vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
This company has made repeated calls to me on my cell phone and at work. They call me from cell phones without identifying who they are just saying " hey, call me ''. they call my contacts and relatives from unknown cell numbers saying " hey, call me '' so that they will get a returned call. They have called every one of my list of contacts in one day saying they were looking for me. They call me one time and if I do n't answer they call my daughter and tell her that they are looking for me. They 've called my daughter 's boyfriend, my former mother in law and both my daughters on their cell phones saying they were looking for me. They have also done an unauthorized credit bureau check in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We booked a hotel room at XXXX thru XXXX and when we got to the hotel long story short the rooms electrical outlets did not work and the room was dirty housekeeping never came to our room until the day we checked out. There were personal item left in the room from the previous guest so its obvious that the room was no cleaned correctly. While at the XXXX we complained and were told that they could not refund our stay because we booked thru XXXX and were told to contact them for a refund. I tried contacting XXXX and got no response until I filed a complaint with BBB and was quickly contacted and I was told that they had contacted their XXXX contact person to get us a refund as its up to XXXX to refund us for our stay. So again I contacted XXXX and they were very polite and explained that we booked thru a third party and that they do n't receive the money. That XXXX is the only one that can refund our stay charges and they agreed I should receive a refund and that if I had booked thru them they could and would have given me a refund. Left with no alternative I filed a dispute with the bank and my dispute was denied. The services that we paid for were not what was advertised and I feel I have bent over backwards trying to get this issue resolved. XXXX out right lied to me regarding the situation. I feel that my banking institution should be able to help me correct the wrong that has occurred and now they have let me down as well. The charge was processed as a credit card transaction and I should have a right to dispute.

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 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
I received calls from the firm ROC and API Recovery Solutions claiming to be process servers coming to serve me papers and if I pay them they will stop the law suit. They have called my family and said I am a criminal in a case and they need to get a hold of me. They have claimed to be a " pre-legal '' firm, and then claimed to be a debt collection firm. They give me false names for employees then when I say I spoke to someone by that name they say I am a liar. They route their phone numbers through local numbers to ensure I pick up. They call me a criminal and scammer. They are harassing me, and when I tell them to stop they say 'no '. They are causing me distress and will not leave me alone. 
http : //apirecoverysolutions.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Central Service Bureau, Inc.
State: TX

Complaint narrative:
The collection company said that a locator was calling to locate me, I attempted to provide my current address. They called my place of employment not only my direct number, but also our legal head quarters and told them there was a claim against me with our litigation attorney. They refused to mail me anything or update my contact information. They refused to stop calling my place of employment. They contacted my Mother and Father. They told me that a suit is being filed and there is a pending claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: WA

Complaint narrative:
My bank sent new debit card to my old address, somepne got it activated it and later on used it for purchases at different locations but mainly XXXX store where they took out my whole balance of XXXX dollars, i found out about that when i went to make a deposit at my bank, Teller told me to call fraud which I did, fraud made an investigation and they refunded me with only XXXX dollars and they said that other transactions occurred with my physical card present, i filed a police report online. 
I was shocked to know that my bank is not responsible about these charges since my card was stolen and was activated from different phone mumber as my bank has told me.. 
I tried to call the bank fraud person assigned to my case to follow up with her since I filed police report but she is not answering or calling me back. She gave me the last XXXX digits of the phone # used to activate my debit card and refused to give me the full number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: IL

Complaint narrative:
This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: Rent Recover, LLC
State: FL

Complaint narrative:
There is a {$650.00} charge sent to collections in my name from XXXX that I do not owe. I knew nothing of this debt until it showed up on my credit report in XXXX XXXX. I contacted the company -- they apologized and said it would be removed from my credit report, however it is still reporting negativity. I would like this erroneous collections charge removed from my account ASAP. I am trying to buy a home and have been trying to have this removed for months. I have supporting documentation showing I do not, and have not ever owed this collections charge.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.

Company response to consumer: Closed
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FTA Financial LLC
State: NJ

Complaint narrative:
In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: GA

Complaint narrative:
I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.

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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson credit systems took over my credit card account. I lost job and had baby and got way behind on the card. Meanwhile Jefferson has not called me at home, they have called my new employment and family members and now they are trying to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The amount of the total amount owed had increased greatly than the amount of what I borrowed. The interest added on to the loans are outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have not been able to make my payments on several occasions. I was not made aware that there were other options other than forbearance. I continued to make monthly payments, but after the forbearance ended, my payments were not enough and they turned me in to credit agencies for not making payments ( even though I made auto payments monthly ). I was not aware of this for several months. I had excellent credit, but now my credit has gone from XXXX to XXXX because they listed me as non payment on XXXX loans for several months. I am still not in a payment plan based on income b/c I just read about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Firm of Ryan E. Calef and Associates, LLC
State: MN

Complaint narrative:
Not trying to still collect but debt was paid in full XXXX to Ryan E Calef Law Firm and 2 months later they still have not notified the court. Called Court month after paid off and they said nothing was filed. Court told me to get Warrant of Satisfaction from Calef so I sent certified letter with self-addressed stamped letter requesting Warrant of Satisfaction. Nothing was ever sent to me. Called Court right before starting this complaint and they verified nothing has been submitted to the court at this point and judgment is still listed as active. 
XXXX COUNTY SPECIAL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Reference Number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Assured Financial Partners
State: CA

Complaint narrative:
i had gone to a small car dealer on monday XX/XX/2017 and i wanted to get a car so they got my social security and my credit history and also information where i work at. So the dealer was acting for too much down payment so i declined and did not proceed to get a vehicle there. But they had stayed with all my information. On Wednesday XX/XX/2017 someone had called my job and left a message to XXXX stating that if i dont call first equity at there phone number that otherwise they were gon na come by my workplace and subpoena me if i dont call. Since i work graveyard shift i was n't able to get the message until that night my supervisor had hand me the message from XXXX .The next morning i call the number that was left to call, so i did call and the person that i was supposed to call was not there so the put me to talk to a different person and they kept threatening me that if i dont pay as soon as possible i was gon na get subpoena and get sued and likely to take money away from my paychecks from work if i dont pay them by this month. They also had told me about how they knew my credit history and everything i had owed. So then i remember how i gone to a car dealer this month on the XXXX and they had stayed with my credit history and information where i work so i think im getting scam by that same car dealer to take my money from 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 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. 
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. 
This information was auto saved on my computer for easier access. 
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. 
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. 
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. 
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I reached out to Venmo because there was an unauthorized transaction made on my account ( of {$190.00} ) to XXXX-ny. They were uncooperative even after I confirmed that I did not know the user who received the funds. Venmo stated that they could n't do anything about it, despite me not knowing the user on the other end which absolutely shocked me as I have never received such a dismissive, unprofessional response in my life. I have used Venmo for years and have never had an issue like this and it is very unfortunate that this occurred to begin with.

Company response to consumer: Closed with monetary relief