vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
i closed my account with XXXX in XX/XX/2016, i paid my account off and returned their equipment to their office. 
they have hired a debt collector in XXXX Texas and have put a charge of {$60.00} on my credit, i have contacted XXXX and they refuse to disclose to me why i owe this amount even though they are the ones that say i owe that amount, i no longer have a contract with them and they have reported that i do indeed have contract still open which i do not.

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 — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' 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 2016-04-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NPS GROUP
State: WA

Complaint narrative:
I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-02 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Midway Resolution Services LLC
State: PA

Complaint narrative:
I got calls for several years about a supposed payday loan from XXXX or XXXX from various collection companies. I would ask for proof of this unpaid loan in writing. They would not send anything by mail. Some said they had emailed proof others said they did mail proof. I never received anything. This has been calls over the years from various companies who all seemed to have a little info on me. I noticed that Midwest XXXX put a payday loan as in collections on my credit report. I do not believe this is a valid debt. I have lived at the same address for 37 years and have had the same email Address for over 15 years

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a wire transfer on Saturday XX/XX/2017 for {$40000.00} through my account at Wells Fargo bank to an account owned by XXXX at XXXX for the purchase of XXXX cars. The transfer was done on Monday XX/XX/2017 because i initiated it on a weekend. After the wire transfer, i was suppose to get a shipping confirmation from XXXX, but to my surprise XXXX XXXX XXXX disappeared. Their phone were cut off, no email response nor text message response till date. After further investigation i found out they have done the same thing to so many people, a lot of people had lost so much money. I went to my bank at Wells Fargo on Tuesday XX/XX/2017 to file for a recall of my wire transfer and they should alert XXXX that XXXX are involved in wire fraud scheme as a note to my reason for my recall and i was giving a ref # XXXX and it will take 1-6 weeks to here from XXXX. I heard from Wells Fargo rep today XX/XX/2017 and said XXXX responded to my recall request saying they are waiting on XXXX to give them a YES before they can get the money out of their account. These people are fraud and they will never say YES. XXXX is dealing with a fraud company and are not acting appropriately to shut them down. My wife recently contacted XXXX acting like she was interested in a car and XXXX XXXX XXXX gave her the same XXXX account for her to wire transfer money for a car she shown interest on. XXXX are professional schemers and are really good in what they do. I really hope the bank can recover my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My spouse and i had an original home loan with World Savings Loan on or about XX/XX/XXXX, the loan then subsequently transferred to Wachovia Home Loan then to final lender which is Wells Fargo Home Mortgage. The ORIGINAL loan went delinquent sometime in XX/XX/XXXX during the recession. Wells Fargo got our loan transferred to them sometime in XX/XX/XXXX, of which they reported out dated negative information on our credit. The reporting period for a charge off is 7.6 years from the date of first delinquency ( DOFD ). The DOFD is the first date that you became delinquent that led to the charge off, and the account was never brought account current before it was charged off. When it hits the 7 year mark you can dispute it as too old to be reporting. Our understanding of the law is the DATE of FIRST DELINQUENCY should be calculated from the original creditor, ( Wachovia ) not the date of when Wells Fargo got the loan transferred to them in XX/XX/XXXX. Then to add insult to injury Wells Fargo internally wrote off the loan in XX/XX/XXXX over 6 years after the loan was transferred to them, and they also put that information on our credit. Our contention is ( 1 ) they are reporting old information and not reporting from the original credit, thus re aging our credit file, which we believe is against current Credit reporting laws, and ( 2 ) we should not be penalized because Wells Fargo did not write off this loan in a timely manner. 
Any assistance or clarification would be appreciated. 

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 non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I filed a complaint about Wells Fargo who harassed me with phone calls trying to contact XXXX XXXX ( who previously had been assigned my phone number ). I had repeatedly told them who I was. I thought the problem has been remedied, but they are now calling me several times a day again trying to reach XXXX XXXX and/or XXXX XXXX. Clearly they HAVE NOT corrected their records to reflect that my phone number is not associated with the person they are trying to get in touch with. They are calling me from XXXX several times day.

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 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Debt is not verified. I never used medical transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On or around XX/XX/XXXX I send a letter to chase disputing account XXXX after disputing with the credit bureau in XX/XX/XXXX, and XX/XX/XXXX disputing this account. In which the credit bureau has not provided any documents in which I requested for physical documents since under fcra and fdcpa I have the right to request a copy of documents and a signed contract in my file. Credit bureau told me to contact chase in which I did sending them a dispute certified with return receipt in which I have and it was signed on XX/XX/XXXX by XXXX and I did n't receive anything and even checked my report to see if it was showing as disputes with chase and they failed to contact credit bureau making them aware of my dispute in which that is a violation of FCRA 623 ( a ) ( 3 ). Chase is supposed to report it and did n't. It says once a consumer disputes information, you may not report that information without telling the CRA that the information is in dispute. Also reporting outdated information under section 605. When I last contact chase stating I had no contract with them I was told this alleged debt was sold and they have no clue on who it was sold to and for me to contact credit bureau but nobody is reporting this charge off on my account but chase and the credit bureau told me I need to contact chase so they are both giving the back and forth I want this charge off removed from my report. Clearly chase is in violation of my rights according to FCRA and FDCPA. With failure to notify every CRA Involved that I disputed in which I have a copy of my letter and return receipt that chase signed but failed to report my dispute. Also submit corrected information to CRA subsequent to investigating my dispute. Also refrain from continuing to submit information that it knows or should know is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers

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 2017-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: OH

Complaint narrative:
I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After 2 years of continuous payment with Navient ( formerly XXXX ) I requested my cosigner be released because he has been threatening me. My credit report stated XXXX and I have XXXX delinquencies based on the report I printed out. They still rejected my claim. They did not want to work with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson, Watson & Associates, LLC
State: NY

Complaint narrative:
They call a XXXX times a day. On my cell phone. They never leave a message. The few times I have answered, there is nobody on the other end and the call disconnects. I 've found out through looking up XXXX XXXX ( from my caller id ), that they are some sort of debt collection agency. I 've also learned that they are rude and threatening. I have no way to stop these calls. I put the numbers in my reject call list but they always call from a different number. I ca n't get in touch with them, but they are calling and calling. I 've received no mailings from them and I just want the calls to stop.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying Sallie Mae, now XXXX, for over 16 years, and still " owe '' them XXXX, which I do n't believe is true. This portion of the loan is acquired interest and fees. When I first got the loan, I was a single parent, receiving help from no one, and having trouble paying any bills. However, I did keep a payment going with Sallie Mae as much as possible. This loan has been going on for too long, and I know I have payed it, probably twice. I am getting old and trying too save for retirement, I 've no family to help me out, and am going to have to rely on government for everything, which I have never done, even when I could have. I think Sallie Mae has taken more than their share of my money ... .I asked them please to put any extra dollars to interest, but they never did, as far as I can tell. I do not want to give XXXX any more money. 
Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was garnished last year with XXXX XXXX for student loans and I called today XX/XX/XXXX to see where the money garnished was applied to the loans that Navient has. No one had an answer. I asked the, to remove the late payments that are being reported to the credit bureaus because I have never missed a payment since XX/XX/XXXX of last year ( I 'm receiving alerts saying Navient has reported me 120 days late from all XXXX credit bureaus ). I was told to fax something in writing when this was done they said no mail it. But each representative verified that my account is in good standing with no late payments. Still no answer on the money that was garnished as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from one credit bureau then list it with another. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL 3 Credit Bureaus and never reentered on my credit reports again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
Interest charges keep changing. They are getting higher and higher and I am given the run around why this is being charged.

Company response to consumer: Closed with explanation