vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help
State: SD

Complaint narrative:
A third party had called to consolidate my student loans Fedloan Help, XXXX, CA XXXX Email : XXXX. 
They said my loans would be forgiven after 10 year making a payment of XXXX per month. I had them set up taking the payments out of my checking account starting XXXX. 
I receive\d a notice XXXX of XXXX stating my I needed to start making payments. I called the Fed loans discovering there has not been any payment made to my loan. I called Fedloan help and they informed me that they collect the money for a year then start making payments. I told them that I wanted to discontinue there assistance and will pay my loan back myself. They told me I would receive a refund. Soon I received this e-mail. 

Refund Hold Letter Hello, This letter is to advise you that your refund is approved ; however your refund is on hold temporarily. 
Unfortunately all outgoing refunds will have a 15 to 30 day delay due to lack of funds and donations to the organization. Upon receiving our next round of funding, any refund that we are holding will be issued immediately to the address we have on file. 
We apologize for the delay and we appreciate your understanding in this matter. Thank you again for your continued support in our organization and we look forward to resolving this temporary issue as soon as possible. 
Best Regards. 
Fedloan Help Team

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PHOENIX EQUITY PARTNERS LLC
State: FL

Complaint narrative:
This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, 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 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover is not posting payments on time. My bank shows an earlier date when payment was withdrawn from my account, and Discover shows a later date. Why is there a later date? Is Discover getting more interest than is due by posting on a later date?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter in XX/XX/2017 and XX/XX/2017 by certified mail and I also did a dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letters and the online dispute and they completed the request. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. 
XXXX acct # XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I make complaint about my credit report that was inaccurate and wrong data and it 's not 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 2017-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC
State: FL

Complaint narrative:
I was contacted by a Company named API Recovery Solutions. I was told that I had 2 days to pay the debt or I would be taken to court. I was so scared that made a payment. After researching the company online I can not find any legit reviews for them actually being a company. Everything I read says that it is a scam. I am not sure what to believe at this point. I cancelled my bank card and told the company to leave me alone and they said they would take me to court and garnish my wages. I want to get this paid but I am not paying a scam artist.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed a paid, closed student loan accouns a number of times as having incorrect data listed. Each time, TransUnion has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX/XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years.

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 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.

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 2015-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Patriot Mortgage Corporation
State: VA

Complaint narrative:
I accepted a refinance loan from XXXX XXXX and Patriot Mortgage company. The line was signed and notarize on XXXX XXXX 2015. Now I am being harassed to sign documents that are clearly designed to raise the mortgage amount by an additional XXXX dollars and add more money onto my principal. I did sign a limited power of attorney which statesThis limited Power of Attorney may not be used to increase the interest rate. the term of the loan or the monthly principal and interest. Any of these changes must be executed directly by the undersigned whch is me an I will not sign these papers under any circumstance. I took this deal because I was desperate for cash and I was told I would get a XXXX refund from my escrow account. The XXXX refund turned out to be XXXX Patriot title is trying to say because I accepted XXXX dollar refund from my escrow account I am legally obligated to sign this paper work. The refund was quoted as a XXXX refund which is why I originally accepted the deal in the XXXX place. This refinance in turning into a nightmare. I am tired of being harassed I want a formal complaint done some type of reprimand done.I would like you to review this deal especially the calls between myself and XXXX XXXX at XXXX. and if at all possible I want to get away from this company this is the most disreputable company I have ever worked with. I was originally told by XXXX I need to resign because my signature did not come through on the some of the copies that were faxed over. I knew right then he was lying, because a notatory was sent to my home to make sure each of papers were signed properly. When I looked at the paper work I could see the changed they loan payoff from XXXX to XXXX increasing the principal.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
I had purchased a vehicle from XXXX in XXXX XX/XX/XXXX. It was supposed to be a fixed apr of 9.99 %. I had the vehicle until XXXX/XXXX/XXXX, when the computer module went out. instead of fixing it and adding it to our payments, they had us trade it off with less that XXXX left. I had got home and went through or receipts and realized that every year our payments were going up. in XX/XX/XXXX, we paid XXXX $ and by XX/XX/XXXX we were paying XXXX $ a year. Our XXXX had gone up causing us more in our payments without our knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: YKS Acceptance, Inc.
State: WY

Complaint narrative:
We purchased a car at XXXX auto in XXXX, Colorado with financing thru YKS Corp. We made above our required payment each payment but we 're always told we were behind in payments and being charged late fees and penalties. When we traded our car off at another dealership they tried to tell us we still owed payments. The car had over XXXX miles on it when we bought it and yet they would n't follow thru with their warranty program for repairs either. We had nothing but problems with them.

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: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
The collection company is attempting to collect a debt that is not mine. The debt is for insurance on a home I do not own and they will not correct their error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Agency has been sending mail to my address and calling my phone none stop in regards to a debt I know nothing of. Collection agency has been calling me none stop about a {$1800.00} debt. This collections account is now on my credit report and is holding me back from being able to obtain credit. I 've reached out to this agency to get this removed from my credit report but they 've refused to do so. I did not authorize anything in regards to this debt and they have yet to provide proof of who is the owner of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: MD

Complaint narrative:
I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Company was notified I requested debt validation and still no response. Its inaccurate information that is unauthorized

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 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: CA

Complaint narrative:
Someone is calling and theatining legal action and a warrant for my arrest, and will damage my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
A court day for judgement from Nationwide Cassel L.Prepresented by XXXX XXXX, IL XXXX Is over 15 or 16 years old. They have issued a summons to appear in court to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: Pinnacle Asset Management, LLC
State: MA

Complaint narrative:
XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group
State: OH

Complaint narrative:
I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.

Company response to consumer: Untimely response