with XXXX,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; XXXX was terminated from his office, due to drinking on the job, however my doctor had already completed my XXXX forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony bank, however my XXXX, and has been for awhile, I was diagnosed with XXXX,and had XXXX last month; it's very hard already for me to maintain daily, but I just don't feel that it is fair to pay for insurance and can't use it because my doctor was terminated.I am now awaiting the transfer of my medicine records from XXXX office, to obtain a new physician, but it will take time to get set up under a new doctor care, meanwhile my bills are continuing adding up, with buying XXXX and gas it's very expensive

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is a group in XXXX that calls several times a day about the amaozon card. they do this even before the payment is due. they want you to wire the money or postdate a check to them over the phone(NO WAY)  they say they represent Synchrony Bank. I called the bank and they stated they were having trouble with that group and guaranteed me that i would not recieve anymore calls from this group in XXXX well this was good for a bout two weeks and then this morning they called again

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 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH XXXXDOLLARS AND I ONLY USED XXXXDOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT SICKNESS OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: NC

Complaint narrative:
There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.

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 2015-10-02 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I set up an on-line wire transfer payment to a Jewelry business in XXXX through my Chase.com on-line banking account. After I set up the payment, my on-line account access was blocked and I was told to call a Chase customer number. I called them thinking I had to " approve '' of the high value of the wire transfer ( {$11000.00} ). But the person on the phone said I had to go into a branch and talk to someone. 

I went into the branch and explained that I wanted to make a wire transfer and that my initial attempt had been cancelled. They never asked me why or they never called into the customer wire service center. It was approved by the manager at Chase and the wire went through. 

On XXXX XXXX, 2015 I had to go back to Chase because I still did not have access to my on-line banking account. Again, I called in and they said I had to go to the branch in person. I was helped by the manager and he called in to verify my account. The customer service person was asking him a variety of questions about the wire transfer and that they had picked up red flags and possible fraudulent activity. However, the wire transfer had already taken place 2 business days ago! So even if I said I wanted the wire transfer to be stopped, it would n't have been possible. The manager asked me if anyone who was helping me on XXXX XXXX, 2015 had called in like he did, I said no. 

Had I known this fraud warning, I would have NOT done the wire transfer. Period. Had a Chase representative call in to find out why the first wire transfer did not go through the issue would have been resolved. But for some reason, the employee 's at Chase did not look further into this matter. 

It turns out that the wire transfer to this business was fraud. And I have not received my product in return for my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 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: IL

Complaint narrative:
I am writing because I had a loan with XXXX which I paid thousands of dollars in interest which was for a school that is closef. None of my credits are any good. I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello, I had student loans through XXXX in the past. Since then, my student loans have been consolidated. To my understanding, there is currently a lawsuit against them and I wanted to inquire if my student loans with them are effected. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I was attending XXXX University when they lost their accreditation. They were granted accreditation for one additional semester in order for any students who could graduate to be able to do so. Since I would not be graduating during that semester I was not allowed to enroll in any class that final semester. I still have the email from the school stating I was not allowed to register that semester. Due to this fact I was no longer a student 129 days before the closure date. Just 9 days shy of the 120 day cutoff. I have written letters to Navient, the US Senators, and the president. US Senator XXXX was working on this case for me but Navient just kept saying they would not forgive my loans. In the beginning they kept letting me defer the loans and never offered me a lower payment. Finally I was able to get my payment lowered to XXXX/month. I paid for a full year and now they have increased my payment to XXXX per month! I currently still owe XXXX for a degree I was never able to finish. I could not transfer my credits to another school because there is not a school within a two hour radius that offers the same program. The most recent letter I have from the WV Higher Education Policy Commission states that I need to petition the secretary of education to have the period extended past 120 days. However, the letter also states that there is no written procedure on how to petition the secretary of education. I sent the email from the school about not being able to attend that XXXX semester to the senators. Senator XXXX stated the appropriate officials were aware of my case but I never heard anything further from him. Senator XXXX also sent me a letter on the same date stating he added the letter to my file, but I also heard any further. That was in XX/XX/2014. Both WV US Senators were trying to fix this for me and the issue still has never been resolved. Navient will not allow me to lower my payment or extend the length of term for when the payments are due. Is there any way that you could look at my case and assist me? I would be more than happy to fax you everything I have. Thank you for your consideration. XXXX, previously XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to Bank of America including the XXXX Certification, XXXX Certification and Occupancy Certification form. I have not received the full extinguishment as promised by Bank of America and have been waiting. 
Under the XXXX Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program ( HAMP ), a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX Standard Modification requirements. When a borrower 's XXXX lien is modified under the XXXX Standard Modification requirements and the first lien satisfies the HAMP eligibility criteria, the XXXX servicer must offer to modify or extinguish the borrower 's second lien under XXXX. 
I was told that through the extinguishment program, Bank of America will report to the major credit bureaus that the my second lien mortgage is now " paid and closed '' and has a XXXX balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent my dispute by mail XXXX, 2015 because I 'm a XXXX and my work schedule does n't allow me to be home so that I can call and speak with a live representative. There are some inaccurate marks on my credit report that I requested Experian to investigate. Today I get this letter which I have attached to this complaint stating that they have not initiated an investigation due to the fact that they think it is coming from a fraudulent source. That 's not true. Because of their lack of care and professionalism they have allowed this harmful information to remain on my credit report. People do mail requests for disputes sometimes when they ca n't call or when they ca n't access their credit report online to start an investigation which is the case for Experian. I now have suffered from inaccurate info for 30 days and can expect at least another 30 to 45 days thanks to Experian. Not investigating a consumer 's dispute is a clear cut violation of my rights and under the FCRA. Please look into this company deceptive practices and help me to resolve this matter quickly and efficiently. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed XXXX collection accounts on my credit report with Transunion, that did not belong to me. On Tuesday, XXXX, I logged onto Transunion website and discovered that all XXXX collections were removed. On Wednesday, XXXX, I logged onto my XXXX account and discovered that my credit score had dropped significantly. XXXX reported that Between XXXX XXXX and XXXX that XXXX collection accounts had been removed from my credit report. These accounts are : 1 ) XXXX 2 ) XXXX 3 ) XXXX. On Thursday, XXXX, I logged onto my XXXX account and it states that between XXXX XXXX and XXXX, that a new account had been added to my credit report. The same XXXX creditors were added back onto my credit report. I called Transunion on yesterday and spoke with a representative that would not confirm to me that these items had been removed and then placed back on my credit report. I have attached pictures, showing that the accounts were in fact removed from Transunion.

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