vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IMMEDIATE RECOVERY GROUP, INC
State: MI

Complaint narrative:
The agency, Immediate Credit Recovery Inc, stated over the phone on XXXX XXXX, that they had tried to contact me at an address I moved from in XXXX 2013. I only discovered there was a court decision when I saw that they had taken {$160.00} out of my XXXX SSI on XX/XX/XXXX. 

I have called and also emailed them. I was referred to their " XXXX department '' once the original representative, a XXXX XXXX, discovered I was on XXXX with the judgement that I was unable to work. But their XXXX department has not returned my calls and I 've been calling for XXXX week now. 

I have asked to see the court order, and the original debt, as I was under the impression that when XXXX took money from my court ordered back pay, my entire student loan debt was paid. I spoke to collectors prior to my XXXX award, at which time I had been XXXX homeless for about 6 years, so I did not refuse to pay the debt, I honestly had nothing to pay the debt with. This is a fact that another credit agency took the time to verify, so I do n't understand why this agency could not do the same. 

I have tried to tell the credit agency that with my current rent, after they take the {$160.00}, it leaves me only {$17.00} for the month. I can not easily find cheap housing, as I have been denied housing without a co-signer, because, I have been told, my monthly SSI payments of {$1000.00} are not enough for me to rent an apartment by myself. I currently have to rent month to month. 

I would appreciate at the very least to have the paperwork in my hands, for my records, to settle my debts once and for all. I do not understand why the agency could not find me at my present address in XXXX Michigan : I have lived here for over 2 years now, and other agencies have found me, such as the California XXXX XXXX. Also, they found my bank account information, which is a different bank than the one I used in XXXX XXXX. 

This is causing me enormous XXXX, which I understand is not easy for people just doing their job of debt collection to sympathize with. But I have little and sporadic family or social support here in Michigan, I am quite isolated and I feel helpless at this point. I am trying to find cheaper housing but until then, I do not know how to live on {$17.00} a month. 

Thank you for your time and consideration,

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I received notice of a collection from XX/XX/2012. I have since paid the debt in full. When I asked for proof of debt I received a form with a man forged signature and the witness signature was also forged and even dated wrong. I asked them to remove the collection from the XXXX credit bureaus and their response was yes. They stated that they would contact XXXX and have it removed. This was several months ago and it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IMMEDIATE RECOVERY GROUP, INC
State: KS

Complaint narrative:
They 've called a few times to explain my options for repaying student loans within the same week. I 've explained my work schedule and that I 'm in the habit of doing research on companies I 've never dealt with before paying them any sum. Agreed to call them back Wednesday afternoon ( after work ). The follow up was to contact me at work to further push the issue while I was at work on Wednesday.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documentation that their company has on file that was used to verify my accounts that I have disputed. Being that they have gone past the 30 day mark and can not verify the accounts in question, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your attention to this matter.

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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA NA made an unauthorized credit inquiry to my XXXX credit file

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent a 609 letter to TransUnion asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Todays date : XX/XX/XXXX Dear To Whom It May Concern : TransUnion XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL 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 2017-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: MD

Complaint narrative:
I paid off the mortgage by refinancing on the XXXX of the month. I should get credit for the interest from the XXXX to the end of the month as well as the additional month of interest paid. The mortgage company also charged me 2 months of mortgage insurance in addition to the current month. I called the mortgage company to ask for the refund and they asked me to send them in writing. I sent a certified letter asking for the refund or send me an explanation of their calculation and they did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX I cosigned a loan from Wells Fargo for my wife 's college tuition. I was XXXX XXXX military and was given the 5.9 % rate guaranteed under the Soldiers and Sailors relief act. While on XXXX to XXXX, Wells Fargo put the interest rate at nearly 10 % without notifying my wife or I. The loan was on automatic payment and I only noticed the change while attempting to pay off the loan in XXXX. Wells Fargo has received full payment of the loan and I believe, wrongfully collected interest on the loan.

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 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
TITLE : Wells Fargo : I had an account with a XXXX ; paying minimal interest rates ; & Somehow I was Coerced to switch those accounts to Wells Fargo, By a banker named, XXXX,XXXX , XXXX , tx, who then opened approximately three other accounts, XXXX, etc ... etc ... Well He painted a beautiful picture, promising a 9.7 % interest on a consolidation Loan, which ended up being 11.0 %, which I am still paying. I spoke to a Wells Fargo agent in XXXX, Va named XXXX, who could not lower my rates. I should have stayed with, lower rates, with my Credit Union ; but, admit, that I was Duped, into these High-Interest rates account, and am drowning with Fees. Is there anything I could do? thanks for your time, Sincerely Yours 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 monetary relief
Consumer complaint received 2017-04-03 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Selene Finance LP
State: GA

Complaint narrative:
In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My daughter under direction of her father and boyfriend was advised to apply for private student loans for college, they cosigned for XXXX and I was forced to cosign for another. I was never provided a copy of the actual loan terms or the fact that the payment would never be based on her income when it came time for repayment. She is XXXX and working part time due to her current medical condition and can not make the payment amount they are requiring ( $ XXXX/month ). In 2016 she paid almost XXXX in interest alone and only XXXX is tax deductible. If I would now begin to assist her with these payments I can not deduct any of the interest. I just want her to have the entire loan amount renogiated for a reasonable interest rate with the payments based on her income. If I could also have this removed from my credit that would be good since this was not a loan I had full disclosure on and now my credit score has been so damaged that I can not get a car loan and I am now constantly harassed by Navient phone calls. Please help. She is XXXX yrs old and entirely on her own, without some real help, she will never be out from under this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: FL

Complaint narrative:
I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for {$8100.00} and I had paid it down to {$3200.00}. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. 

Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make {$450.00} payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.

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 2016-04-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 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: OH

Complaint narrative:
I have student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IMMEDIATE RECOVERY GROUP, INC

Complaint narrative:
My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.

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 — Account terms
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.

Company response to consumer: Closed with explanation