vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Trident Asset Management, L.L.C.
State: WI

Complaint narrative:
Called in XX/XX/2016 asking my parents where I was pretending to be an old friend I believe the caller 's name was XXXX or XXXX it is a debt I DO NOT OWE I told that to the first lady who called me back in XX/XX/2016 asked for verification and she could not provide any. Very frustrating dealing with underhanded tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collectors Inc
State: GA

Complaint narrative:
See previous case # XXXX. I have previously complained about this companies tactics. 

They previously repeatedly contacted me. They screamed and yelled at me demanding my SS #. Based on their repeated bullying tactics, I refused to give them any of my personal information. Their ethics worry me and make me feel like if I give them the information, they will add me to this debt. 

Previously, XXXX said he was satisfied that this was not my debt based on the information you guys provided in my complaint ( partial social ). 

I have just received a letter today, dated XXXX/XXXX/2015. They are AGAIN contacting me about a debt that is not mine. They already know this is n't my debt. I am worried they are trying to MAKE this my debt. I do n't want to contact them because XXXX is not professional or calm - he screams and demands information. 

I do n't know what to do anymore. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I borrowed XXXX dollars from a pay day loan company and the agreement was ninety XXXX over a period of thirteen weeks. I have since paid them XXXX dollars and XXXX cents from XX/XX/XXXX until XX/XX/XXXX. 
I gave them a call and they told me because my contract say thirteen weeks I still owe them XXXX dollars per contract. 
when I sign the contract it was done on line so it was not explained to me properly and of such I did not understand 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 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from 2009, 8 years old and 1 year past reporting the credit reports and ability to collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc.
State: GA

Complaint narrative:
CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
This company, Prime Business Service, is reporting a duplicate account and debt. I have disputed with them several times and they do no respond. XXXX companies can not collect on the same debt at the same time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DYNAMIC RECOVERY SERVICES, INC.
State: VA

Complaint narrative:
Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: VNU Group, LLC
State: TX

Complaint narrative:
XXXX by Pacific Credit Group says I have a past due account with them. I never heard of them. The address they have for the alleged account on file is in XXXX, I live in another state. They never checked credit or reported to credit Bureau so there is nothing on my Credit Report or any alerts. I was a victim of the XXXX hack so US Gov pays for credit monitoring. Nothing in Credit monitoring. XXXX insists I give them my address, social, etc. which I declined to give in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: CarMax, Inc.
State: VA

Complaint narrative:
I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A criminal entity posing as " XXXX '' made inquiry to my TransUnion credit file on XX/XX/XXXX and was given access to my full report. Within the next 30 days, my identity was stolen. I confirmed the fraudulent nature of the fake " XXXX '' credit inquiry with the actual National Coordinator of " XXXX '' on XX/XX/XXXX. On XX/XX/XXXX, I sent a Certified Letter to TransUnion informing them of the Fraudulent Inquiry and provided them with relevant details of the fraud. I also alerted TransUnion to the fact that continuing to provide Subscriber Services and Access to the Fraudulent " XXXX '' entity was putting unknown hundreds, or perhaps thousands, of people at risk of Identity Theft. Finally, I requested TransUnion contact me to discuss the fraudulent inquiry made to my credit file and to receive information from TransUnion regarding the contact information and transaction history with the Fraudulent " XXXX '' entity. 

On XX/XX/XXXX I received a response from TransUnion that was totally unresponsive to the information I had provided or the specific nature of my request ; their reply says only that " the information you disputed does not currently appear on your TransUnion Credit Report ''. I had hoped to receive a response that acknowledges the Breach of Security and unauthorized access to their files so that I could help law enforcement catch the criminal and to prevent others from having their Identities stolen. 

TransUnion 's response is appalling in its arrogance - they did not even respond to my specific request - and is an unacceptable reply in that it shows complete and total disregard for the security of the credit files that is central to their business.

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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please find attached a letters of disputes to XXXX, XXXX and XXXX on XXXX 2016 in regard to a Capital One Account that I had asked under the Debt Verification Rule to produce the negative debt of {$7000.00} that is being improperly recorded within the 30 days required. Also find attached a Dismissal Letter of the case in XXXX County Clerk of the Courts ( Florida ) for non production of debt. Under the Debt Verification Rule, XXXX, XXXX and XXXX cited that the negative debt remained with proof from Capital One. I have never received any of these documentations to this current date to prove the debt. And by admission of the courts, they also did n't receive any proof of debt and dismissed the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Accounts result of previous fraud dated back XX/XX/XXXX disputed numerous times from XXXX XXXX {$4500.00} and Judgment XXXX {$4500.00} from XXXX # XXXX are results of Neglect on Both parties to follow up on Disputes back from XX/XX/XXXX thru XX/XX/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 non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Finance Store Inc.
State: IL

Complaint narrative:
I XXXX XXXX applied for a loan on XX/XX/XXXX paying the processing fee of {$1500.00} to XXXX XXXX whom I was referred by XXXX XXXX. Then after that I didnt hear back from anyone regarding my application and I insisted to XXXX an answer for the application and he commented that the loan was being processed. He did n't give us a closing date he only said that we should wait for an answer regarding the loan. I trusted Ascension so I waited till XX/XX/XXXX when an XXXX XXXX contacted me and stated that XXXX was an irresponsible individual and said that he had several weeks trying to contact him and XXXX would n't respond to his calls.XXXX asked for personal information and a service fee of {$750.00}. in which the application for the loan was {$500.00} and to pull the credit was a {$250.00}. Reassuring me that he needed the money right away so he could finish processing the loan because it was approved and i was just waiting for a closing date. Weeks went by and we lost contact and I couldnt get a hold of him. I called and emailed him numerous times with out being succsefull. On XX/XX/XXXX I recieved a call at XX/XX/XXXX XXXX time and XXXX XXXX XXXX.Asking me for a letter notirized letter in which i was suppose to appoint a power of attorney to interpet me. Later XXXX called me and said he had emailed me a letter in my email and to have it signed and notarized and return it via email. After reviewing the letter and noticing that he was appointing himself as power of attorney so i ignored it. I then decided to appoint XXXX XXXX as my power of attorney and interpreter. The following day XXXX XXXX called me and told me that she needed my information I sent all the information she asked for via email. Weeks went by and no would answer my calls. I called numerous calls to XXXX, XXXX and XXXX. I was wondering the status of my loan so I called the bank myself. Then they stated that they could n't processed my load because the underwriter would n't work with people that do n't speak English. XXXX the representative said that they do n't charge for a fee and that they knew the individuals that had processed my loan and that the legal department was going to contacted me and I since then have n't heard anything from the legal department. I was told that XXXX and XXXX was a third party representative

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed an inaccurate item on my TransUnion credit report and requested that they do an investigation on the account. A few weeks later, I was informed by Transunion that the account was verified as correct so I contacted the alleged creditor ( XXXX ) myself. I spoke with a representative at XXXX and was told that I was no longer responsible for the debt, which was discharged via XXXX filing. I immediately contacted Transunion and requested the name of the representative at XXXX that they contacted and any documentation that XXXX provided to verify that I owed them a debt. TransUnion sent me a letter in response claiming that their investigation on the issue was complete while failing to provide any proof that they conducted any investigation at all! I have contacted TransUnion on many occasions by telephone asking what method is being used to continually verify this inaccurate information. Several representatives from TransUnion have told me that the way they conduct an investigation is by way of an electronic code sent to the alleged creditor, which is most likely the XXXX method. This is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Baxter Bailey & Associates
State: WA

Complaint narrative:
1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I had a loan out with Citizens One Auto Finance for my XX/XX/XXXX XXXX XXXX when I was in XXXX. I paid off the loan and received a payoff statement from the bank dated XXXX XXXX, XX/XX/XXXX. The VIN # on this vehicle is XXXX and the account # is XXXX. 
On XXXX XXXX I went to the XXXX to get plates for my truck as I permanently move to XXXX XXXX XXXX, XXXX to address on front of this paper. I sent my XXXX plates back to the XXXX in XXXX, With XXXX auto insurance in hand, title, and payoff letter from this bank, the XXXX would NOT issue me plates dues to no signature sign off on the payoff letter. 
Product Vehicle loan Issue Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Samuel Whitaker & Associates LLC
State: PA

Complaint narrative:
Samuel Whitaker Associates called me numerous times, supposedly collecting for an XXXX account that no longer shows on my credit report. They threatened me with legal action ; that they would come to my home or work with a summons. Supervisor cursed at me over the phone, demanding that I agree to automatic payments from my bank account. She hung up on me. I called back, but they would not answer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?

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