vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX ( ERC ) for amount of XXXX. I have sent ERC a debt validation and ERC has not responded to my request. I also disputed this with all three credit reporting agency. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
Received repeated calls from Direct Recovery Services which were intended for someone else. These are at least weekly and not intended for me. When I called the number back to have my number removed and ask why I was receiving so many calls meant for other people, a man named XXXX XXXX screamed at me, shouted over me and told me I " need to stop barking like a dog, who do you think you are, do you know who you're talking to, you dont talk to me like that '' etc. I then asked for his name and what company he was with. He refused to answer. I then asked for his supervisor. He refused. I asked him again and he said " I tell you what, you can have my name, XXXX XXXX, Direct Recovery Services. Theres no manager here, theres only one person above me and thats the owner of the company and you aint gon na talk to them. '' This was all because I inquired about a calls I receive that are not meant for me. He basically told me to shut up and then maybe he'd answer my questions. I dont know this company and have XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found repeated hard inquiries opened by companies listed on my credit bureau report of all 3 bureaus ... .I sent certified letters to the reporting agencies and credit company that ran these hard inquiries and my letters were received threw certified mail ... ..I received only letters back from the Transunion bureau and 2 credit companies stating they didn't have to prove I authorized these repeated inquires by any written authorization constituting permissible purpose or consent by me. My complaint was dismissed and ignored by these bureau 's. ( Note ) My open XXXX XXXX Credit   account and XXXX XXXX XXXX Credit Card account ... those 2 inquiries are accurately reported and in good standing ... I do not dispute those. My name is XXXX XXXX XXXX My Social Security is XXXX My home Address is XXXX XXXX  XXXX XXXX. XXXX XXXX, Tx. XXXX I have the signature confirmations showing the certified letters were indeed recieve on XX/XX/2018 Requesting the hard inquiries.. I did not authorize be removed immediately. 
My requests were denied by all ... It has hindered my ability to have access to apply for any credit period. Thankyou for your attention on this matter. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice that my credit rating was negatively impacted by a late payment to XXXX. I apparently did receive the bill electronically, but it never notified me that my payment was late. The credit representative said there was a " subtle reminder. '' Also, XXXX XXXX claims they tried to call me but had the wrong number. 

If you sign up for automatic notices, they should send you a specific reminder. But that is not the primary issue here. 

I have had a XXXX 's account since 2008 and had no issues. What bothered me here was when I called XXXX 's to discuss the situation, they said they could help me with the credit report if I paid the past due balance -- and once it posted they would give me the contact number. I did not have a problem with this, as missing this payment was an accident and I had full intention to pay. However, when I called this contact number if was clear that XXXX 's had no intention of fixing the problem on the credit report, and said that they could not do it. This was a bait and switch tactic.

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 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am a XXXX in Florida. I have been with the rate reduction program for the past few years, due to my income as a XXXX. Every year I give a financial statement to reenroll back in the program. This year they said I am no longer eligible for that program or any other plan and have demanded I pay the full amount monthly on my loans. That is over half of what I make a paycheck. I have never been late in making a payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: NC

Complaint narrative:
To Whom It May Concern : My loans, which were initially with servicer XXXX, were set for repayment in XX/XX/XXXX. I signed up for an income base repayment option at this time ( I was in XXXX  ). In XX/XX/XXXX I entered into a Public Service Loan forgiveness program and my loans were transferred to XXXX XXXX. This company was suppose to back track my qualifying payments and count them toward my forgiveness ( The XXXX that I was working at was non-profit and qualified ). Unfortunately, this was never done. I called several times and submitted several complaints. They state they have my file and it is in the process of review. They state ; however, that there is no one who reviews these cases. They can not direct me to a manager or reviewer. They acknowledge over the phone that these months should count, but have failed to correct my qualifying payment number. This has been ongoing for 9 months. I would like the months of XX/XX/XXXX-XX/XX/XXXX to count toward my total number of qualifying payments under PSLF. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I'm a M/L Wealth Management Client. I believe that BOA decision to stop loaning money to firearms businesses is political activism, and is illegal. The firearms businesses are producing and selling legal products. I consider this to be gun control by financial institutions.

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 2018-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Relief LLC
State: WA

Complaint narrative:
The company XXXX XXXX XXXX called and left me a message today XX/XX/XXXX, stating it was in reference to my student loan and that they needed to discuss payment options with new changes that were taking effect. This was a very misleading message I received and my loan payment is due in a week and a half so I thought I needed to call back and make sure my payment was fine. When I called back I spoke to XXXX, he stated that XXXX has a lawsuit pending against them by the government for giving out loans and offering low monthly payments that would never apply to the principle. This made sense to me given the fact that I have had my loans for almost 20 years and I still have come no where close to the principle amount. XXXX then said that his company worked with the department of education and they were given a list of students with current loans to contact them and help them with their debt. He told me that he sent me an email to help look into my account and I needed to give him the number provided in the email. I stupidly gave him the number and asked him why is this email say it is a password change and it is coming from FSA? He told me not to worry that email was from him and he would be able to access my loan information to help me out. He then changed my password. I though it was all really fishy sounding but I still gave him the number it was all confusing and I had never logged into FSA prior so it did not click what was happening at first. He then proceeded to talk about all 6 loans I have the dates amounts ect. He told me that his company would put it on a 10 year payback plan and complete wipe out the rest of the amount when this was completed. I told him that I wanted to research his company and not make any decisions until this coming Tuesday. XX/XX/XXXX. Upon further inspection, I found there website to look very fictional, the content listed on the site made no sense, not to mention it was built with XXXX  photos. XXXX is there web address. I also found them listed on the XXXX  for fraud. I then luckily went to FSA site and changed my password so they could not access my information any longer. I also called my loan provider and let them know the situation which brought me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: MA

Complaint narrative:
Equifax reporting XXXX XXXX XXXX amount of {$670.00}. I have disputed this account with XXXX XXXX and Equifax. After dispute XXXX and XXXX removed the account and Equifax removed the account then placed it back on. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX/XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX XXXX ref #  XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.

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 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo to pay my debt and requested a letter showing that I paid my debt. I received the letter from Wells Fargo but the wording on the letter does NOT clarify that my debt is paid in full and that there is a XXXX balance on my account. The letter states that " Upon receipt of valid funds we would update our records to indicate the account is settle ''. I've call several times requesting a letter clarifying that my debt is settle in full but the representatives keep rejecting my request, I've ask to speak to a supervisor and the reps tell me he is at lunch and on another call I made they said the supervisor had to " leave early '' and that he would return my call at a later time. This is not to much to ask for a simple letter stating that my account is settle in full, I don't understand why they are giving me such a hard time. I'm in the process of buying a house and I need this documents asap this is time sensitive. 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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C.
State: MT

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX TD Bank ( XXXX Branch Number XXXX ) prepared and sent an International outgoing wire to XXXX , XXXX XXXX deducting {$9800.00} from my account to do so. On XX/XX/XXXX the recipient stated it had not arrived. So I had TD do a trace to find the wire. They stated it was at XXXX bank and may be held while funds converted. When the recipient could not trace from their end I requested a recall of the wire. In all cases there was no response from the XXXX bank ( if it was there ). 
From then XX/XX/XXXX until now XX/XX/XXXX no response from XXXX bank is the only report I get when I call. Frustrating is no one wants to help and requests for escalation are ignored. Evidently no one is skilled enough to trace and retrieve. 
The recipient was sent copies to trace from their end and their bank said no wire with those dates and amount was found. 
I feel this wire is in limbo or maybe a false image out there in the system. 
How can their be so little knowledge or skill if a bank is providing this service No one wants to help. I call XXXX XXXX and wait while the rep calls Wire Dept. the answer is always the same : nothing can be done, it is the XXXX Bank holding the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MT

Complaint narrative:
Credit Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My Trans-Union Credit score was at XXXX onXX/XX/XXXX Five days later it was lowered 79 points to a Score of XXXX on XX/XX/XXXX. I call Trans-Union and told them that absolutely no changes, collections, or outstanding debts had been added to my credit history at all.

The Trans-Union Rep simply stated that it was most probably affected by several hard Credit inquires. I explained the last hard credit inquiry occurred inXX/XX/XXXX, and had no others. The Rep continuously tried to sell me my Credit Score, I told them over and over again that I already had it. They told me unless I purchased my Credit score from them they could not proceed further to help me. They lowered my score also before in XX/XX/XXXX as well. This time I have attached proof of their fraudulent reporting, and a comparison with XXXX during the same time period. I want my Credit score put back to XXXX I have no credit factors that Trans-Union can produce that justifies lowering my Credit score by 79 points in 5 days.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : Diversified Consultants, XXXX, first called me last month stating I owed an outstanding bill with XXXX XXXX XXXX that they were trying to collect on for them. I let them know I did not owe XXXX XXXX XXXX any money. The Collector stated I owed over {$400.00} to them which also included a termination fee. I let her know if I owed XXXX XXXX XXXX money, then she would not be getting through to me on my phone. I let her know I was calling XXXX XXXX XXXX and she tried advising me not to call them because they would only direct me back to them, so she put me on hold. I hung up on her and, immediately, called XXXX XXXX XXXX and submitted a complaint with the XXXX XXXX XXXX Representative, who saId XXXX XXXX XXXX has its own accounts receivable deparment when collecting and she the XXXX XXXX XXXX Representative said I did not have any outstanding balance with XXXX XXXX XXXX. The XXXX XXXX XXXX Representative was going to submit this to their fraud department. 

Then, today, I get another call from XXXX, at XXXX XXXX demanding I pay the debt. I let her know I confirmed with XXXX XXXX XXXX that I did not owe any money. She said I owed it and that she was going to let XXXX XXXX XXXX know I refused to pay it. I let her know to go ahead because I already filed a complaint with XXXX XXXX XXXX against her company and I was notifying the CFPB because I do not owe XXXX XXXX XXXX any money. I hung up with her and, immediately, called XXXX XXXX XXXX and talked directly with XXXX, in their fraud division, who was going to intervene to get this company to stop harassing me because I have a XXXX balance with XXXX XXXX XXXX. 

XXXX XXXX had no right calling me again, when I told them not to call me and that I did not owe them any money. They had no right trying to prevent me from calling XXXX XXXX XXXX to verify the balance, which I did not owe. 

Please tell XXXX XXXX to never call me again and to never harass me again. Tell them I do not owe XXXX XXXX XXXX a dime and that they had NO right trying to prevent me from contacting XXXX XXXX XXXX. They had no right trying to force me to pay a debt without allowing me to first verify it with XXXX XXXX XXXX. 

Please tell them to refrain from contacting me and that I do not owe them a dime! It is harassment. 

Thank you in advance for your time and consideration. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: ERC
State: FL

Complaint narrative:
I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation