vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kadent Corporation
State: CA

Complaint narrative:
CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much

Company response to consumer: Untimely response
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: TN

Complaint narrative:
Bronstein & Weiss keeps calling me saying I am on a complaint list of several federal charges and they want to talk to me to stop papers from being filed against me. They have had a " server '' call and leave messages for me to be available between XXXX & XXXX so they can serve me papers. I have asked repeatedly for them to stop calling me at work. They continue. I have asked for information and they demand I give them my personal information for them to verify. I was robbed and my personal information was stolen so I have no idea if the debt they say they have is legitimate. Regardless, they have been asked to stop calling me at work. They have not sent any kind of paperwork to show what they are trying to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: American Lending Solutions, LLC
State: WI

Complaint narrative:
During the month XXXX 2015, I spoke with XXXX XXXX regarding a pre qualification mortgage loan ; before the interview via telephone I asked XXXX XXXX would this application appear in my credit file as a hard inquiry, XXXX XXXX assured me that the pre qualification by law must be labeled as a soft inquiry. In XXXX of 2015, I learned that XXXX XXXX had in fact completed my application as a hard inquiry ; which is not what I requested for him to do! I called into ALS to request that the company remove this inaccurate inquiry due to federal regulations regarding pre qualification mortgage applications, the company executive director XXXX XXXX stated that they would not remove this inquiry despite the fact the they were in federal violation of the mortgage pre qualification statue! I then proceeded to question why my pre qualicifation application had been denied due to a poor score ; according to the XXXX XXXX. XXXX XXXX. XXXX consumers are not to determined creditworthiness based off a poor XXXX score, especially if the actions of negative trade line credit reporting was due to financial difficulties or id theft occurrences. XXXX XXXX stated that her company does not have to comply with this federal statue. This company has currently been under several investigations due to mortgage discrimination, the original loan lender who completed my pre qualification application has been fired due to unethical lending practices.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered XXXX XXXX under account numbers XXXX re-aged and re-inserted into my credit file. The accounts were originally DELETED on XX/XX/XXXX and XX/XX/2017. Transunion was required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Rossman & COhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Rossman & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Hospital to release my child 's medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than, is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have call XXXX three time to correct the information about Belk. I have XXXX account XXXX of those account that they have is over 7 years since it was report and it the account should have been take out. I could not get the foreign representatives to understand that. The information is on there two long.

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 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Filed chapter XXXX bankruptcy here in Mn last year i was told by the courts that they do not report to the credit bureaus Trans union has it reported as public record it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

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 2017-03-20 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: Thrive National Corporation
State: FL

Complaint narrative:
I was promised that this account would b eremove from my credit if i pay it. i did and they did not remove it

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the report.

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: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a formal complaint that Experian is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Experian has damaged my name, and my credit. Experian has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible. 


Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized credit inquiry still not removed after the creditor and my self have requested the inquiry be removed. Have even sent them proof.

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 resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: ME

Complaint narrative:
Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Payments to my XXXX account were delayed in being posted causing my account to be delinquent. My bureau now shows a 3x XXXX ratings and a XXXX score of XXXX when my historical payment history and credit rating has always been XXXX with no delinquencies. Now causing an issue with my ability to obtain mortgage financing

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Charges for my purchases were shown pending on my chase checking account and my balance was reflecting these charges being taken out. A week later, my account was overdrawn. But the night before, my account was at a positive. Those pending charges from a week ago were the reason for the overdraft and resulted in 4 overdraft fees. Chase stated this was due to the pending transactions that expired so it was removed from my account and they posted to my account was merchant charged the transaction. I explained to chase that it is not fair to be charged overdrafts when we were not given the opportunity to correct the negative balance. I was unaware these charges disappeared from my account. If I knew my account would be at a negative balance, I would quickly deposit money to my bank account to avoid any overdraft fees. Instead, you are not give an opportunity to fix the negative balance. You are just surprised to see charges posted along with overdraft fees. Understand chase has no control when merchants posts transactions but neither do we, the customers. Chase said I should keep better track of my transactions but I 'm relying on my bank to do that for me. If I have numerous transactions, how can I know when some of those charges disappear? Chase should be helping customers keep track of their finances, not swindle us to make money. They should allow a grace period for now posted charges for expired pending transactions to give us time to fix negative balances if they should arise. How can we keep track of our account if we see a positive balance the night before and get hit with overdrafts the very next day. This is unfair and should be illegal. It sounds like a scam that banks should not be allowed to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ROCKY POINT CAPITAL LLC
State: VA

Complaint narrative:
This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-25 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC
State: NH

Complaint narrative:
Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.

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 — Don't agree with fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My student loan company has been Nelnet since 2006. 
According to my loan details, I have XXXX separate loans. XXXX for the amount of {$4400.00} and XXXX for {$9000.00}. Each loan appear to be charged 6 % interest rate separately. Therefore I 'm being charged 6 % on each amount instead of on the total which is {$13000.00} ( outstanding balance ). 
Therefore, I 'm being charged $ 6 % on XXXX different loans instead of XXXX ... which means I 'm being charged 12 % on a loan I took out 20 years ago for XXXX school and been paying for 10 years with Nelnet. Due this this, I still own {$4400.00} on an initial loan of {$5800.00} ( which means, that in 11 years with Nelnet, I only paid ... {$1300.00} ) and I still own {$9000.00} on an initial loan of {$11000.00} ( which means, that in 11 years with Nelnet, I only paid ... {$2700.00} )?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Nelnet, Inc.
State: WV

Complaint narrative:
I have student loans that I have to repay. I was only notified by email which I do not check because I have no need to. I was n't aware of my loans going into default and being reported to the credit bureaus. I only received email, no letter in the mail or phone call. My credit score has dropped almost XXXX points due to this, which is restricting me from trading my vehicle to get a lower payment.

Company response to consumer: Closed with explanation