vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. 
If they can provide an agreement that I have physically signed my name on then I will believe it is valid. 
Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. 
Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. 
I want this to stop unless these people has a legit agreement with my signature. 
if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXXI found a inquire on my Transs Union dated XX/XX/XXXX. I trued to call and no number listed .WEnt to their website and pushed contact, Just takes me to top of the page. NO way to contact. XXXX XXXX XXXX XXXX XXXX, PaXX/XX/XXXX. Never heard of them at hall. please have 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 2017-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Equitable Acceptance Corp
State: AL

Complaint narrative:
XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.

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 2017-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!

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 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MCM XXXX XXXX trying to collect wrong amount from me and my family. 
I owe the credit card company in XXXX was about about {$760.00} dollars. The original credit card bank keep add wrongfull charg, interst and an neccery fee for years which was wrong. That 's why I did stop payment. 
In XXXX midland file a circuit court in XXXX XXXX MD and judgment which I did not know.

Now they are claimed more than {$8000.00} dollars and they forze my family bank account and already took some money after seven years. 
I am XXXX XXXX and I have XXXX daughter and my wife is XXXX. In this busy time my bank froze and took my family money. 
MIDLAND should stop this an acceptable behavior and save my family from this danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc.
State: IL

Complaint narrative:
Calling me at work XXXX XXXX XXXX I do n't know who they are XXXX XXXX XXXX XXXX XXXX XXXX kept calling my work. I 'm not allowed to get personal call at work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.

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 monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I ordered cable service thru XXXX XXXX XXXX (XXXX) and canceled the service in less than 5 business days. At the time the XXXX service was ordered, XXXX advertise no charges if service canceled within 30 days. I spoke with a XXXX representative back in XX/XX/XXXX who assured me that my balance was XXXX, thereafter on XX/XX/XXXX I received a letter from The CBE Group stating they are attempting to collect a debt in the amount of $XXXX. They have reported this false debt to the credit bureaus. The CBE Group stated that in order to cancel the debt I will need a letter from XXXX XXXX XXXX. I was on the phone for an hour with a representative at XXXX XXXX XXXX {XXXX  ID#:

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HOVG, LLC
State: NV

Complaint narrative:
Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}

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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX is the bank for XXXX XXXX. 
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item. 
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner. 
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep. 
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited. 
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft! 
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request. 
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time. 
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. 

Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.

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