vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
Eagle recovery has called me multiple times on my cell phone and at work saying I owe over XXXX on a bill I 've paid. They have threatened to serve me with papers at my place of employment if I do not pay over the phone. I checked and I do not owe this debt. It has been paid. I told eagle recovery to not call me at work or on my cell again because I do not owe anything. They continue to call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION
State: NY

Complaint narrative:
They are charging me astronomical late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
MIDWST RCVRY XX/XX/XXXX Address : XXXX, MO XXXX Toll-Free : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify MIDWST RCVRY or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWST RCVRY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have had my student loan serviced by XXXX and then to Navient and I have not had the balance go down/decrease in over 9 years of repaying. I believe the accounting of the loan is being mishandled specifically by Navient and/or XXXX. I have spoken to representatives of Navient numerous times and they have not explained to me how this is possible. A representative told me he would provide the accounting calculations to me in writing and I have not received those documents. I have been paying consistently close to $ XXXX/mo for 8-9 years which should calculate to be about {$80000.00} however my balance still remains the same. In fact every month after making the payment of {$900.00} my balance goes up every month. I am in a " payment plan '' that is impossible to pay off therefore the agreement between Navient and I is unconscionable and fraudulent. I believe the CFPB should investigate my case fully to uncover the underhanded practices of Navient as I have been paying my student loans diligently for almost ten years and not getting any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: DC

Complaint narrative:
My student loan provider, Fedloan Servicing, notified me via email on XX/XX/XXXX2017 that I had a message waiting for me in my inbox. I logged on to see a message regarding my student loan plan ( REPAYE ) had changed effective immediately. My new rate of {$1800.00} a month, from a previous monthly rate of {$280.00} would be directly deposited from account the following month. 

There was never any correspondence or notification from the provider that I would need to re-submit required materials to remain on the REPAYE plan. I am now at a loss as I do not know how I will ever be able to afford such a steep increase in a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Recovery Management
State: FL

Complaint narrative:
Fox Collection Center reported a collection to my credit report without any prior dunning letter. I sent the company a debt validation by certified mail on XX/XX/2017 and it was received in their office on XX/XX/2017. It is now over 30 days and I still have not received any documents or communication from them referencing that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Looking at an online report number XXXX dated XXXX/XXXX/17 on the Experian website, they are reporting a duplicate collection account with XXXX different collection agencies. Experian is the only credit reporting agency reporting this in this manner. The account is already being reported under XXXX XXXX, however, Experian is reporting it also under XXXX with the same duplicate information.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked via certified letter to validate accounts with XXXX, XXXX and XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The complain is filed to TransUnion that it did not conduct dispute investigation as a credit agency is expected to do - verify claim evidence for its legitimacy. 
A creditor made a fraud claim of debt to my account in TransUnion by providing a set of fraud delivery evidences, showing the delivery address not my address, the recipient signature neither my signature nor in my name. At my request, the creditor had provided me the same set of delivery evidences so I know exactly the story. When I saw this claim on my TransUnion credit report, I filed first dispute with TransUnion in XX/XX/XXXX, and was notified " no change after investigation ''. I have a credit repair agent filed 2nd dispute in XX/XX/XXXX, the same result came back " no change after investigation ''. I doubt what is the procedure for TransUnion to conduct dispute investigation, but in my case obviously it has not even verified the basic evidence including delivery address matching and signature matching, but simply ignoring the dispute and kept " no change after investigation ''. 
I would urge TransUnion to conduct a diligent investigation and verify the legitimacy of claim documents ASAP. Thank you very much for 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 explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureau has improperly verified items I disputed that remains on my credit report. A notice was sent las year from XXXX to delete an account. However, Tramsunion did not follow that and has kept this negative account on my report. Which stopped me from getting the neccessary credit and help I was entitled to. Also, I have XXXX other accounts that XXXX properly verified and has deleted. The same accounts Transunion stated was verified. Which is incorrect. I have attached a letter from XXXX and XXXX regards the accounts I disputed that was deleted by them and I would like Transunion to delete them as well for this is hurting my credit worthiness. I also have some credit inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Credit Bureau is not updating my information in a timely manner I.E ... ..monthly This is a violation of the Fair Credit Reporting Act My current open accounts XXXX and XXXX are current through XX/XX/XXXX however the last activity Transunion is reporting on the accounts are from 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 2017-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Allen Tate Mortgage Services
State: NC

Complaint narrative:
Earlier this year, I was pre-approved for a USDA home loan through Allen Tate Mortgage. After providing verification of income, college transcripts, identification records, tax forms, etc. I went under contract on a home and began the process of paying for due diligence and home appraisal. I was then informed about two weeks before my closing date that my loan had been declined ( after paying out close to {$900.00} ). My income, credit score, and other factors all met guidelines for this loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I previous had a account with Wells Fargo, I notice that they were charging fees on my account and my checking account balance was an amount one minute and another minute it was a different amount when I would log online to check my balances. I never used my checking account during this period. I was then instructed that I owed {$1500.00} in fees on my account which I am disputing and they sent my account to collections without any type of explanation of the fees. I am looking to have these fees waived and my account removed from the XXXX as they placed my loan in 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 non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). 
I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. 
Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! 
This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.

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 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PASCO, Inc
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never conducted business with the company nor have they provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc
State: CA

Complaint narrative:
Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response