vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Outsourcing Group, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PMAB,LLC
State: NC

Complaint narrative:
I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( 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
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Nationwide Arbitration Services LLC
State: TX

Complaint narrative:
I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
there is a child support item on my credit report that was scheduled to fall off in XXXX and it is still showing and when I called the credit bureaus I was told that payment was made on the account in XXXX however I have been totally XXXX and no payments have ever been made and I have a XXXX monthly amount to pay because I am XXXX, but the credit bureau is refusing to delete the account from my credit report stating that it will now fall off in the ear of XXXX this is not correct there has not been any payments payment to trigger this 7 year statue and I would like to have this removed from all XXXX credit reporting companies

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 2017-04-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Late fee ( {$20.00} + interest ) was charged for a balance-in-full payment ( {$1000.00} ) XXXX DAY after the standard due date. 

Two things annoy me here : 1 ) The implied interest rate works out to north of 600 %. As you know, there are a few ways to calculate the interest rate implied by a late fee, but I believe my calculation is the most appropriate. Had I paid XXXX day earlier, the fee would have been {$0.00}. So Citibank has charged me {$20.00} for the use of {$1000.00} for XXXX day. Note they separately ding me for interest too ( {$4.00} ) -- I 'm not even bringing that up here. 

2 ) the due date is a few days before the cycle-end date. There is no practical reason for this mismatch and honestly it strikes me as ( at best ) an anachronism from slower systems and processes of the 20th century and ( at worst ) a deceptive practice. Cycle date and due date should be aligned -- there are too many dates to keep track of.

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 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IMMEDIATE RECOVERY GROUP, INC
State: PA

Complaint narrative:
I had thought that my student loans were deferred. I applied for that when I had to take off for family illness. 

I did n't hear anything until I got the paper that they were taking my tax refund. I had no chance to review or dispute or even to make a payment arrangement. 

This puts our financial situation at risk. We needed that return to catch up on bills. 
.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP
State: CT

Complaint narrative:
I took Loan out on XXXX XXXX with Condor capital to purchase a XXXX XXXX. 
It was my understanding that it was a 48-month loan, and my original Payment was {$490.00}. 
The original car was approximately {$22000.00}. I had consistently paid the {$490.00} which was approximately $ XXXX year. Earlier Last year I had a hard ship where I had missed payments, I then made payment arrangements that caused me to pay a lump sum of {$4100.00} which was supposed to be all my back payments with interest and penalties. I then went back to making monthly payments. Then I got a letter, followed by a call that the account had been transferred to XXXX XXXX, and was then said to be in arrears again. In which case I sent via XXXX XXXX {$1200.00}, thinking maybe the original issue was not totally rectified. Again went back to making monthly payments. In XXXX of this year again the company started to say I was in the arrears. However, this time I asked for a statement of account and my original contract which I have yet to receive but they came and repossessed my car XXXX/XXXX/XXXX. 
Before I pay any further I want to know that this is in fact my obligation, and I do not want it to adversely impact my credit. I also now do not have my vehicle and was told that each day they have my car I am going to incur a garage fee. 
I researched the company and see that the original company has a financial Injunction for unfair credit processes in New York. I also, believe that is why they stated they sold the contract to the second company which is now in California, but the name suggest they are clearly affiliated.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Data Check of America LLC
State: AL

Complaint narrative:
After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Aproximately 4 weeks ago Capital One placed a restriction on all XXXX of my Credit cards. Initially I was told there was possible fraud and they were conducting an investigation. After 3 more calls and an email to their CEO I was told it was n't fraud but an internal issue for which they had no explanation or time frame for a resolution. I have still had no resolution except a letter saying they are working on it without explaining what " it '' is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..

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 2017-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank Credit Card withdrew {$3800.00} dollars from my bank account, rather than {$38.00}, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department.

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 2017-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
On XX/XX/XXXX, my wife and were shopping at XXXX in XXXX, MS ( store XXXX ) and went to pay with our recently established construction checking account with XXXX County XXXX. The check was for {$160.00}. The check was denied and we were shocked. We immediately called our bank and told there was plenty of money in the checking account. We then called Certegy, but were told that they could do nothing. We then wrote to Certegy Check Services and they replied with a 6 page document which did not give the reason for this denial. On XX/XX/XXXX, we had cashed a check for XXXX at the same store, same checking account. The only thing the 6 page letter told us was that our transaction fell outside of the guidelines Certegy has established for authorization. This is an inadequate response. We want to know specifically why they denied this transaction.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AFNI INC.
State: FL

Complaint narrative:
I do n't know anything about the charges to my credit some one took out a mortgage in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: IA

Complaint narrative:
In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation