vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Lady called and said I took an online Internet payday loan, which I did not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I called to adjust my auto payment so that it would pay more than the minimum amount due, but was told by the customer service representative that their system was unable to do this. My original monthly minimum payment it {$87.00}, but I have had auto pay setup to pay {$150.00} for the past year, so the answer given by the customer service representative appears misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: ERC
State: TX

Complaint narrative:
I switched cell phone carriers in XXXX of 2013. XXXX XXXX XXXX to XXXX. Was able to keep my cell phone numbers upon switching companies. Contract with XXXX XXXX XXXX was complete. I had been with that company when it was XXXX. That 's how long I was with XXXX XXXX XXXX. Received a call from XXXX XXXX XXXX about two months after swapping carriers. XXXX informed me that I owed them equipment charge taxes which was over {$200.00}. I asked them why they said It was for their equipment taxes? I said I never heard anything about taxes when I switched. After a brief discussion the representative said not to worry I had been with the company for a extended time and they would just waive the tax charge. I thought that was the end of the story. It did not end there. Enhanced Recovery Company out of XXXX Florida enters the scene one year later with collection on my credit report. This is straight bogus and I have dispute with all XXXX credit report agencies and all they do is after XXXX month is say its legitimate and it will stay on my report. They do not even make that company show any proof that I owe anything. They are asking for {$810.00} to settle this claim. I owe no XXXX anything at all. Please help me remove this from my credit report and make this company report correct collections. They are causing a lot of pain while doing thisXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 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: ERC
State: NV

Complaint narrative:
Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 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: ERC
State: PA

Complaint narrative:
I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit Control claims that the creditor they are representing, XXXX XXXX XXXX XXXX, has placed my account with them for collection. They claim their records reflect that this debt is unpaid and due. I contacted XXXX XXXX XXXX XXXX billing and they have no record of this bill - it was from 7 years ago. They have no record of ever trying to collect on this bill. My health insurance at that time, XXXX XXXX XXXX, also has no record of this bill. There is no proof that this bill exists, and no proof that if it did exist, that in the last 7 years, XXXX XXXX XXXX XXXX did not write it off.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Told Associate that my employer does not allow collection calls on my business phone. They said they would note that in my record and then proceed to continue with the call as if I said nothing. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kirkland Asset Management LLC
State: CA

Complaint narrative:
XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I paid off my Heloc on XXXX XXXX, 2016 and have not received my original note back. I received confirmation that the line is paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I bought an IPhone from XXXX and had it financed their company Citizens One Bank, for which 24 monthly payments were set up through my XXXX XXXX. I wanted to pay the balance in full but when I contacted Citizens One, I was told that they did not take checks, which I found unusual. I also re-read my agreement and I did n't see a clause that stated that I could not pay off my balance before the 24 month term, or accept a check to payoff this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: ERC
State: CA

Complaint narrative:
Collection agency reported a debt that I do not owe to the credit bureau which caused me a loan denial because of false information added to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-17 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: ERC
State: MN

Complaint narrative:
I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: OR

Complaint narrative:
Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I requested debt validation from Enhanced Recovery and still have not received any evidence that this debt is either legitimate or belonging to me. I also disputed this with the credit bureaus and they conducted an investigation and stated Enhanced Recovery verified the debt, which is absurd that they verify a debt to a credit reporting agency and not to me, the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 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: ERC
State: GA

Complaint narrative:
Upon review of my credit report from XXXX I noticed a collection account from Enhanced Recovery Co XXXX stating an amount of {$360.00} is owed. After contacting the listed bureaus I was informed to contact the reporting agency. Enhanced Recovery Co XXXX was contacted via certified mail requesting validity of this account. XXXX XXXX validation letter was signed and delivered on XXXX XXXX, 2016. Enhanced Recovery Co XXXX has yet to respond with proper documents bearing my signature. I have contract with this company nor the company they are representing. I request this collection is DELETED and REMOVED from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 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: CO

Complaint narrative:
I finished XXXX school XX/XX/1998 with XXXX in student loan debt. I was told by Navient XXXX then XXXX XXXX ) that I was ineligible for IBR and would have to put the loans in forebearance during my training. When I finished my training, my loans had ballooned to almost XXXX. Payments were then being allocated strangely to future interest and when I called they could not explain this. These people are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ERC
State: FL

Complaint narrative:
ERC is a debt collector for XXXX. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have had a XXXX come after me for years for a bill on an old property I once had. I never had XXXX and have sent off necessary disputes to have it removed from my credit file. XXXX will remove the account but months or years later they sell the same collection bil with my information on it to another collection agency and then I have to dispute it again. I have requested a letter from XXXX confirming the debt is not mine. They have agreed to send it to me but have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 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: Diversified Consultants, Inc.
State: IN

Complaint narrative:
For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.

Company response to consumer: Closed with explanation