vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 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: Stellar Recovery, Inc.
State: GA

Complaint narrative:
STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: NJ

Complaint narrative:
A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Social Finance, Inc.
State: DC

Complaint narrative:
I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. 
When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 
I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. 
In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CFM Group LLC
State: NY

Complaint narrative:
I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 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 Credit Services, LLC
State: IN

Complaint narrative:
Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against these companies. As I ca n't prove fraud, I ca n't pursue legal action against the party that caused the debt problem either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: Pinnacle Credit Services, LLC
State: NJ

Complaint narrative:
The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old 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 2015-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TX

Complaint narrative:
THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. 
THE COMPLAINT IS AGAINST COMERICA BANK. 
THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. 
MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. 
THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. 
THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. 
COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. 
CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
Security Finance in XXXX NM. keeps calling everyday after we go and tell them we will be on a certain day and come out to the house to collect. We try to pay as much as we can and explain to them that when the money is there, we will pay the weekly/ monthly rate when we can. Do to the lack of money coming in from not having a job and recently starting a job, we do the best we can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have contacted Naviant for over 5 years requesting a loan payment that I could afford. I have NEVER made over {$47000.00} a year. The representatives never told me of the Public Servant Loan Forgiveness Program. They have ONLY offered to put my combined loans ( combined with my now ex-wife ) into forebearance or deferment. That is NEVER what I wanted, because it does not help with paying the loan off, and the interest accures. I have asked approximately18 times to speak with a supervisor or to speak to someone that spoke English as a first language. Those requests have always been turned down. I have also asked, repeatedly, that the loans in my name could be seprated from my ex-wife. Her loans are only a fraction of mine, but they say it is not allowed, even though we have been divorced over 6 years AND the divorce decree stipulated that to be done. 
We have mailed them tax returns, pay stubs and filled out the same forms many times and they say they never receive them. The interest on the combined loans has now passed 92 % of the amount owed. I have been mislead and steered to deferrment and forebearnace when other, more suitable options were allowed, though NEVER offered. I feel I was intentionally and systematically cheated and I now have no way to afford paying off loans that now total close to {$90000.00}. I only atteneded state run iniversities and this was simply to receive a 4 year degree. 
I am requesting for some sort of action to be taken against Naviant in my name. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I missed 3 monthly payments on my bank of america credit card. Just negligence on my part, i was switching checking accounts, and just did n't update my payment information, etc. 
Anyway, bank of america canceled my credit card account because of it, without notifying me, and in the process deleted XXXX rewards points ( cash value of USD {$1500.00} ) I had spent XXXX dollars a year on this credit card every year since 2005. 
I had an outstanding balance of XXXX dollars when this happened, and I paid it off down to XXXX after they closed my account.

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