vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: ND

Complaint narrative:
My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,

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 2017-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My son XXXX XXXX XXXX XXXX last Saturday. He was attending XXXX XXXX College a few years ago. This college went out of business. Originally, this was a parent plus Federal Loan and then Navient took over the loan. We have {$5000.00} left to pay on this loan. I have been paying XXXX XXXX dollars a month on this loan. I called the company and they said I was responsible for this amount. Even though I have always paid on this loan every month, they upped my rate to {$130.00} a month and will not forgive the loan. I am grieving for the loss of my son and having to pay funeral expenses at the same time. I was hoping this company would forgive this loan, but were totally unsympathetic on the phone and are making me pay the loan off. This company is a predatory lender that takes over Federal Student Loans and charges parents for students who are dead. My next action is to take them to Small Claims Court if nothing can be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
My social number is incorrect on my background check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: AL

Complaint narrative:
On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. Complainant told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. XXXX and Experian show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged Complainant. XXXX and Experian also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.

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 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
All of sudden my Checking account, my saving account and my credit card account has been closed without any notification. There is no explanation given for the action.

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 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Omega RMS, LLC
State: GA

Complaint narrative:
XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XXXX, XXXX 2017 I disputed account was not received due to a change of address and ask the company to remove late payments. The never verified my a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: IN

Complaint narrative:
On two separate occasions I have called Great Lakes borrowing services about my federal student loan. On the first occasion, around XXXX 2017, I received an email from Great Lakes stating that my first student loan payment was due. I called Great Lakes and told them that I was currently a student at the University XXXX XXXX XXXX, and that my Federal student loan should then still be in deferment. Great Lakes had me print a paper for the financial office of the University XXXX XXXX XXXX to fill out, and then fax back. After, I did n't receive any correspondence back. Then in XXXX 2017 I received another email from Great Lakes stating that my first student loan payment was due. Once again, I called Great Lakes and told them about the paperwork that they had the University XXXX XXXX XXXX fill out, and that my student loan should still be in deferment. They apologized and said that they would put my student loan back into deferment. Today, X/XX/2017, I decided to check my account at Great Lakes to ensure that my student loan was still in deferment, and I have a past due balance from X/XX/2017 in the amount of {$100.00}. Great Lakes refuses to rightfully put my student loan back into deferment and will not provide me any useful assistance when I attempt to make contact with their support department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information

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