vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.

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 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.

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 2018-03-13 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: MD

Complaint narrative:
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.
I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX  when my loans were actually due each year for renewal of deferment etc.

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 2018-03-13 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
in XX/XX/XXXX I spoke to a Navient representative about my two private loans increasing in the payment amount due and if there is any way to lower the payments. They told me they were able to drop the payment from the {$220.00} amount down to, if i remember correctly to the {$170.00} range. It wasn't a huge difference, but this drop was enough to help. So I then scheduled the payment to cover that amount. this was early to mid XX/XX/XXXX when I did this just because I did not want any issues to take place with my payment. Which has happened multiple times in the past.

Now on XX/XX/XXXX I received an email saying that my request for that repayment option was denied. So I called on the XX/XX/XXXX to try and resolve the issue before my payment was due. They told me that I did not qualify, because my loans were not eligible ; even though there representative told me I did in the first place and that my payments will now be around {$220.00}. I just logged in today, XX/XX/XXXX, to schedule my payments for next month and the payment increased to XXXX and even worse when I called they told me I owed XXXX. How do these numbers not match? 

I called on XX/XX/XXXX around XXXX XXXX and explained what happened, my call was then transferred to a gentleman whose name I do not recall. He explained to me that my interest rate increased at the end of XX/XX/XXXX, which I never received any information from navient about the increase. I have screen shots of all the files that were ever sent to me through navient and none of them even bring up a possible increase in the interest rates of my loans. 

Long story short I was told that they can not do anything unless a call and so a budget check to show that I am under financial distress because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been banking with XXXX XXXX XXXX for 2 years now and I've always had issues with the bank charging me unrelated and unnecessary fees ... I have reached out several times to correct this problem but I cant seem to get the bank to Understand my problem. Upon opening my account I was presented information just to get me to open up an account but a few months later things changed ... I have over {$700.00} in overdrafts and return items fee on my account ... Upon opening the account i was told that BBVA doesn't charge for those Items that wasn't authorized but I was ... when i called to dispute those charges the representative hung up on me after 20 of being on the call. For the last 3 direct deposit I've had it was taken  away from me for fees the bank charged me ... Please help me with this matter ... .Ive call and I cant seem to get any help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 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: Navient Solutions, LLC.
State: NH

Complaint narrative:
I did not know I had a loan through NAVIENT until I saw my credit score drop a large amount in XX/XX/XXXX. When I finally got a hold of them to learn about my account ( and create a login so I could actually access the account ) they were going to send it to collections or I needed to start paying right away. I found out that they were sending messages to my school email that I didnt have access to after I graduated. Because of this delay, I was not able to start paying off the loan until XX/XX/XXXX, six months after my loan payments should have started. They had my cell phone number and my parents address but never attempted to call me or send anything in the mail. When I tried to fight my credit score drop with them, they responded that their information was accurate and that there was nothing that I could do ( XX/XX/XXXX ). I also did not hear about their response until about a month after the document was dated because it was sent to an inbox that I did not know existed within their website. I did not receive an email ( to the updated email I gave them ) or phone call letting me know that I had a new message waiting to be opened. The way they handle their accounts is unethical and unprofessional. I went to college to get a degree to better my career, not be blindsided by a company who wants to make as much money they can and not care about those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
The CBE Group (XXXX XXXX) contacts me numerous times throughout the day in an attempt to collect a payment that is slightly past due. Approximately every two hours I get a phone call from the same phone number that never leaves a message. The only reason I am aware of who the company is, is because I have made attempts to contact the nunber that calls and hangs up about 5 times a day. I have asked not to be called this frequently as you will get much further by calling once, and leaving a message so I can call back. If I block the number for calling too often they will just call from another number, and use the same repeated tactics. I wish for this company to stop harassing me. Just today I have received three calls already and it is barly XXXX. If thats not bad enough, they have called my parents, and in-laws numerous times even though they have been informed that I can not be reached at those numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. 

NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX of XXXX XXXX through their online chat session as this was the only available method of communication made available for cancellation of their service. I received a ticket # of XXXX on. I provided them with my phone # and asked for a return phone call which I never received. I followed up the next day XX/XX/XXXX and communicated via email with XXXX XXXX and requested again to confirm cancellation of this service. Per my contract, I had exceeded the terms and the equipment would then be mine. He forwarded me an email with a link that resulted in a " 404 error '' otherwise known as site does not exist. I recently received a letter from Hillcrest Davidson and associates on XX/XX/XXXX yet was post-dated for XX/XX/XXXX!!! and given 30 days to respond. This is completely inappropriate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/18 I applied based on an offer from Capital One Auto Finance via their electronic application process. I received an approval and the contract to electronically sign and return. I did so immediately. The actual document and email I received stated Congratulations your application has been approved. 

On XX/XX/18 I received a call from a representative with Capital One Auto Finance stating they were not going to fulfill their agreement of the approval because I had a dismissal on a Chapter XXXX. I asked for a supervisor and spoke with a XXXX at XXXX extension XXXX who stated they would not proceed even after I received full confirmation of an approval. 

I have the email and the cover letter and the Loan and Security Agreement to validate my concern and claim. 

This is an unfair practice to have me approved, sign loan and security agreement disclosures and then call me to cancel the agreement. If the shoe was on the other foot I am certain they would say well you agreed and you have to meet the terms ; so should they be compelled to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: EZCORP, INC.
State: NV

Complaint narrative:
I took out loans with XXXX XXXX in XXXX XXXX. I paid them thousands of dollars in interest over the years. They finally sent my jewelry back and I found out there were issues such as missing diamonds, less gold weight, etc. I took my items in and found out that XXXX XXXX had put me on a nationwide blacklist and I was told that I would never be able to take a pawn loan. There were issues with the jewelry that I received back and it was not in the same condition as when I originally gave it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX adjusters calling 8-10 times daily from different numbers. Never leave a voicemail or even have someone talking when accepting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX continues to call, leave messages, and inquires about how to contact the person they are attempting to collect a debt from. 

They have called on XX/XX/XXXX, they left a message for XXXX, stating it is important to call them back to resolve this issue. I called them, asking what this was about. They stated they are attempting to collect a debt from XXXX. I told them I am NOT _________, she is my ex-daughter-in-law. She and my son have been divorced for years. Quit calling me. They then asked if I had any contact information for XXXX or could I give her a message. I said, NO. quit calling me. They said they would take my number off of the account. I said, you have told me that twice before. They stated they will no longer be contacting me. 

On XX/XX/XXXX XXXX XXXX again called leaving a very lengthy message regarding ________ with an issue she needs to take care of immediately with XXXX XXXX XXXX XXXX. Again, I called them and told them, this is not my debt, I am no longer related to ________, STOP CALLING ME!! Again they said they would take my number out of the system. I even talked to a supervisor. I said, you have told me several times you would take my number out of the system and yet you continue to call, leave messages regarding ________ debt ( which is a direct violation of FDCPA Rules ) and continue to ask me for contact information for ________ ( also a violation of FDCPA Rules ). Again they stated they would take my number out of the system. I stated, I don't believe you because you have called me a total of 4 times, twice leaving messages, 2 times I answered and told you to QUIT calling and 2 times I called you directly to QUIT calling. I then told them, I have no reason to believe you will stop harassing me and am going to file a complaint with the Consumer Financial Protection Bureau. 

I have the voicemails to prove these claims!! 

XXXX Names intentionally left blank to protect the identity of debtor. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: AES/PHEAA
State: IN

Complaint narrative:
Since XX/XX/XXXX I have been enrolled at XXXX XXXX XXXX XXXX taking pre-requisite courses to seek entrance to XXXX school this coming fall. Last fall, XXXX XXXX automatically placed my loan into deferment based on my enrollment status. This Semester I am only taking a single course which dropped my eligibility below half-time ( I was unaware of the time requirement as I had never specifically applied for the deferment ). 

On XX/XX/XXXX, I received an email stating my deferment had been lifted and my payment was due ON XX/XX/XXXX, the same day as the deferment was lifted.I called in to discuss, and I was informed that because my account had direct debit established the payment was pulling the same day I received notification. No billing statement was ever generated in violation of the Fair Credit Billing Act. The payment did not auto-pull as I had been told, but my account is now showing as past-due because I failed to make a payment on the same day a deferment was lifted with absolutely no advance warning and no billing statement generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.

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