vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I contacted Alliance collections about putting 8 collections on my credit for the same collection and how it was an unfair practice for them to use my doctor dates of services and the broken up bills that the hospital sent them for the grand total, when those dates of services and those bills were never sent to me like that in the first place. They wrote back to me telling me its basically legal for them to do that..and sent the list of the dates of service. Those billls were sent to my insurance and then sent to me. So i got them as a big bill. I know you ( Allaince ) got contracted to pay off one amount. Not all of the little amounts you are are trying to use as your bills to ruin my credit and make me pay faster. It only makes me want to contact a lawyer and see what i can do because i have proof that it was one bill from the hospital. being on XXXX, is hard getting by anyway, and when you do this to people to hurt them it is terrible and it is unethical i feel to ruin someone's credit when they are paying you just because you want them to pay quicker. I know I owe, it is not about that or the amount. It is about you putting 8 hits on my credit for one bill from the hospital. That is ridiculous. That is unfair and unethical  practices.

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 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received an email on my XXXX prepaid credit card that a fraud alert occurred on my account I immediately declined the transaction and the called XXXX XXXX number told them the transaction was fraudulent and to decline, they told me I had to file a dispute, which I did when I received there paperwork, they are now telling me it will take 45 days to receive my money, back this is a prepaid card, that I load money to, and I have protections and rights they let the transaction go through, after I explained to them I don't live in florida where the transaction occurred, and that I never give my information or my card out to anyone, The Date I declined the Transaction was XX/XX/2018 for XXXX # XXXX in XXXX XXXX FL Transaction XXXX I immediately cancelled my card and changed my email passwords. However on XX/XX/18 they allowed the transaction to complete, And I filed the Official Declaration if Fraud with there company. After they emailed me the forms 7 days later Now they are telling me I may not get my money back. I cant Afford this The Phone Numbers I have called is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 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: AES/PHEAA
State: MO

Complaint narrative:
hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: DC

Complaint narrative:
In XX/XX/2018, I reinstated my Seterus loan by making a payment of {$370000.00}. This reinstatement amount included past due taxes on the property for an amount of approximately {$250000.00}. During the reinstatement process, I questioned whether the {$370000.00} payment would bring my escrow account to a {$0.00} balance. Seterus responded that this indeed was the case. 

The following month, I received a statement from Seterus stating I have a negative escrow balance of {$140000.00}.  BetweenXX/XX/XXXX to XX/XX/XXXX, I have contacted Seterus via the telephone and in-writing to request a Forensic Audit of my escrow account. Seterus did respond ; however, they did not address the issue of the {$140000.00}. They simply provided details of all the payments that have been made from my escrow account. 

On XX/XX/2018, I contacted Seterus and spoke to a Customer Service Ambassador ( XXXX XXXX ) and she acknowledged that there indeed is an issue and she would take it upon herself to research the issue and assist me in seeking resolution. She indicated that she would follow-up with me in a few days to provide an update. 

Between XX/XX/2018 and XX/XX/2018, I have called multiple times requesting that XXXX contact me. I have yet to receive a response. On XX/XX/2018, I spoke to a Customer Service Manager ( XXXX XXXX ) and she offered to research the issue and follow-up with me. XXXX did indeed do some research and she landed at the same conclusion that there is an issue. When I questioned next steps, she simply stated there is nothing that she can do. 

With further research, I have also determined that my reinstatement amount of {$370000.00} included penalties and interest for {$70000.00} while I was making payments in a timely manner. Since I was on-time with my payments and since I paid the amount to Seterus, I would like a refund of the {$70000.00}. 

Seterus representatives have no interest in assisting me seek resolution to this issue be it over the phone or in writing. I am amazed by the lack of Customer Service by a company that prides itself upon being a XXXX subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX. 

On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied. 

When I contacted them, they explained that the payment I made was being held for 2 weeks. 

This was very poor customer service, appears to be unfair and a illegal business practice. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with Naviet and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. Naviet needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Northwood Asset Management Group
State: IN

Complaint narrative:
The original creditor, XXXX XXXX XXXX charged off the debt and sold it to XXXX XXXX XXXX. Who then hired a third party, Northwood Asset Management Group to collect the debt. Mr. XXXX of Northwood Asset Management Group threatened me with criminal fraud charges if I did not pay either the full amount today or make arrangements today. They did get my debit card # information with the arrangements. But then, I started questioning whether they can do that to get their money. Thats not legal, after speaking with a consumer protection attorney in my state. I feel this debt collector broke federal law and wish for them to be pursued for their actions. Also, when I told them I could only afford $ XXXX/month, they refused that amount and forced me to pay them $ XXXX/month to keep from being criminally prosecuted. Which is illegal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
People 's United Bank is not properly processing loan applications, instead making up false debt figures for the DTI ratio, which I believe may be to discriminate against me. I applied for an overdraft line of credit and they put my DTI ratio  at 92 % because they created false information regarding my student loan payments. My student loans show a {$0.00} payment on my credit and I informed the bank that I pay approximately {$37.00} a month currently. They refused to use the information from my credit report or the information that I provided, instead falsifying a figure to find a way to deny me. The in-branch banker told me that the underwriter required them to call the underwriting department to discuss personal attributes about me, after which the application was mysteriously denied for this false DTI ratio. I was then retaliated against when I informed the loan department I would be filing a CFPB complaint because they refused to provide me any further service, instead hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: FL

Complaint narrative:
I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Within the past two years I've been evicted twice. The US Department of Education garnished my tax return in XX/XX/2018 of {$2000.00}. XXXX XXXX is attempting to collect a debt that I can not validate, and they continue to submit negative marks on my credit while the US Department of Education, XXXX XXXX, XXXX and XXXX also take collection activities on me. 

I have to qualify to buy a car since mine got REPOSSESSED because the US Department of Education failed to return my {$2000.00} tax refund while I was going through an eviction this year in XX/XX/2018. I've told XXXX XXXX that I can not make payments, and reporting negatively on my credit will only make my financial situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
The collection company has contacted me on my landline and left information that is confidential about someone other than myself and no one I know. The landline is listed in my name and no one else has ever lived at this address. I receive my voice mail transcriptions automatically from XXXX. I have a attached a copy of the PDF file of the transcript. 

I have NOT been contacted by US mail as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my account around XX/XX/2018 on Citibank branch, There is a promotion : 1. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
2. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
3. Get {$400.00} deposited to your account I meet the requirements but didn't receive any bonuses, I called citibank, they say they can't see this promotion on my account thus couldn't verify it.

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 2018-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I am a primary and secondary buyer with XXXX XXXX. The account for which I am a secondary buyer, payments are being posted as being late when there are bank withdrawals stating the date and amounts of payments within 30 days of the due date. I have been calling over 5 times to get this resolved, and I am not getting any resolution. Each time I call someone puts in a dispute but the issue keeps reoccurring. I call back to see if the problem is corrected and I am told it's current. Now I am calling again today and its 45 days past due, when a payment was just made in XX/XX/XXXX for the XX/XX/XXXX payment. I was never received any documentation from XXXX XXXX regarding our disputes and was told today that is not the company 's responsibility to send me documentation. So I have no proof from XXXX XXXX stating that this is actually been corrected. Every person that I speak too gives conflicting or incorrect information, which leads to believe that this will not be resolved. This has affected my credit score for there inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Hello- Reached out several times in the XX/XX/XXXX to receive check from Closed account. Now balance is approx XXXX $ XX/XX/XXXX was told special condition to close account and taken3 days. Told to call back on XX/XX/XXXX.XX/XX/XXXX called. Said they cut check- and collided accountXX/XX/XXXX no check received. Called. Apparently check is no mailed or produced. Was told account was Closed XX/XX/XXXX. 

I want my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
In XX/XX/XXXX I was in mediation and was told to submit a financial packet to the lender 's attorney 's office which I did and the packet was review and I was told that I qualified for the Making homes affordable program but the trustee 's of XXXX XXXX did not want to participate even though Nationstar was the lender but XXXX trustees had final say so, I continued in mediation which the lender 's attorney informed that Nationstar has an in house loan that I qualified for which was double the amount of my original mortgage payment it went from {$1500.00} to {$2900.00} which I told them they were setting me up for failure if I could not afford to pay the {$1500.00} how was I going to pay the higher payment which I did not do because again I could not afford it I stated it to the judge and the attorney. On XX/XX/XXXX via email from the attorney office I receive a motion to foreclosure to which I objection due to the there was fraudulent activity within my mortgage documents which I filed complaint with the Connecticut banking department and which they are reviewing at this present time. I was just received a letter of strict foreclosure which is dated XX/XX/XXXX and I have received the court letter requesting to me to come to court as yet but I should

Company response to consumer: Closed with explanation