vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! 

Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! 

This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! 

Thank you for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I am a current XXXX XXXX who has been trying to place my loans in XXXX XXXX forebearance. I have called to my loan servicer, Navient, numerous times to provide the appropriate paperwork. They have also confirmed that this paperwork is not something I can download but rather they need to produce and either electronically send to my inbox or mail. 

Months have gone by and I still have not received the appropriate paperwork. Meanwhile, I have been having to pay fees due to the fact my private loans still are not in XXXX XXXX forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Express Cash Mart Management
State: WI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX (XXXX) reported a 'placed in collection' balance of $XXXX to XXXX on XXXX XXXX, 2017.  

They reported the original creditor as XXXX XXXX XXXX of WI with an open date of XXXX XXXX, 2017.  I do not have a balance with this creditor.  This appears to be a 'new' balance, which resulted in a significant credit score drop.

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc.  Additionally, there was direct refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: AR

Complaint narrative:
I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
There is a collection account on my credit profile that I have no knowledge of. I do not know who XXXX XXXX XXXX is or why they are trying to collect money from me. I do not have a signed contract with XXXX XXXX XXXX. I have never contacted them. They have never contacted me. I do not owe them. I do not know why this company is attempting to collect. This is adversely affecting my credit worthiness and I need XXXX XXXX XXXX to remove this immediately.

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 2017-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
Medical services were pre-approved by my insurer XXXX, it was covered under my group health plan. XXXX paid said claim. Central States, the collection company is repoting false and incorrect information. 
Claim was paid, debt now owed. 
Their claim of when account was opened is impossible as I the services were rendered in XX/XX/XXXX and I did not have XXXX insurance in XX/XX/XXXX nor work for the same employer. 
I have contacted Central States and they refuse to accept documentation from the insurance company, EOB or any other documentation to prove it is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX card has put charges on my card several times without me having purchased anything. Every time I call they say its a computer error. I just started catching it but I dont even know how much money they have take from me due to computer error. Every time this happens its also a lengthy process to bring my account balance current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.

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 2017-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX night I bought a tv and XXXX from Best Buy. At the checkout the guy told me I could get 10 % off if I applied for a card. During the process their system froze. They told me it was happening all night. I purchased the stuff on my regular credit card without getting the 10 % off. Later I received an email welcoming me to the credit card. 
I called today to tell them they card was a fraud because I never finished the process. They said they would cancel it. They then said they wanted me to verify my address so they could send me correspondence. I told them they have my permission to open the account in the first place and I would not provide them additional information. I also told the I was contacting CFPB.

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 2017-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.

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 2017-12-03 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: TX

Complaint narrative:
cra violation of my consumer protection act po report sent to XXXX, XXXX, trans inaccurate information must be removed

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 2017-12-03 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: TX

Complaint narrative:
cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: TX

Complaint narrative:
cra violation of my consumer protection act po report sent to XXXX, exp, XXXX inaccurate information must be removed

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 2017-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

Warmest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX  XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the Equifax and XXXX records are still reflecting a {$2500.00} balance owed. I contacted XXXX  to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.

Company response to consumer: Closed with explanation