vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: NATIONAL NETWORK NEGOTIATOR'S INC.
State: MN

Complaint narrative:
I received an email from  National Network Negotiators re questing an information release form so that they could update my information. That information would update, my information, so that they could collect the {$300.00} left on my {$750.00} bill for filing my paperwork. When I contacted my provider,  XXXX , they informed me that there are no fees for filing the paperwork. They did not have the names or numbers that I was given . National Network Negotiators e mailed me the names  XXXX   XXXX ,  XXXX  main,  XXXX  direct,  XXXX  Fax,  XXXX  XXXX  XXXX , also  XXXX   XXXX . In the information release form it had information on it that was not mine. I was suppose to sign it and send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: LoanHero, Inc
State: NC

Complaint narrative:
I opt in to receive assistance from  XXXX   XXXX    XXXX   and after filling out the necessary documentation I 've been trying to get in contact with them to cancel the process once I found out that I could 've done everything for free of charge. I 've left messages and called numerous of times but no call or response and they have an automatic system that 's set up to lie about their hours. It has n't  been thirty days and I 'm not  due for a payment yet all I want to do is cancel my whole consolidation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CHARTER CAPITAL CORPORATION
State: CA

Complaint narrative:
Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: AGORA NOTUS, LLC
State: GA

Complaint narrative:
every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up

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 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: WA

Complaint narrative:
Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PROPEL FINANCIAL SERVICES LLC
State: TX

Complaint narrative:
I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANCO POPULAR DE PUERTO RICO
State: MI

Complaint narrative:
XXXX  life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on  XXXX  to wrong company, a company i never provided.   -When i called to confront  XXXX   , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning.   - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am.    Fraud investigator  was caught off guard and refused to answer when i asked him why he was lying.   -Due to the restrictions, which were not placed until i disputed a   XXXX   balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account.    -I am  unable to verify charges- - I strongly urge someone to listen to the call on  X/XX/2017    with  XXXX  and a fraud investigator - I have talked to  3 f raud investigators from  X/XX  through  X/XX/2017    all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus.   -  XXXX  representative has also contacted family members at phone numbers i never provided to them or gave them permission.  XXXX  has shared private information with others violating our agreement and Federal law.   - I am also requesting the complete unredacted file  XXXX  has compiled on me, as this is my right and they MUST comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: URS Holding, LLC
State: OH

Complaint narrative:
I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all

Company response to consumer: Closed with explanation
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 was paid
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.

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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. thank you

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 card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had a credit line with  XXXX   XXXX  that unfortunately slipped into collections in  XXXX . In late  XXXX , I was contacted by their collection agent,  XXXX   XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late  XXXX . Now,  XXXX   XXXX  refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but  XXXX   XXXX  continues to tell the credit bureaus that I still owe them {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: POINT ESCROW, LLC
State: WA

Complaint narrative:
I used an escrow company to close for a house purchase on   XXXX  -2016 in  XXXX , WA. I signed my paperwork in their office. I did not receive copies of what I signed. They overcharged me fees, and after closing, mailed my {$160.00} refund check to the incorrect address. They mailed it to my previous address, not the address of my new home I closed on that day. I never received the refund check or my paperwork. Now they are demanding to deduct {$45.00} from my refund for a stop payment fee for the check they mailed to the incorrect address. They said they do not have control over the United States Postal Service. I would like help in getting my full refund, and copies of my final settlement statement, and paperwork. In past real estate transactions, I received funds/refunds the day of closing at closing. They did not have a problem calling me when they needed something, however, they did not call me when I had a refund coming I could have easily picked up considering their office is less t han 2 mi les from my home. Something else is how Point Escrow 'price matched ' on their fees was deceiving. Their fee was {$1800.00}. I found a company whose fee was {$1500.00}. I appreciated the price matching, however, they only lowered my half of the fee by {$150.00}, instead of lowering it by {$300.00}. They said if the seller sent the price match in, they would lower it for his half. I thought since I found the price match, that my fee would be lowered by the full {$300.00}. It ends up I had to tell the seller about the price match, and provide the info to him to send in for the price match too. I had to ask him if he would reimburse me for the savings I found, or use it towards a professional cleaner for the house. Awkward, and of course, neither happened. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This company popped up on my credit report as a collection for a hospital and reporting under another company named XXXX which makes this company reporting on the same debt twice on my credit report. I want the debt to be validated because I never received of letter to validate that the debt is truly mines.

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 2017-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Applied for a Bank of America home equity loan ( {$300000.00} less than 50 % CLTV ). Rejected because " Bank of America Credit Obligations Not Paid As Agreed ''. I looked at my credit report and there was a {$280.00} credit card charge off from OVER TEN YEARS AGO. I immediately paid this BoA credit card from my BoA checking account. Bank of America apparently cross sells you on buying several of their products, but when you have to ask the home equity department, to verify with the BoA credit card department that a balance is zero, having being paid from a BoA checking account and THEY WILL ONLY ACCEPT information provided by the credit bureau ( in this case XXXX, who is another nightmare ) - and do you know who provides that information to the credit bureau - Bank of America.

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 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have requested for substantiation of this debt and instead of verification documents I received more bills. I contacted my hospital clinic where they confirmed, I have no outstanding bills. Progressive Management Systems has not provided any proof of the debt and instead continues to report me as delinquent, which is impacting the ability for me to get a mortgage loan. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: REPORTS, INC.
State: TN

Complaint narrative:
I was called at work and this person was very rude as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LAW OFFICES OF ROBERT S. PERRY, P.C.
State: VA

Complaint narrative:
A garnishment attached to my payroll check in XX/XX/XXXX and paid in full in XX/XX/XXXX based on the payroll record. The attorney ( XXXX XXXX XXXX ) reinstated the garnishment XX/XX/XXXX stating he never received all of the payments. He stated that payments were only made to him up until XX/XX/XXXX. My employer ( XXXX ) has not provided requested information showing me who the payments were made to and when. The attorney refuses to go to the courthouse to check to see if the payments are there and have not been applied. He stated he checked the electronic records and they were not there and the only way to know if there were received and not applied ( which he said the court does ) was to go to the courthouse. I asked him how soon he would be going to the courthouse and his reply was " not for 3 or 4 months ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

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 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Razor Capital, LLC
State: MI

Complaint narrative:
Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Affiliated Group, Inc
State: GA

Complaint narrative:
This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.

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 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Pending Company Match
State: PA

Complaint narrative:
I was charged {$14000.00} for a {$3000.00} vehicle with a payment of {$410.00} per month. Also, I under paid a payment by {$19.00} and have been constantly harassed and threatened by XXXX XXXX  and peoples commerce.

Company response to consumer: Closed with explanation