vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
<P/>
Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/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 2017-06-06 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: MI

Complaint narrative:
Credit bureau reporting inaccurate and unauthorized accounts and inquiries on my consumer credit 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 explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received a collection letter fro m Credit Control Services aka C redit Collection Services dated  XXXX   XXXX ,  2017  stating that I owed {$58.00} and offered me to settle it for {$46.00}, which I did on  XXXX   XXXX ,  2017 . Firstly, this company did not notify me of anything else before or after t his. Credit Control i s in violation of the FCRA requirement that a consumer notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. Secondly, the account was added after a payment had been made and finally have failed to verify the debt. Supported, by my call : On  XXXX   XXXX ,  2017 ,   XXXX   XXXX   XXXX    sent me a message that this company added this debt. I called Credit Control Company, a nd spoke to  XXXX  a collection agency representative who could not find the account or any information pertaining to the debt. I informed her that my call is recorded and have the conversation should it be needed. I verified if I was speaking tp the correct organization which she confirmed as accurate but had no such account. The company is in violation of my consumer rights to notify me of this debt and that it would be reporting to a credit agency and moreover failed to validate the debt even though I had already paid it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Begining in XXXX 2017, Equifax received payment of {$5.00} to provide me a replacement pin so I can lift my credit freeze and provide evidence of identity. They have failed to provide me a pin and this is causing me to not be able to purchase a home. <P/>
I have written them 3 times and my attorney wrote them on XXXX XXXX2017  and to date they have failed to provide me a replacement pin even though they have accepted my payment and failed to return the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your help.

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 2017-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have contacted not only the debt collection agency, but the original creditor. I paid two payday loans directly to XXXX XXXX, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof. XXXX at Ad Astra informed me they do not see two accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on X/XX/2017. In addition I have asked them to only contact me via usps mail and they do not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: MI

Complaint narrative:
Credit bureau report inaccurate and unauthorized accounts and inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Hello, I hope this letter finds you doing well. XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX, and TransUnion. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX is reporting to credit reporting agencies such as XXXX XXXX  and TransUnion, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXXI was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the  end of XX/XX/XXXX. <P/>Thus, XXXX is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/>However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called XXXX to dispute these late payments, and I have supplied XXXX in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : XXXX XXXX XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should 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 non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Hello, I hope this letter finds you doing well.
XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as Equifax, XXXX, and XXXX. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,  XXXX is reporting to credit reporting agencies such as Equifax, XXXX, and XXXX, that I was late on each of my six  student loans in question.
<P/>
InXX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the end of XX/XX/XXXX <P/> Thus, XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/> However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments.
<P/>
I have called XXXX to dispute these late payments, and I have supplied XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information.
<P/>
Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Hello, I hope this letter finds you doing well.      XXXX  is incorrectly reporting  XXXX  late payments across  XXXX  student loans to the credit reporting agencies, such as  XXXX  Experian, and  XXXX . During the months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  2014 ,  XXXX  is reporting to credit reporting agencies such as  XXXX , Experian, and  XXXX , that I was late on each of my  XXXX  student loans in question.  <P/> In  2014    I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document,  XXXX  granted me a retroactive forbearance in  2014  that lasted from  XXXX   2014  to the end of  XXXX   2014 .  <P/> Thus,  XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in  2014 , and  XXXX  has internally adjusted their records to demonstrate that I was, indeed, in forbearance from  XXXX   2014    to the end of  XXXX   2014 .  <P/> However, despite my numerous efforts to get  XXXX  to update the credit reporting agencies to remove these late payments because I was in forbearance,  XXXX  continues to refuse to updated the credit reporting agencies if these inaccurate late payments.  <P/> I have called  XXXX  to dispute these late payments, and I have supplied  XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied  XXXX  with the FTC  Advisory Opinion  that asserts that student loan accounts need to accurately reflect current information.  <P/> Here is a copy of that  Advisory Opinion  :    XXXX   XXXX   XXXX   XXXX    XXXX  continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should 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 2017-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have contacted not only the debt collection agency, but the original creditor. I paid  XXXX  payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof.  XXXX  at  XXXX   XXXX  informed me they do not see  XXXX  accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on  XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.

Company response to consumer: Closed with explanation