vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. 

I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. 

This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I am writing in regards to a debt collection that is not valid nor mine. 
As a single mother and sole provider for my household, I have worked diligently since XXXX to pay off all debts owed and clean up my credit in order to purchase a home for myself and my daughter. 
I started in XX/XX/XXXX by contacting all my debtors based on my credit report and outstanding debts owed. 
By XXXX I was able to pay off all debts with the exception of my school loan and car payment. I continued on my journey of cleaning up my credit by no longer acquiring credit cards and living by " cash only ''. 
In XX/XX/XXXXI received acknowledgement that I had finally paid off my school loan in full. This was the best day of my life considering how long I had been paying on this school loan and was now only left with my current car payment as my only open credit account. 
In XX/XX/XXXXI started the process of purchasing my own home. I would not have been able to accomplish this with any outstanding debt, collections or judgments against me. In XX/XX/XXXXI was able to purchase my first home and felt fantastic about all of my hard work since XXXX to make this dream come true. 
In the background as all of this was going on, Winn Law Group sent me notice after notice after notice threatening me with debt that was not mine nor owed. I repeatedly told them via phone calls, refusal of mail, and written communication that I did not owe this money and that they were harassing me. They have been relentless in their pursuit and it has escalated now to them trying to garnish my wages. I have provided them with copies of my credit report showing that there is NO DEBT that is outstanding nor owed to any parties. 
The Winn Law group has been aggressive, rude, non-compliant and basically just harassing. They have phished my social security number and will not leave me alone. 
They are now trying to steal over {$6800.00} from me via wage garnishment without cause. I am the sole provider for my household and every penny I earn is budgeted and accounted for. In addition I monitor my credit daily to weekly and any time there is a change I am monitoring it. 
Please help, Winn Law Group needs to be stopped. 
I have included copies of my Credit Reports ( XXXX & XX/XX/XXXX), where I started to where I stand, my payoff letter to my school loan and documents showing Winn Law Group garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them is 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 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This relates to XXXX with Barclay 's Bank. The charge in question in in litigation. Therefore still in dispute. Yet the bank that did little to dispute the charge is fraudulently reporting this to credit people as past due. The merchant ordered the wrong equipment and is not man enough to admit their mistake. XXXX ordering materials was new in his job and likely did not know there were two different model GPS units available for the vehicle. I do not pay for wrong materials. Stonewalling this complaint with the same bank blind eye does not make it right. 

XXXX 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 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. 

Please advise Rise to remove this hard check from my credit report and remove this pending application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
We moved in XXXX 2017 to a new home. XXXX sent a debt for a cable bill that was for my daughter to a debt collector. My daughter, s service was not at my home. My daughter is XXXX. The collection agency must have obtained my address from XXXX. I tried talking to XXXX. but they said they could not help. Tried the collection agency but never could speak to a real person.

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 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I WAS NEVER PROPERLY SERVED WITH A summons, XXXX XXXX & XXXX XXXX XXXX enter a affidavit for garnishment on XXXX/XXXX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM MRS.RHODES THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XXXXTHEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. 

Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX  which is their rival company. 

I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. SENT CERTIFIED LETTER TO CREDITOR RECEIVED XXXX/XXXX/XXXX ASKING FOR INVESTIGATION INTO THE ACCOUNT THATS REPORTING INACCURATELY. THE DATE OF LAST PAYMENT IS INCORRECT AND THE TERMS DURATION OF 73 MONTHS IS WRONG. NEVER HAVE I SIGNED A CONTRACT NOR HAVE THEY PROVIDED ME WITH WHAT I HAVE ASKED FOR. THEY ARE BLANTLY VIOLATIONG FDCPA RULES AND REGULATIONS. I ASKED THEM TO PROVIDE PROOF OF THE ORGINAL CONTRACT BEARING MY SIGNATURE WHEN THE CAR WAS PAID OFF DUE TO A TORNANDO AND INSURANCE AND GAP COVERED THE BALANCE. THE CAR WAS PAID OFF IN FULL BUT SANTANDER HAS CONTINUED TO REPORT WITHOUT VERIFYING AND SUPPLYING ME WITH THE INFORMATION I HAVE ASKED FOR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Total Finance AC LLC
State: IL

Complaint narrative:
I went into the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, to purchase a used automobile. When and while negotiating for the vehicle we came to an agreement. To my surprise the car outlet charged me a " Voluntary Debt Cancellation ( VDC ) '' coverage in the amount of {$2200.00}. This particular fee and coverage was not explained to me nor was I advised of it when I was executing the documents. I had expressed to the dealership that I would obtain full coverage insurance on the vehicle and that my insurance carrier would cover any potential loss that may occur. This particular VDC fee had a {$1000.00} deductible if a loss were to occur. 

On XX/XX/XXXXI went to the XXXX XXXX to return the vehicle or enter into some better financial arrangement as I was experiencing some hardship with the moving of my business to a new location. The dealership refused to renegotiate lighter terms or extend the term of the loan thereby lowering the payment. I finally left the car in the custody of the dealership at their XXXX location. I left for my home to think about my options returning the following day to see that the car had been placed in their back lot with all the windows and trunk wide open allowing the rain to completely soak the interior of my car. The XXXX XXXX was under the impression that I had turned the car in and decided to walk away from the obligation. I discovered that the XXXX XXXX had purposely left the windows and trunk open in order to file a claim with the very insurance company coverage they had secretly sold to me. The interior of the car was full of water, mold and terrible odor. I had expressed to the XXXX XXXX what I had witnessed and they completely denied it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I saw the following on my XXXX XXXX account, however, I did not authorize any hard credit inquires for the following : XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX from Equifax XXXX, XXXX XXXX NH, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: AES/PHEAA
State: MI

Complaint narrative:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX to a new home and fedloan servicing apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/16 which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My Navient accounts were put in forbearance from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX with no alternative payment options given. I paid interest only during this time. 

These student loans were issued in XXXX and XXXX. The total amount I borrowed was {$24000.00}. I consolidated {$22000.00} in XXXX XXXX which was also my balance in XXXX after 9 years of forbearance. I did not reapply for forbearance each year as the law states should happen. 

I have been paying on these since XXXX and I still owe $ 13,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i am a victim of identity theft. My XXXX/XXXX credit card that was opened on XX/XX/XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX XXXXo a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

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 2017-10-09 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:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance startingXX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

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 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.

Company response to consumer: Closed with explanation