vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
The Law Offices of Robert J Colclough and XXXX XXXX have been calling me at work. They placed a judgement against my checking account for debt owed back in XX/XX/XXXX. Case XXXX. My understanding is that for California residents, collectors are not allowed to call you at work. The collection representative called me and identified himself by first name only and XXXX XXXX. I told him that I'm already working with someone from XXXX XXXX. When I asked the collection representative how did you get my work phone number. That's a clear violation of the Fair Debt Collection Practices Act. He hung up on me. I've been working with a Mr. XXXX XXXX ext XXXX who has been assigned to my case. In the beginning I made many attempts to get a hold of him. He was never available. Finally he calls me back and tells me that I owed {$6800.00} from an old credit card back in XX/XX/XXXX. I told him that I'm going through financial hardship and that I can be placed on an installment plan. He said that he would get back to me by XX/XX/XXXX. I've been calling and leaving messages but nobody has called me back. Instead I get this surprise letter that now I owe {$30000.00}. What is this? They won't call me back to explain. In the attachments are the court docs showing a total of {$6800.00} and letter from Law Offices of Robert J Colclough showing current balance due of {$30000.00}. Smelled like a scam from the beginning but now starting to feeling like one. The only reason why I contacted them is because they got into my checking 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 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/2018, the day before my mother died, I made a purchase in the amount of {$100.00}. Due to the stress and attention required to settle my mother 's estate, I was three days late paying the amount in full. I asked for leniency due to the circumstances. I continued to ask for late fee to be reversed ; I am now being charged fees and interest on that original late fee. I am getting at least a half dozen phone calls a day - which I consider harrassment - from XXXX XXXX. I paid the balance I owed. They could very easily have forgiven the original late fee. This was a new account and I only made this one purchase with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XXXX of 2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. Trans union, XXXX  and 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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, XXXX  and Experian.

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 2019-02-23 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: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I am adding more documentation to a current complaint. The attached document further details line by line the payments I made to the center for children that was never credited to the ledger. Further, there are payments noted, however not recorded. The ledger attached has my payments, the billings and then the total amount the attorney billed me in full which was {$3000.00} on page 10 of the attached XXXX XXXX document billing statement. I paid that in full based on my payments that were recorded. The billing statement is vague, ambiguous and there is nothing to show for the billing 's validity. It is just a bill with nothing to prove it is legitemate. Further, I paid my portion of the billed debt. Lastly, there is a court action that dismissed this attorney on XX/XX/14. There was no valid or legal billings allowed after that date. 
This debt was purchased by Southwest Collections and is a third party debt. It is illegal and action needs to be taken to get it off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: TX

Complaint narrative:
I was enrolled at XXXX University for a total of 10 days. I am not a high school graduate therefore I did not understand the curriculum. After calling the admin at XXXX she stated no problem and I would not be charged. Now there is a federal student loan for {$9500.00} plus interest that I owe. First, I was informed that since I did not qualify to attend college with no Diploma and no Equivalent and unenrolled within 10 days, I would not be responsible for any charges. Second, I was never informed that the charge was {$9500.00} on two separate loans. After attempting to contact Navient, they refuse to help me get this resolved. Navient also states that I was enrolled at XXXX University XXXX ( Which I never attended ).  They have also reported me late several times to all credit reporting agencies which I don't understand and completely disagree with as the months I was reported late, I was under a deferment. Not only is Navient not looking into why I was charged {$950.00} a day on two separate loans but has also ruined my credit by reporting negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Blue Global Media, Inc.
State: CO

Complaint narrative:
Got a call saying I was approved for a loan with Eloan.com and they had my info so I thought it was legitimate. Then they had me go get XXXX on a XXXX XXXX card  to register. Then I had to get a XXXX XXXX XXXX card. 
Once they asked me to get XXXX on a XXXX XXXX card for loan insurance then I figured out I was being scammed. 
There numbers are XXXX and XXXX. 
I demanded my money back until I got on their nerves. I contacted the company ( Eloan ) they were pretending to be. Then I called the scammers back and the guy admitted to being a scam artist.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

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 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: GA

Complaint narrative:
A family member who asked me to put their bank account in my name has racked up {$610.00} in overdraft fees. They are currently not able to pay because they are XXXX. Ive tried to schedule payments to pay this, but I still cant find a way out.

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 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: NM

Complaint narrative:
In XXXX of 2017 I applied for a {$2500.00} loan and was approved with Rise. I was aware of the high interest rate of 238.90 %, but at the time I needed some financial assistance and this was my only option. The payments are due approximately every 2 weeks. Since then I have made approximately 32 payments of {$230.00}, which sadly comes out to about {$7500.00}. I called today to pay off the loan and was shocked at the amount they gave me, {$3300.00}. If I paid that amount, the total amount paid is {$10000.00}, which is more than the term of my loan agreement. It appears that all the payments I have made has only been going to interest and I have not been applied towards the principal. 

I was reading up on New Mexico 's laws in reference to loans of {$2500.00} or less and I just do not see how this company is able to make me pay more than what is in my loan agreement. I am not able to retain a lawyer to look into this, so this is the route I am having to take. I would greatly appreciate any and all help/information you could give me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: ID

Complaint narrative:
I went to the bank to stop the automatic payments. After I did this I got a new payment taken out. I have contacted XXXX XXXX multiple times to stop the payments from coming through and they will not stop. I have tried working with them and they are unwilling to. I told them if the could stop the automatic payments and they will not. I have sent a revocation for eft and they will not accept it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2019, I called Lexis Nexis to correct my ( clue ) report for car insurance. The report they mailed me from XX/XX/2019 or so, indicates a lot of duplicate to be deleted- mistakes about me-where I lived duplicated and incorrect to be deleted. Duplicated mistakes about my name to be deleted. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
On XX/XX/19 the debt collector called 3 times within an hour. After my husband answered, they would not give a company or employee name, simply that they are " Account Services. '' On XX/XX/19 the debt collector called twice in a row, lending to the belief that something was amiss. As I'm home alone, I quickly answered to a number without a name ( a.k.a " unknown caller. '' ) The person asked to speak with my husband, and after asking who they were, I was told they are " Account Services '' and they need to speak with him. After asking what it's in regards to, the man calling said " is he home or not? '' I then asked if he was a debt collector, to which he responded he could not discuss anything with me. To which I responded it is illegal to call back to back ; that it's considered harrassment. He said " ha, uh yeah thanks for your help '' and hung up on 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 2019-02-23 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: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. 
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: GA

Complaint narrative:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

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 2019-02-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Pursuant to complaint number XXXX Citibank provided copies of statements that they had stopped delivering. The statements show that the card remained enrolled in the automatic payment program wherein the minimum payment should have been made each month. Citibank, for some reason stopped this in XXXX and that is in part how the account went delinquent. The other problem is that Citibank allowed and posted unauthorized charges in the amount of {$240.00} ( see below ) and charged three late fees ( which are because they stopped the automatic payment ) of {$27.00} on XX/XX/XXXX, {$38.00} on XX/XX/XXXX and {$38.00} on XX/XX/XXXX. The unauthorized charges ( which made the account go over limit ) are : XXXX on XXXX for {$21.00} XXXX XXXX XXXX on XX/XX/XXXX for {$19.00} XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  {$45.00} XXXX on XX/XX/XXXX for {$24.00} XXXX XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$9.00} XXXX  XXXX on XX/XX/XXXX for {$28.00} XXXX  Between the unauthorized charges of {$240.00} that sent the card over limit and the {$100.00} in late charges the total disputed amount is {$340.00}.

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is DBA - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both XXXX and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to XXXX shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )

Company response to consumer: Closed with explanation