vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I have tried to Validation 22 accounts that are on my credit report from American Collection Services. I have sent 2 Certified letters of Validation Request and 5 fax request of Validation letter. I did dispute all of the accounts with the credit reporting agencies. XXXX, XXXX XXXX and XXXX. They removed the all 22 accounts off XXXX and XXXX XXXX but didn't removed of XXXX. They stated to XXXX that the accounts do belong to me. But I can't get any information regarding any of the 22 accounts from the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CO

Complaint narrative:
Hello I paid my mortgage early and actually closed my mortgage loan on XX/XX/2018. I have been contacting Franklin Mortgage for repayment to me of my over payment. As of today, XX/XX/2018 I have not received any monies from them, and they keep saying I will get it, yet nothing is coming through. 

I feel like I am being conned and lied to by a financial instutition. I can't get through to them via the telephone to discuss with anyone. 

This is now 3 months nearly and I believe they should repay me.

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO 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 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient was not my loan servicers it was XXXX XXXX, one day I discovered that it was now taken over by Navient. In XX/XX/2017, I contacted Navient to inform them about my separation from my husband. I tried to lower the payment to something more affordable, or to at least put the loans in a forbearance or deferment program. At that time I was told I would need pay for a forbearance program for 6mos. So I borrow the money ( XXXX ) from a family member and put them into a forbearance. The forbearance only lasted for three months. This action I was told would bring the loans current, and reduce the payment amount. But instead, the payments then doubled. On several occasion, I have contacted the loan server to get an affordable payment amount. Now, there's a threat to garnish my wages if I do not pay something I can not afford. I am a single parent trying to support my son, I am going thru a very nasty divorce. Due to the student loans, I am unable to secure a new job in my field or a mortgage because I am denied for an inadequate credit score.  Please help I do not know where to turn. 
Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I never received notification of the debt. After receiving circular ads and law firm advertisements I followed up and was made aware of suit. Yet, I responded to see who was Midland/ XXXX XXXX XXXX in dispute of the allegations. I'm scheduled for mediation. I have received what's described to be a validation. These documents have affidavits of individuals that I'm uncertain are real and that they are authentic. Since this company has been sued I'm asking for assistance that you would investigate XXXX XXXX XXXX and or XXXX XXXX XXXX in view of these cases. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
i paid my {$42.00} bill and they keep calling me about 6 times a day when i tell them im at work and can not take calls.

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Bank Mortgage Co. isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX someone made 2 hard inquiries with my info to MoneyLion. On XX/XX/XXXX a {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with ML and the bureaus. As of today XX/XX/XXXX ML still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at ML and XXXX at XXXX  today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The glendale police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to ML was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If ML had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.

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 2018-03-27 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: KY

Complaint narrative:
On XX/XX/XXXX, I called my loan provider Navient ( customer support line ). I noticed that my monthly loan payment went up and I had some questions regarding that. Upon calling, the representative set me up for the " Consolidated Student Loan Forgiveness Program ''. She said that I would pay around {$96.00} for 3 years and around {$38.00} for 7 years. After 10 years of payments she said that my loans would be forgiven. I stayed on the phone with this lady for almost 2 hours going over documents to send to her. I do have the documents saved on my computer. She said she also needed pictures of the front/back of my debit card. At this time, these people have taken {$700.00} from me. I have called my bank and put a stop to them taking more payments out. 

I noticed I still had the same payment due from Navient, so I called them again today. They said they had no records of speaking with me on XX/XX/XXXX and no records that I had changed anything with my account. They said that the phone call on XX/XX/XXXX could some how have gotten intercepted and that I spoke with a party that was not Navient. I do not believe Navient is at fault. 

On XX/XX/XXXX, I received a call from my new " Account Manager ''. She left me a message and said her name was XXXX. The number she gave me to reach her is XXXX. I have not contacted this woman. 

I'm hoping you all can help so this does not happen to other innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I have tried to get this resolved with XXXX and the debt collection agency when they were calling about this account several years now. The problem is XXXX is stating I owe a debt of XXXX. To prove I owe this debt they sent me statements. I am not saying I didn't have a XXXX account so therefor I do not need statements. What I am stating is that I called in to a XXXX agent and spoke with a rep who stated that this debt would be removed if I sent in the equipment which I did. Once the agent advised me of the information I mailed in the equipment along with tracking information and waited for the update to take with the debt recovery solutions. Instead I was told that I still owe the debt which doesn't make sense because if you send statements that have equipment fees on there and the balance is still reflecting these fees .. 1 the balance is inaccurate 2. the XXXX agent should not have provided the direction that by sending in the equipment the balance would be updated and removed from my credit report. This is unfair and I know this poses UDDAP concerns by your agent providing me inaccurate information. I want this in accurate info removed from my credit report and the called pulled with the agent providing me this information and I know it can be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
FOR SEVERAL YEARS I HAVE BEEN A VICTIM OF ID THEFT. REPORTED TO FTC, LOCAL AUTHORITIES, & CREDIT BUREAUS ACCOUNTS WERE REMOVED ONCE & DEBTOR HAS REPORTED DEBT AGAIN BUT LISTED UNDER ANOTHER NAME. THEY EVEN HAS IT LISTED AS A DEBT AND ALSO REFERRED TO AND LISTED UNDER COLLECTIONS ON CREDIT REPORT. I HAVE NO KNOWLEDGE OF THIS DEBT AT ALL. THIS DEBTOR HAS SOMEHOW FOUND MY PHONE NUMBER AND CONTACT ME ON SEVERAL OCCASIONS, I PROVIDED POLICE REPORT & NOTIFIED THEM THAT A FREEZE HAS BEEN PLACED ON MY REPORT DUE TO ITEM BEING UNKNOWN. THEY TOLD ME THAT THIS DEBT BELONGS TO ME BEING BILL WAS PAID SOMEWHAT BUT I HAVE NO INTEREST IN THE STORE WHATSOEVER AND ASKED THEM TO CONDUCT A FULL INVESTIGATION OVER AND OVER TO CONCLUDE THAT I AM NOT RESPONSIBLE FOR THIS DEBT. SO THE OUTCOME WAS TO REPORT IT AS A DEBT UNDER ANOTHER NAME AND ALSO TO COLLECTIONS SO I HAVE THIS LISTED TWICE AS A DEBT AND ALSO AS A COLLECTION ITEM. THE AMOUNT OF THE DEBT AS REPORTED IS {$1000.00}. THE REPORTS WAS FILED IN 2014 ON 3 DIFFERENT OCCASIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I purchased a new vehicle in XXXX ( Vin # XXXX3 ) in XXXX of 2000, the vehicle was originally financed through XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX. The vehicle was paid off, however XXXX XXXX was acquired by CitiFinancial and has since gone out of business. I have moved from XXXX to XXXX and I am in need of a Lien Release in order to license my vehicle in my new state. I have tried to contact Citi to no avail, I was referred to website ( XXXX ) to acquire the documentation via XXXX XXXX, XXXX has confirmed that they have no record, and stated if the loan was paid for prior to their acquiring the auto loan portfolio from Citi they would not have any record of the lien release and referred me back to Citi. I tried several numbers and could not get human on the line, by searching XXXX I found that my situation is no isolated and many former XXXX XXXX customers have had similar experiences.

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 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX  on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: AR

Complaint narrative:
I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: SC

Complaint narrative:
I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXXsomeone made 2 hard inquiries with my info to XXXX. OnXX/XX/XXXXa {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with XXXX  and the bureaus. As of today XX/XX/XXXX XXXX  still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at XXXX and XXXX at XXXX today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The XXXX police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to XXXX  was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If XXXX had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This was placed on credit previously and removed now account placed on credit again request account to be removed immediately. Account was paid by XXXX XXXX XXXX XXXX already. Please review attached forms

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am XXXX years old and on Social Security. As recently as yesterday morning I received a threating call from a XXXX XXXX in New York claiming he would sue me, ruin my credit, and step up harassment if I didn't pay {$4000.00} which was accruing interest daily. 

I have received over sixty calls from this person. I can not verify that he maintains a license as a debt collector in the state of New York. Sometimes he uses the name XXXX XXXX, other times he uses XXXX XXXX, and still other times he identifies himself as being from XXXX. XXXX XXXX. I received one letter from him that had two different logo 's, one was an XXXX under another, but both appeared to be third generation photocopy letterhead on the same page. 

I have contacted XXXX XXXX directly who advises the account owing {$4000.00} is now paid off. We also satisfied another XXXX XXXX charge from purchases made in the XXXX. 

XXXX XXXX certainly feels to me that he is acting with the profile of a scammer. I would like him and any associates to stop the intensive calling. 

Thank you!

Company response to consumer: Closed with explanation