vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: HI

Complaint narrative:
I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I am currently in XXXX. There are XXXX different companies servicing my student loans. AES does not have a record of me still being in school. The other companies have records and have me listed in deferment. AES has my graduation date on file, but no records of me still being in school. They told me it was my problem and up to me to provide proof ( from my registrar ) that I was in school. How is it that XXXX company ca n't figure out that I 'm still in school, but the other XXXX can?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax system is cumbersome

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?

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 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: High Point Asset Inc
State: MO

Complaint narrative:
I missed a call from the debt collector and I returned the call and stated Im returning the call. The collector stated they were looking for me, and I never verified I was the person whose name he stated I asked what the call was regarding and he responded its regarding a debt and I asked if he was familiar with the laws he told me yes and he can disclose that its regarding a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: FL

Complaint narrative:
A company called High points asset keeps calling and leaving voice mails saying I have 72 hours to leave a statement on my behalf and that there are XXXX charges against me XXXX. Aways it is a recording. when I call back no one answers. They have also left messages on my parents phones as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report? 

I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further. 
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status. 
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue. 
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession. 
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.

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 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc.
State: IN

Complaint narrative:
HireRight gave inconclusive credit findings to a Company called XXXX and company. I was scheduled to start work for XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015 I was extended an offer for employment with them. I accepted and received paperwork from HireRight. I received a credit report from XXXX saying that my public records were sent to XXXX, but the address on the report was that of HireRight 's. The credit report had XXXX items that should have be on the report. XXXX showing that of a paid Indiana Tax lie and the other showing a false judgement against me from a check cashing company. There was XXXX also for Indiana state that I did owe and was paid on XXXX/XXXX/2015. HireRight showed these as flags on my credit to XXXX. HireRight did not investigate these thoroughly. As a result XXXX called me on friday XXXX/XXXX/2015 saying not to go in on XXXX/XXXX/2015 and I would start on XXXX/XXXX/2015 and they wanted to discuss HireRight 's flag that they showed. On Monday at the end of business day I got a call from XXXX and the HR rep had pulled my personal credit report and really didnt talk much about my public records. We talked about my personal credit. On Tuesday I received an email from the HR rep saying she and the hiring manger would be talking again on what their thoughts were. Finally, after seeing that I was getting strung along. I reached out in the after hours expressing that maybe it would be best that I pursue other opportunities and that I could see that XXXX was stringing me along. HireRight reported information costing me a job. As a result of this I am now unemployed with bills vastly approaching. I have no way of recoup my losses. I 'm also getting all types of soliciting calls and emails for companies saying things about loans and pay day loans. I didnt receive anything like this until I gave my information to hireright.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services
State: CA

Complaint narrative:
I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. 
They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. 
XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc.
State: OR

Complaint narrative:
Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Master Finance Company
State: MO

Complaint narrative:
On XXXX XXXX, XXXX my employer was served with garnishment papers from a law firm representing a payday loan company called Master Finance of Texas. I have never lived XXXX but apparently they have a company in Missouri. I do not remember having received a loan from this company. When I spoke with the law firm they said it was a loan that I got in XXXX for the amount of {$80.00}. However on the garnishment papers they are trying to garnish me for {$2200.00}. I do not believe this fair because for XXXX I do not have any recollection of getting such a loan, and XXXX I was never served any papers in regards to a court date. They just showed up at my job with a garnishment notice. This does n't make sense. The law firm also stated I was served on XXXX XXXX, XXXX at my current residence that I have lived at since XXXX XXXX I do not see how since you have to have a key in order to enter my building. How is it possible for them to even be able to garnish me if I was never served court papers? Also how can they try to garnish me for {$2200.00} when the original loan was {$80.00}? Also for the state of XXXX ca n't I use the Statue of Limitation as a defense if I did in fact get this loan? ( I still have no memory of getting XXXX from such a company )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.

Company response to consumer: Closed with explanation