vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.

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 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made   XXXX  2017   . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.

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 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC
State: VA

Complaint narrative:
I had a foreberance on this loan back in  XXXX  because I had lost my job, after which   XXXX   XXXX   XXXX   made no attempts to contact me, I have had no contact with the loan provider since that  time.  XXXX    years ago, they attempted to take our federal income tax return, since this is my debt and not my husband 's, he had to file an  XXXX  spouse for to get his portion of the return back. The only information I could get from the IRS was the loan was sold to the government. Last month, I get a letter from  Allied Interstate, LLC t hreatening to garnish my wages, up to  XXXX  %, for repayment of the loan. I made an attempt to contact them, they kept telling me I need to pay the loan in full and they could help me do that over the phone. When I told them I could not pay the amount in full, they said, well you will have to wait until we send you more paperwork. About a week later, I received information in the mail again asking for all my financial information. A couple of days ago, I received a letter from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , saying that I have a hearing scheduled for  XXXX   XXXX , in which they will decide how much of my wages they can take.  Allied  has sent me a statement of payments, there is an additional {$10000.00} worth of collection fees, etc added to the loan. Also, I was charged an additional {$17.00} each time they had to send a portion of my tax return back. There is no indication on this statement where the portion of the money that was kept was ever applied to my account. I have made numerous attempts over the years to get in contact with someone about this loan, with failed attempts. The loan information is not on my credit report as a default or open collection, etc as of   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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had contracted a local    XXXX   XXXX   XXXX   (   XXXX   XXXX   )    in   XXXX    2016 to do some interior and exterior work on my house. I paid him with a credit card, issued by Chase, supposedly to be protected by the illusionary guarantee, provided by the bank. The workmanship and materials are of such a low, substandard quality, that six months later, there are visible gaps and cracks, bathrooms need to be re-caulked and re-grouted, exterior columns show cracks, etc. I have filed a complaint with Chase and they initially gave me credit for the shoddy, substandard work. I have provided them with all pertinent documentation, when they needed it. The contractor  disagreed and finally, Chase reversed the charges on frivolous pretexts. I had provided Chase with a written estimate by a screened and vetted contractor, registered with  XXXX . Chase rejected his estimate on a whim, saying they needed an estimate, written on " letterhead ''. I find this extremely pretentious, concocted and contrived, as building contractors are good at fixing houses but they should not be expected to come up with some fancy letterhead and logo to satisfy some frivolous demand!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient 's processing of annual income based repayment ( IBR ) requests takes too long - several months ( standard seems to be 3 months ), causing my monthly payment to quadruple or quintuple.
Every year I file my tax return as soon as I have all my documentation. For two consecutive years in a row (   XXXX   and   XXXX   ) I filed my taxes in   XXXX     and immediately submit my IBR request to Navient. I then follow up in a month with Navient to verify receipt.
For two years in a row, Navient takes 3-4 months (  in this case, it is currently   XXXX   and my IBR has not yet been approved ) to process and approve my IBR  request. This causes my student loans to be pushed out of IBR and into standard loan repayment, causing me to overdraft my deposit account and having to put other expenses on credit cards just to repay my student loans. Although I can submit a paystub instead of a tax return, I prefer to submit my tax return as it includes both my husband and my income after tax and will reflect a lower amount than if I submit a paystub.
When I called Navient both years to complain about the amount of time it takes to process the IBR, they offer to put my account into forbearance. I do not need forbearance - what I need is for there to be a reasonable processing time of my IBR request to avoid high monthly repayment costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: IA

Complaint narrative:
I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I signed up with  XXXX  and Transunion to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every  XXXX  days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about   XXXX   months.

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 2017-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Hello Digit, LLC
State: WI

Complaint narrative:
I use  XXXX  which is a personal micro savings app. The service uses an app to study your back account and your spending habits to make micro withdrawals from your account for savings. The service also promises to cover overdraft fees if the app does n't do this properly or withdraws money that causes an overdraft. I am complaining because I am not being given the full overdraft reimbursement.       On Friday  XXXX   XXXX   XXXX  took  XXXX  withdrawals of {$62.00} and {$53.00}. I was not alerted to this fact and only found out because my bank sent me an alert.  XXXX  has never taken this much from my account in  one d ay before. I attempted to withdraw the money and was told by the app that it would not be available until Wednesday  XXXX   XXXX   XXXX  ). During this time I attempted to withdraw money from other  XXXX  savings to stop the overdraft fees, but it was not enough because I have set up pre planned payments that the app should be aware of. I immediately contacted   XXXX   on Friday  XXXX   XXXX   XXXX  ) and was told by the representative that the money would not be available until Wednesday  XXXX   XXXX   XXXX  ) and I also told her that because of this I will overdraft significantly. She responded that it was  XXXX  policy to cover overdraft fees and asked for screenshots.     Fast forward to this Tuesday when I now have  XXXX  NSF fees and after many emails to the rep I am told that   XXXX   is not responsible for the overdraft fees and that they will only be reimbursing me {$15.00}. I was upset because if that large amount had not been taken I would not be in this situation right now. My account would have been fully covered.     I asked to speak with management and was given the same spiel that   XXXX   was not the cause, but  XXXX  caused this snowball effect. It is supposed to be smart enough to know my bank account and given my time with the app it would be obvious that taking that much money in one day would not work for me. I feel as if this company is trying to find a simple loophole to avoid responsibility. My account would have been fully covered if the app would have taken the normal amount it usually does.     I feel like   XXXX   is not honoring their agreement. I have closed my account. I now have  XXXX  NSF fees and I was only able to access the money they took today (  XXXX   XXXX  ). The money wo n't post until tomorrow which will balloon this problem even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On   XXXX   I called Equifax to inform them that a couple of the collection accounts I have, I received proof that they would delete them, however the representative said they could not do unless we had confirmation of that, so I told her that I have proof directly from Them but she still refused. What a terrible way of handling thing on Equifax 's part. Terrible customer service!     The accounts was    XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: KS

Complaint narrative:
Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.

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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have called and also submitted disputes online about the issues, when I first disputed the incorrect information it was removed. For some reason it was put back on, you responded to my first complaint through the CFPB stating that I did n't contact your company about the negative information showing on my credit report when in fact I have contacted your company several times, I have even faxed proof showing that information should have been deleted from my report and nothing has been done. I ca n't even dispute online anymore because every time I try I get a error message stating that I ca n't dispute it online. I 'm not sure what else I need to do to have the negative accounts removed from my report. You have addresses reported and inquiries showing that I did n't authorize and yes I disputed this last year and it was removed like I said earlier then it was put back on my report.

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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Says I lived in  XXXX   XXXX , Nebraska. That is wrong. I lived in  XXXX   XXXX   NE for only 4-6months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On or about  XXXX   XXXX ,   XXXX  , my credit card company lowered  XXXX   XXXX   XXXX   XXXX   XXXX  my available balance from {$4500.00} to {$2400.00}, which is approximately the amount owed. I have used my credit card, well within the terms of our agreement, and I have made my recent financial decisions based on my credit line. This decision came without notice, and has now demolished my credit ratios, and ruined m y credit score . I have asked the company to please advise me of any appeals process. Thus far they have refused to reconsider this decision on the face, or otherwise advise me of any appeals process. They are being extremely unhelpful.     I have a 100 % on time payment with this card, and with every other card, and with every other debt that I carry. I have a job, and I own a home, and  XXXX  cars. It 's not so much the money that I am concerned about, it 's that this malicious action has jeopardized my  credit score,  and therefore my financial well being and that of my family.

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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.

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