vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from   XXXX   XXXX   XXXX   which i have disputed them so many times with other  debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened  XXXX  on my credit report. i been in Georgia this is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was checking my credit and a listing showed up under collections.     I am not aware of owing money or being behind or late on any payments.     I have not received any notice, statements, emails or phone calls in the last 2 years of being late on any payments or owing any money.     The claim that I owe {$310.00} was made on  XX/XX/2015   . I do not recall purchasing anything remotely close to that value on  XXXX  day on that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my " Experian '' credit report dated " XX/XX/2017 '' in the U.S. mail. On " Page 27 of 32 '' under " Record of Requests for Your Credit History '' in falsely is noted that " XXXX '' unlawfully accessed my credit report on XX/XX/2017. IThis is not mine. I am a victim of Identity Theft.

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 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have XXXX, now Navient loans from when I was an XXXX from XXXX. I graduated with about 30,000 in student loan debt. Today, that number is over {$55000.00}. The loans were doubled under Navient 's insane interest. My payments began at XXXX a month, today they are over {$600.00} because they continue to jack up interest rates even though my credit has improved since they were issued. I can not make these payments. I called and was told they would be happy to lower my payments to {$400.00} if I agreed to extend my loans to 25 years!!! However, they could whenever they wanted jack up my already high interest rates ( 6-14 % ) on these loans all over again. How is this legal???? The only way they can make my payments that I have always made, affordable again, is to enslave myself further to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
My student loan was with XXXX XXXX, and is now owned by Navient. Since the change, I have not been allowed to pay more than the minimum balance each month. With XXXX XXXX, I was paying far more than the monthly minimum in an effort to pay the loan sooner ( interest rate is quite high ). Navient does not permit advance payment. In fact, until XX/XX/XXXX of this year, every check I sent, directly from my bank, was returned through a government issued check. I also attempted to pay electronically, but that was returned. They content that, although you ca n't pay extra in your monthly payment, you can make an extra payment ; but this was not true until they realized they were in trouble ( lawsuit in XX/XX/XXXX ). I would like to be compensated for the extra interest I 've paid since XXXX XXXX sold my loan to Navient. I would not have agreed to Navient 's terms had I any choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have tried multiple times to get my brother taken off as cosigner for my loan. I make XXXX a year and have not made late payments in awhile, and was basically berated when I told them I could n't afford payments in the past ( right after I left college ). I have submitted the forms multiple times to remove my brother as cosigner, including getting my official and unofficial transcripts, and very thoroughly filling out the forms. I 'm sick of being jerked around by Navient and been treated like a child by their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc
State: VA

Complaint narrative:
My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Per XXXX - SW CFPB AGENT I am writing a new complaint against Citi Bank Cards. 

Citi Bank Card owes me {$250.00} credit unconditional. It is part of Prestige card benefits. 

Citi Bank failed to close the DISPUTE which gave a temporary credit and if the dispute is denied will NOT formally give me a credit. 

I have written to VP XXXX, VP Citi who refuses to respond to me via phone or emails BLOCKING MY ACCOUNT from Customer Service. XXXX is threatening to also charge me for the card annual fee which Citi personnel told me I have 37 days to cancel after billed. 

Citi is DISHONEST and has NOT closed the disputed charge which allows a temporary credit, not a complete credit with dispute closed. 

XXXX, Citi VP and her boss XXXX can be contacted at : XXXX XXXX Citi refuses to communicate via EMAIL or PHONE hindering resolution of this problem

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 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: United Accounts, Inc.
State: ND

Complaint narrative:
I write in reference to the credit Collector : United Accounts , Inc. 
XXXX XXXX ND XXXX I moved out of an apartment ( apt ) building on XX/XX/XXXX, without owing any money to the apt company ( XXXX ). My apartment was checked out by the then apt manager and according to him, everything was ok. 
I moved out before the end of my lease but I was granted permission from the then manager. He told me it was OK for me to move out and he found a tenant to take over my lease and I also gave him my 2 months notice as requested. After I moved out, the apt manager stopped working for the apt company and a new manager took over from him. Between the old and the new manager, there was no transition and no correct exchange of documents so the new manager billed me {$1700.00} because according to him, he was not briefed by the old manager that he was aware of me moving out and he gave me the permission to move out. 

After a year, I received a letter from the debt collector, United Accounts Inc ( UAI ). I immediately wrote back to them disputing the debt. I have submitted sufficient documents to prove that I did not violate the terms of agreement per my rent lease and I had permission from my apartment manager to move out of the apartment. I have submitted all documents to prove that the original debtor ( XXXX ) is wrongfully charging me but still, the debt collector ( UAI ) does not want to drop the charges due to the fact that they want a commission on the alleged debt because that is how they pay themselves. I even sent them ( UAI & XXXX ) 3 pages of text message exchanged between myself and the old manager during the time he gave me permission to move out of the apt . The text messages show all the conversations I had with the old manager including evidence showing that he received my 2 months notce, he giving me permission to move out of the apt and he saying he has found new tenants to take over my lease. The messages also show evidence of him checking me out of the apt . All these evidence is submitted to the credit collector to prove to them that I do not owe any money because I left legitimately without owing any money. However, the debt collector and the original debtor does not want to remove the debt account because I went online and gave them a bad review and so, this is their own way of " punishing '' me. They have reported the debt on my credit report and now, my credit score is messed up. I have always had an excellent credit score of XXXX but due to this debt account, my credit score is currently XXXX. I was in the process of securing a mortgage and because of this, I 've been denied and my credit cards limits have been reduced drastically.

Company response to consumer: Closed
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Back in XXXX 2016 a purchase was made with my credit card that I did not make. I filed a fraud dispute and Citi investigated the matter. When I launched the dispute the charge was supposed to be temporarily removed from my credit card. It was never removed. Furthermore Citi said that I made the purchase which I did not or I would not have made the dispute. So I decided to say screw it, I will pay the amount. Well Citi decided to double charge me for the amount of {$530.00}. They put XXXX charge in my regular purchases and the other XXXX for 0 % interest for 18 months ( this was the one they were supposed to remove and never did when I made the fraud complaint ). When I saw they double charged me back in XXXX I have called and emailed their customer service department. I either get hung up on or per the emails the person commanding the email tells me to just call in. No one will help me. I even issued a response to their executive team which I have not heard back from yet.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NY

Complaint narrative:
Will not give me a pay off letter, and every time I tried to pay what was on my credit report they would change the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a XXXX seeking XXXX. When I consolidated my loans with Navient I was NOT advised that XXXX loan taken out prior to 1998 would exclude me from XXXX. I asked if I could pay off that loan so that I can qualify for the XXXX and I was told that I am unable to do so. When I ask why I was n't informed of the issue, I am merely told, " I am sorry ma'am ''. I have inquired several times and I feel cheated and I feel like I was taken advantage of. 

The only proper solution - I would like to pay off the loan that is keeping me from qualifying for the XXXX. It is only right that I am allowed to unconsolidate, pay off the XXXX loan and be granted the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 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: IL

Complaint narrative:
I received XXXX different credit scores see attached

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 2017-04-11 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: CO

Complaint narrative:
Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.

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 explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This debt is my mine I wrote the credit reporting agency indication I am not aware of this debt to provide information pertaining to this debt came back verified how? when they have no such documents

Company response to consumer: Closed with explanation