vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grant & Weber
State: CA

Complaint narrative:
This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt

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 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. 
Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. 
Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. 
Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. 
Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. 
Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. 
Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. 
Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this  Company could claim this balance only before XXXX XXXX, XXXX. 
NIght : I never used this Credit Card in the XXXX  XXXX. 
Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. 
Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I have repeatedly requested from Transunion Credit Bureau, XXXX XXXX XXXX XXXX PA XXXX, to provide me with a VALIDATION for bankruptcies that are being reported on my credit report, Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. I have sent them several letters regarding this issue and they have yet to provide me with the validation required. The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never  validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 2017-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
FRADULANT CLAIMS OF SECURITES FRAUD, DUEL TRACKING, ROBO-SIGNING, CONSPIRACY TO COMMIT A VIOLATION OF VIOLATION, CALIFORNIA FALSE CLAIMS ACT. 
FROM XXXX OUR PROPERTY XXXX XXXX XXXX XXXX XXXX CA. XXXX WAS SUBJECT TO CRIMINAL INTENT TO DEFRAUD REGULATIONS AND SECURITIES OF OUR CONTRACTED PROPERTY XXXX # XXXX RECORDING FARDULANT DOCUMENTS AND CLAIMS IN THE XXXX XXXX RECORDERS OFFICE AND THE SECURITES EXCHANGE OFFICE WITH FALSE NOTICES OF DEFAULTS FOR INSURANCE CLAIMS.FALSE CLAIMS OF TRUSTEES DEED UPON SALE WITH XXXX DIFFERANT TRUSSEE 'S CLAIMING THE SAME PROPERTY AT THE SAME TIME OF FRAUDULANT SALE. 
OUR PROPERTY WAS PURCHASE IN XXXX AND A FULL RECONVANCE FROM OCWEN AND XXXX WAS RECIEVED IN XXXX ONLY TO HAVE A PROPERTY SOLD FROM UNDERNEATH US BY OCWEN, WHO CLAIMS TO BE OUR SERVICER FOR OUR MORTGAGE WHICH OCWEN ENTERED INTO A PURCHASE AGREEMNET IN XXXX FOR BOTH THE XXXX AND XXXX LIEN ON PROPERTY IN WHICH WE ENTERED INNTO A  MODIFICATION AGREEMNET WITH XXXX XXXX AND XXXX BANK, WHICH OCWEN TOOK OVER IN XXXX ONLY TO HAVE OUR HOME OF 23 YEARS STOLEN FROM US. 
DOCUMEENTS OF INTEREST # '' XXXX XXXX XXXX XXXX XXXX FALSE TRUSTEE DEED # XXXX XXXX FRADULANT ASSIGNMENTS # XXXX, XXXX XXXX XXXX WE ARE DEMAANDING A FULL INVESTIGATION ON OUR SECURITIES FRAUD CLAIMS, WITH CRIMINAL INTENT FROM OCWEN XXXX XXXX AND XXXX, AND THE XXXX XXXX AFFILATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX AND ATTORNEYS WHO FALSIFIED CHANGE OF TITLE AND CALIFORNIA FALSE CLAIMS ACT.AND DAMGES FOR VICTIMIZING OUR FAMILY AND PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple account.

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 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase XXXX # XXXX Coinbase / XXXX have suspended my account due to a return payment. 

I selected the wrong payment type and subsequently canceled the payment cause of insufficient bank funds. 

So Coinbase XXXX has locked up all my fiat and cryptocurrency. I 'm unable to log into XXXX, which is where all my funds are. I 'm unable to withdrawal funds, which I was planning to use for some of my bills. They have XXXX of my yearly salary locked up in their system, and I ca n't even see my balance. Very Scary to me! At this point I 'm scared they may have stolen the funds. 

My attached email is dated XXXX XXXX, but I 've been trying to get this resolved for 2 weeks now ( I 've had more than one case # ). The email says something about verifying identification, which I had already done when I opened the account. The rep I spoke to on the phone said I should wait to hear back before resubmitting my ID. CoinbaseXXXX ID verification system is broken also, making this task seemingly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX called my phone attempting to collect a debt. I told them I was unsure this debt was mine, and I asked for a letter of validation. The representative on the phone would not send a validation letter, but said he would settle the debt for 50 % of the price and send a letter in the mail stating that the debt was paid. I am reporting this company for refusing to send validation. I was on the phone for 5 minuets and 10 seconds, which is more than enough time to tell me they would send a validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX XXXX {$410.00} did was disputed and removed off credit report and this company Resubmitted this again on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC.
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation