vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I keep receiving call s from Pioneer Credit Agency  for a debt owed by a  XXXX   XXXX . I have instructed them to remove my cell phone number on numerous occasions and they continue to robo call me. The last representative I spoke to is  XXXX   XXXX  who stated that unless I give her my personal information the calls would not stop. I gave her the reference number that was left on my cell voice mail but that did not satiate her desire for more personal indentifying information from me -- which I of course refused to provide.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit report shows that I owe CBNA ( it looks like this is my Best Buy credit card ) when I paid the FULL balance a few months ago. It shows I owe  XXXX  when the account balance is {$0.00} so I 'm just confused why this is showing up incorrectly.

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 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TSI i s reporting account number  XXXX  on my credit report after it was paid. I was told it would not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following items need to be deleted :  XXXX   XXXX  : Account Number  XXXX  - This is a duplicate account, please delete from my credit report.      XXXX   XXXX   XXXX   XXXX  :  XXXX  - This account should have a  XXXX  balance. It was refinanced with  XXXX   XXXX . The current balance is {$14000.00} which is incorrect.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi With due respect my name is  XXXX   XXXX  running a small business of   XXXX   XXXX   XXXX   in   XXXX   XXXX   ca. I would like to file a case against dispute claim I had delivered  XXXX  cars of worth {$19000.00} on this date  XX/XX/  2016 to  the customers after bank approval from their debit card but now after around six and half months without informing my  BOFA MERCH SV CS deducted money from my business account bank of america on inquiring they told me there was a dispute claim so we gave money to them I cleared and showed and send them the original contract copies of cars sold out but the bank is not responding they are saying we ca n't help you and file a case against customer or sue them or have a lawyer.     Kindly I request you to help me as I do n't know the other way around I started this very small business and all I have was that which is gone and I am in serious need of help attached with all the necessary documents sales contract etc.     I am looking forward for some immediate help and response.

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
Repeated phone calls ( by very polite operators ) regarding some type of traffic violation in  XXXX   (?  ) IL by someone driving a  XXXX . I do not ( have not, will not ) own a  XXXX , have no idea where  XXXX   (?  ) IL is, and probably have never been there. My attempts to get these calls to stop have been unsuccessful because all they want is $ $ $ $ $ $ $ $ with no documentation of the debt, and no research of who they are calling. Annoying, and offensive to be called at my work phone number about something that has nothing to do with me at all. The pleasant phone staff does not make up for the constant harassing phone calls.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I opened a loan with Santander in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Red Bishop LLC
State: NY

Complaint narrative:
I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

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 2017-05-24 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: GREAT LAKES
State: MO

Complaint narrative:
Like many Americans, my wife and I have been paying student loan debt for the last 17 years.     During the consolidation process in the  XXXX  's our loans got locked in with 7.8 % interest rate, even though some of the loans had lower interest rates we figured it would be easier to manage the loans.   After the consolidation process-I was paying between $ 500-600 dollars a month on my student loan but because of the 7.8 % interest rate and several forbearance periods on the loans, the initial principal balance kept growing out of control. Besides the interest growing out of control it was also hard to keep track of who was servicing the loans. The loan servicers kept changing for both my wife and I, from  XXXX   XXXX  to  XXXX   XXXX  to  XXXX  to Great Lakes, etc. we were not able to keep track of the payments we had made and the manner the loan servicer was applying for our payments. Each time the loan was sold or taken over by another servicer, they only showed the amounts from the time they received the loans and did not easily include past loan info from the other servic er ( s ). At one point a l ump sum payment in the amount of {$5000.00}, to my wives loan was completely applied just to interest and we saw no real drop in the amount owed.     My wife and I suffered a tremendous loss during the financial crises of   XXXX  . Our savings and business were practically demolished. It was at this point, I reached out to my loan servicer and asked if I could negotiate a lower interest rate for the student loans, but I was denied. I was told that since we had consolidated a few years earlier, we could not reconsolidate and there were no other plans or income repayment opportunities. My only recourse was forbearance or deferment. I realize there are a number of income repayment plans now available and that works for new student loan borrowers, but it does n't do any good for older student loan borrowers that got trapped during the financial crises. Most our loans are loaded with interest and without the ability to renegotiate.   Why is it that most banks got close to 0 % interest loans to pay down their debt during the financial crises of  XXXX - XXXX , and y et US Citizens with  student loan debt were not able to get refinancing and debt relief for whatever reason and were only provided with options that increased our debt load, and is keeping us tethered to unreasonable interest rates, unreasonable length of time for paying said debt and directly affecting our ability to purchase a home or property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I submitted my completed paperwork for a loan modification this month and they refuse to postpone my foreclosure scheduled for  XXXX   XXXX ,  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX    XXXX   XXXX   : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the closed  XXXX   XXXX   XXXX  which they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX    XXXX  and had complications ; so I was out of work for at least  two ( 2 )  months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ;  XXXX  is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also.  XXXX  is who the  XXXX   XXXX  was affiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with   XXXX   will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX owns a lot in XXXX on XXXX XXXX and attempted to sell his lot using our office XXXX XXXX XXXX. We opened title at XXXX XXXX in XXXX and the title commitment came back yesterday showing a Lien on the vacant land from XXXX XXXX XXXX which has been bought out by Capital One Bank or Capital One National Bank ( unknown at this time ). We have tried to contact Capital One Bank however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed. My client paid cash for his lot in XX/XX/XXXX and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in XX/XX/XXXX. XXXX XXXX is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the Capital One bank sign a release of lien so my client can close on his vacant lot. XXXX XXXX XXXX Complainant 1 XXXX XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I rented a vehicle from   XXXX   XXXX   XXXX   in  XXXX  with my  American Express Card.  Claim #  XXXX    XXXX   XXXX   dates   XX/XX/2017 - XX/XX/2017   Vehicle VIN  XXXX   XXXX   XXXX   XXXX  On   XX/XX/2017   had minor accident that left paint scratch on bumper.     XXXX   XXXX   is over charging my credit card a random amount of money that includes fees for dimished value {$2500.00} and loss of use {$520.00} that it is refusing to justify or explain.   Filed insurance claim with  American Express  and placed dispute.     XXXX   XXXX   does not cooperate with AMEX rental insurance and does not provide necessary documents to justify charges and tells me that it 's not their problem how I get the money back from the credit card ; especially charges of {$520.00} " loss of use '' {$2500.00} " dimished value ' ' American Express i s going to resolve the dispute in  XXXX   XXXX  's favor, despite not  XXXX  not having submitted the necessary documents and leave me on the hook to pay for all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.

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