vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
At XXXX MST on Saturday, XX/XX/19, a person identifying themselves as XXXX XXXX left a message on my home phone stating that she was calling regarding a time sensitive personal business matter and asking to be called back during ordinary business hours at XXXX, ext XXXX. No other information was given. My phone recorded the call as having come from NAVIENT and the calling number as XXXX. I still have the recorded message. 

I tried unsuccessfully to call back that afternoon. The recorded message was that I had reached something known as XXXX XXXX XXXX, but that the business was closed. When I called back several times on the next business day, Monday, XX/XX/19, the person answering the phone on each occasion also identified the business as XXXX XXXX XXXX. 

I have never had any dealings, business or otherwise, with either NAVIENT or XXXX. 

When I finally reached Ms. XXXX she asked for the last 4 digits of my Social Security Number. I refused to give that information to her without her explaining why she was calling, and why she found it necessary to call before XXXX in the morning. She stated that her company was contacting me in connection with some contract they had with some taxing entity of the State of New Jersey. I told her I had never lived in or had any business with New Jersey. As for the time of her call to my home phone which has a XXXX area code ( peculiar to a small portion of Colorado in the XXXX area ) she dismissed that with well, it could be a cell phone number so we wouldnt know where it was at the time we called!! I guess its OK with her to call any number at any time, regardless of the law. As it happens, my home phone which she called is a land line. 

She also claimed, falsely, to have sent me a letter, and to have spoken previously with my wife. 

Ms. XXXX finally gave me the full name of the person she was trying to contact, and I think I was able to convince her that I am not that person. We have similar names, which I will be happy to share, if necessary. 

According to Ms. XXXX, our conversation was recorded. 

Her actions constitute, at the very least, violations of the FDCPA : specifically, 15 USC 1692c ( a ) ( 1 ) calling before XXXX at the consumers location ; and 1692e ( 10 ) and ( 11 ) making false representations, and failing to give mini Miranda warnings ; and the Colorado Uniform Consumer Credit Code : specifically, CRS 5-5-109 ( 2 ) and ( 4 ) ( b )  engaging in unconscionable conduct, such as communicating at an unusual hour so as to harass the consumer

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 2019-02-27 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: VA

Complaint narrative:
I recently went to a credit education class and XXXX of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX FUNDING, XXXX XXXX, XXXX XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.

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 2019-02-27 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: VA

Complaint narrative:
I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IL

Complaint narrative:
My US Bank Account Credit Card and Line of Credit was hacked after 2 Plus Years of no Late Payments - I immediately reported it to US Bank with no assistance to date.

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 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/19 Morning- XXXX XXXX XXXX contacted me regarding an unpaid debt from Walmart for approximately XXXX dollars. On this date they threatened to take legal action. 

XX/XX/19 Afternoon- My wife contacted XXXX XXXX  XXXX and asked about said debt and they gave her private information without anything to verify identity including SSN, Pervious address, Full name and date of birth. At this time they demanded a wire transfer of amount stated. 

XXXX- Demanded wire transfer that was told to my wife and wanted the wire transfer number for tracking purposes. I requested a certified letter with Debt lenders information and amount of deft owed to said collector. I was told that they did not have time for that and would sue me using Walmart 's legal Department. Also threatened to put a warrant for my arrest and contact my place of work. 

They continued to contact me multiple times after and I was advised by XXXX XXXX that I did not have to answer calls made by XXXX  XXXX   XXXX. Also that they have to provide a certified letter with Debt lenders information and amount of deft owed to said collector.

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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I brought into the XXXX Branch of Bank of America directly a cashiers check for XXXX dollars from a XXXX XXXX XXXX who purported to buy my XXXX XXXX through XXXX. 

I told XXXX XXXX clerk at Bank of America that this was a cashiers check, and she said that it would clear at midnight on XX/XX/XXXX. I received a note from her that there would be no provisional credit but I could use the money after midnight on XX/XX/XXXX. I then checked the balance several times during the next few days, and it always indicated that the money was in my account. Since the buyer had overpaid for the car, he directed me to use a XXXX Transfer to send XXXX dollars to be used for the transport of the car, which I did on XX/XX/XXXX, well after I had been assured and had relied on BOA that the money was in my account. Then on XX/XX/XXXX the money was debited from my account and I was told that the cashiers check was no good. However, I had done everything I reasonably could to make sure that the cashiers check was good. 

I therefore think that BOA should reimburse me for {$2500.00}

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 2019-02-27 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: AZ

Complaint narrative:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery
State: CO

Complaint narrative:
Immediate credit recovery which is contracted through department of education is attempting to collect debts of the wrong amount. A garnishment was sent to my employer with a specified amount to be garnished. After reviewing the final payoff letter mailed it appears that Immediate credit recovery is reporting incorrectly the amount paid. I had a garnishment in the amount of XXXX sent to my employer. I have since paid XXXX. This would leave a balance of XXXX. Immediate credit recovery continue to report that a current owed amount as XXXX. The website XXXX shows a current total debt balance of XXXX. When speak with immediate credit recovery they stated that balance is not correct. At no point on garnishment paperwork did immediate credit recovery state the balance may change based on interest. No disclosures of interest or balance adjustments for collection fees, ect. This should all be detailed for the employers and for the employees whos wages are being garnished. I wish for an update for requirements of these agencies to disclose balance and debt amount changes due from collection fees and/or interest. Instead of falsely reporting a set amount and making it extremely difficult to find out the correct balance or access correct payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX  XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I received a letter on XX/XX/2019 from XXXX XXXX XXXX for the balance of {$660.00}. The letter explicitly said if i wasn't able to make a full payment, they could set up a payment plan. I opted for the payment plan, but when i was transferred to the collections department, I was told I couldn't use a payment plan, even after the written letter stated I could. XXXX XXXX threatened to sell the account to collections if I didnt remit the full balance, even though I told them I could not make a full payment and could only do the payment plan. XXXX XXXX XXXX sold the account to Lanier Collections violating the Fair Credit Dept Reporting Act, which gives me notice to dispute and decide on how to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Recoveries, Inc.
State: NY

Complaint narrative:
Hello, I am a XXXX  XXXX through the XXXX XXXX XXXX. My client, XXXX XXXX, attempted to rehabilitate his loans with National Recoveries Inc. on XX/XX/19. We were on hold for 50 minutes and were then disconnected from the line. We called on XX/XX/19 and have been on hold now for 30 minutes. I expect we will be disconnected again. It is now the end of the month and will be missing out on the XX/XX/XXXX payment if we are not able to connect with them. My client in good faith saved a small lump sum to make 9 monthly payments. We attempted to file a complaint with the National Recoveries and we received an error on the web page. 

We called the XXXX XXXX XXXX to discuss what can be done, but they were experiencing a high call volume and we could not connect with them. 

He is trying to correct his defaulted loans, and it has been a frustrating situation to deal with.

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 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I received a " pre-selected '' loan amount from Avant providing a web address to go to for a loan approval amount that WOULD NOT require a hard credit inquiry. Their website stated I was approved for {$3700.00} ( I had asked for $ {$3500.00} ) and provided a loan doc for electronic signature subject to credit verification and asked for a bank account number for a next day direct deposit and for eft monthly repayment. I approved and signed the doc and a hard inquiry was made. I was then asked for two years of tax returns after the inquiry was made. Not wishing to provide two years of business and personal multipage tax returns ( I'm self employed but also have business partners ) I cancelled the loan application but am stuck with a hard inquiry. I feel this is a deceptive process. If they were to provide all possible requirements PRIOR TO FALSELY PROVIDING AN APPROVED LOAN DOC FOR SIGNATURE this would have avoided my having a ding on my credit report for the inquiry. 

The company in question is : Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo recently shut down my credit card without explanation. I contact them and they said there would be a letter in the mail explaining why it was shut down. The letter came and there was no explanation as to why they would close my account. Then on the XXXX, I received a letter that they were shutting down all my checking accounts and my savings accounts. And once again there was no reason shared for shutting down my account. Both times it says that that information is proprietary. My credit score and payment history our excellent, there is no fraud on my accounts, and I've no derogatory marks on my credit. Not providing any explanation as to why my accounts have been closed in not only unacceptable, but has seriously financial impacts. I had to scramble to change all automatic charges to both the card and bank account. By the time I received the letter I had less than a day to open a new checking account at a different bank to ensure I received my direct deposit. Additionally, the closure of all of these accounts hurts my credit and standing at other banks, yet I have done nothing wrong. Wells Fargo should be required by law to tell you why there are surreptitiously closing any account. On top of that, they should be held responsible for the damage they have caused to my credit and my life.

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 2019-02-27 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: Penn Credit Corporation
State: PA

Complaint narrative:
when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX XXXX discretion. If my information would have never been " hacked '' or " breached '' by XXXX I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: PA

Complaint narrative:
when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX 's discretion. If my information would have never been " hacked '' or " breached '' by XXXX   I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )

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 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

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 2019-02-27 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: AZ

Complaint narrative:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

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