vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I responded to a letter they sent me regarding an indebtedness, With an explanation of my situation with also a payment towards the debt, In that letter I clearly stated to stop all phone calls. They are continuing to call on both my cell as well as another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Educational Loan Servicing, LLC
State: CA

Complaint narrative:
I responded to a XXXX ad claiming to be work with the government and help students with student loan forgiveness. During the conversation she was able to have access to my XXXX XXXX, bank account number and routing and was able to extract my SS # and had my CA Driver 's license no.she she drew up forms with my info saying that they were going to help me and that had to pay XXXX lump sums of money before I could pay a very reduced payment for 120 months. she had me click sign her buttons on the forms to generate a generic signature of my name. I have called my bank to close my account and changed security questions, user id., & password. I 've filed a complaint with the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized

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 2015-07-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Internal Check Systems, LLC
State: CA

Complaint narrative:
I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. 
I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Recoveries, Inc.
State: GA

Complaint narrative:
I hired an attorney ( XXXX XXXX XXXX XXXX XXXX to prepare and submit a rehabilitation agreement on my government backed student loans. National Recovery Inc., is the collection agent for some of those student loans. XXXX XXXX submitted my rehabilitation paperwork along with my XXXX tax return in XXXX, XXXX. XXXX XXXX had confirmation National Recovery received these documents. In XXXX, XXXX. XXXX XXXX personally spoke with a representative from National Recovery , Inc. They admitted they had the paperwork, the admitted they were unsure of what was holding up the process, but promised XXXX XXXX they we would have the documents within the week. It has been more then two months since we submitted the paperwork and National Recovery , Inc. has made NO ATTEMPTS to honor the application. I believe they are doing this so they can affect my XXXX tax return. Thus, I believe they are intentional and malicious ignoring the federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. 
Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).

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 2017-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Integrated Recovery Services
State: ME

Complaint narrative:
A recorded message calls me employer looking for me and giving the number XXXX stating to call immediately. I have called and stated that I am not allowed to receive calls at work however, they continue to do so. I have asked that they send a letter of debt validation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mortgage is through Wells Fargo. I have been an excellent customer for approximately 11 years. I am going through a divorce and contacted WF to advise them I was now a single income household. To try to keep from getting behind on my mortgage I made a partial payment in XX/XX/2017 of {$800.00}. To date the funds have not been applied. I have contacted WF several times asking for the money to be applied or returned to me. I was advised that the money would not be returned to me but would be applied at a later date. It has been 3 months and the funds have still not been applied as a payment. I asked if I could send the remaining payment balance in and include the funds being held to make a full payment and I was advised no, that I had to make payment in full but could not use those funds. I made a full payment as requested but the funds have still not been applied.

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 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Highland Capital
State: OH

Complaint narrative:
A male who said his name was XXXX called both me and my wife saying he was a Process Server and that he was letting us know that he would be at our home or place of employment to serve legal papers unless we called this number XXXX we called that number four times and all we get is a voice mail. With his last phone called he said, " that was your last chance and I 'll be at your home at XXXX on a specific date, Ill see you then. '' He leaves no other information on this matter. '' I contacted my Lawyer and he had me file a police report, file his complaint and keep any other contact with this person. My Lawyer informed me, plus the Police taking the complaint that Process Servers do n't call you before they serve papers and this was most likely a scam or and illegal attempt by a collection agency to collect a debt with scare tactics.

Company response to consumer: Untimely response
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: AES/PHEAA
State: IN

Complaint narrative:
A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: UT

Complaint narrative:
I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has been removed from my report between XXXX but was reported in XXXX of 2016 by the creditor. My complaint towards Transunion and XXXX XXXX is that they have reported an account that was removed completely from my credit report. My understanding is that once something is removed, which the team at XXXX XXXX XXXX has accomplished, it can not be reported again. Perhaps my understanding of the rules that govern these affairs is too literal, but I do not feel that their reporting is accurate or allowable as they report the account as newly charged off monthly with continued late payments long after the vehicle was sold at auction and the account was charged off.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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 — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation