vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: SLM CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX  XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
have requested proof of the original obligation and documents as well as the below I am requesting that XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX  Phone: (XXXX) XXXX-XXXX you provide verification of this debt. your account nmber ending in XXXX ,XXXX  each in the amount of $XXXX and beginning with XXXX for XXXX dollars I requested that they Send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision. Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA) the main federal law that governs debt collection practices see 15 U.S.C. § 1692. I dispute the information contained in my XXXX  credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX 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 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is a continuous complaint to complaint id XXXX. XX/XX/2019 I made payment to my mortgage company, it was returned due to me having fraud attempts on my bank account. Once I found I contacted my bank immediately to resolve this issue. Issue was resolved and I contacted the mortgage company to apologize and to resubmit payment. Payment was accepted and was advised by XXXX that the returned payment took me out of the modification program. I asked her why she said because during the trial payment I am not allowed to be late or have a payment returned. I continued to dispute it as I am no longer on the trial payments as that ended in XX/XX/XXXX and now XX/XX/XXXX placed me in the stage of starting over, which means I complied with the trial and am now given an opportunity to start fresh in XX/XX/XXXX. As the Agreement that I signed did not state that "if a payment is returned that the modification Agreement would be terminated". I have attached a copy of same for your review. I have attempted to make my XX/XX/XXXX mortgage payment under the modification agreement and was advised that it would not be accepted and I received a notification from XXXX and XXXX that LoanCare has marked my mortgage payment late. I am in desperate need of your help. I am a XXXX mother of XXXX kids and I am trying my hardest to keep my house but this company is doing everything possible to keep me from that.

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 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TN

Complaint narrative:
Us Bank closed my account on XX/XX/19.  ....  Called them on XX/XX/XXXX when I could not login to account.  Was told account was closed.  Still had XXXX in US Bank.  Went to location in TN and Assistant Branch Manager XXXX said they sent a cashiers check.  They refused to give a tracking number.  Went to branch a week later and still no check.  Was trying to be patient.  Emailed XXXX XXXX, Bank CEO, multiple times during this process.  Talked to his assistant XXXX and she said there is no tracking number for the check.  I don’t believe a bank would send out a cashiers check without a tracking number.  How am I supposed to know it was sent?  Please help a homeless veteran get his last few dollars.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX  extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX every day. I've told the supervisor who I originally spoke with that I'm available around XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX XXXX and left a voicemail, and again at XXXX. Yesterday (XX/XX/19) I received a call at XXXX that left a voicemail and then called again at XXXX, XXXX, XXXX, and XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Management Services
State: NY

Complaint narrative:
USPS delivered XX/XX/19 sent from Affiliated Management Services Inc. a falsely alleged amount due to " Breathe '' of {$30.00}. Attempts to call XXXX to request email address to attach USPS document received and resolve false allegation repeatedly obstructed. 

Attempted upload of Affiliated Management Services Inc.pdf denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual TRANSUNIONCOLLECTIONS:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: XXXX Pay Status:XX/XX/XXXXXXXXXXXX XXXX XXXX  (Medical/Health Care) >XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX  Balance XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record UntilXXXXXXXX XXXX XXXX 1 Months XX/XX/XXXXXXXX  XXXX XXXX XXXX Collection Responsibility Individual Balance XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XXXX XXXX XXXX XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. XXXX past due as of XX/XX/XXXX XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------TRANSUNIONHARD INQUIRIES:XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have been making payments and some times late. But I always bring paytments up to date.  The card has been closed for some time now. But I am paying it off. I am on a fixed income and can not pay it off in one pament. So I wish they would stop calling every two to three hours about these patments when Im sending their money. If I could pay them in one payment I would.  Thank you for any assitance you can give.

XXXX XXXX
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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/19 I notices an alert that said my XXXX card was past due .I went to the website to see why this happened .It appears I have another late fee as well. I called customer service to try to set up auto pay as this is very helpful, It seems that even though XXXX is a Comenity bank they do not have auto pay. You can schedule a payment a month out, which I did but of course things get busy. I talked to rep and motioned I had not been getting my statements and they don't have auto pay so I felt I have been set up to fail and that the late fees were a form of extortion. ( I do not have paperless billing ). How can they legal charge a late fee with out auto pay. She said that's the way they work and my bank can send out a check every month. I requested the fees waived she said you had a fee waived in XXXX. I did as I didn't have the card or the statement to pay the bill. She said they only allow waiving of 1 late fee. I have several cards from Comenity they all have auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TX

Complaint narrative:
After over 18 years of doing business with USAA my checking account has been closed involuntarily.  Not only is USAA breaking the law in terms of the civil rights bill of 1866 section 1981.  I am appalled how they froze my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I feel like Im being toyed with, and this has been going on for years, I think theres a tinge of discrimination here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc.
State: NY

Complaint narrative:
Emailed XXXX, XXXX,XXXX XX/XX/19 with message: "As related to the attached please provide all invoices to XXXX  and to me for $XXXX and $XXXX. Thank you."No response.Attempted CFPB upload of Tri State Adjustments Inc.pdf denied.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I’m willing to pay off the debt. Can someone email me regarding how to start and fix it to take the derogatory mark off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Hogan Capital II, LLC
State: MN

Complaint narrative:
I requested a payoff as I thought the car had been paid in full but due to move maybe the lien release card got lost in mail. payoff came and shows a balance of {$7700.00} which was more than the letter I had received back in XX/XX/XXXX/XX/XX/XXXX which stated balance was {$6900.00}. I had worked with the company before was told that was balance and no interest would be due. not sure I how I went from owing {$6900.00} to now {$7700.00} especially when i had made payments. I could see if I was of {$1000.00} or so but showing I owed more than originally stated in letter is unacceptable. they then called to see if it was going to be paid off as I had thought of refinancing which of course I can do when the balance is wrong. they are now contacting family members

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX:XXXX   every day. I've told the supervisor who I originally spoke with that I'm available around XXXX:XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX:XXXX XXXX and left a voicemail, and again at XXXX:XXXX. Yesterday (XX/XX/19) I received a call at XXXX:XXXX that left a voicemail and then called again at XXXX:XXXX, XXXX:XXXX, XXXX:XXXX, and XXXX:XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Both my wife and I have attempted numerous times to temporarily lift a credit freeze with Experian.  Our attempts include both the online process at XXXX AND 4 different phone numbers (XXXX-XXXX-XXXX, XXXX-XXXX-XXXX, XXXX-XXXX-XXXX & XXXX-XXXX-XXXX).  I do not know how I got to talk to a real live person, XXXX, but he helped me with temporarily lifting my credit freeze using the PIN provided to me by Experian at the time the freeze was put in place.  He provided me the XXXX-XXXX-XXXX number, but my wife has not been able to talk to a real live person.  Experian needs to have an option to talk to a real person as the phone options either end in a infinite loop, it hangs up, or it informs me to submit a long list of documents to mail.  The online process results in sending the long list of documents.  My wife's PIN did work at a credit union when we applied to be members on XX/XX/XXXX.  We put a credit freeze at all 3 companies in XX/XX/XXXX. We received PINs from all three.  XXXX  and XXXX online process worked perfectly.As I am filing this complaint, my wife tried one last time to temporarily lift her credit freeze online.  It worked!!!! I don't know why it did NOT work in the past. Maybe because of the credit pull the credit union did resulted in Experian's system to recognize the PIN.No person should have to go through this much effort to either freeze or lift a freeze.  ALL credit score companies should be required by law to provide an option to talk to a real person.  It is a invaluable to people to freeze their credit in order to reduce the chance of identity theft.  It is also invaluable to people to lift the freeze when needed without undue burden.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The company is calling my employer telling the secretary that I have a debt and they have a warrent for my arrest.  They have also told her they will be serving me at my employment.  I spoke to them and requested they cease to contact me at my employment and if they would like any communications with me they can do so via mail.  They start to yell at me that I am not paying the debt, they are going to serve me today, that the debt owed is XXXX but I now owe over XXXX in fees.  They tell me they going to continue to call me until they get they money.  They hang up the phone on me as well.  I started to receive these phone calls after Capital One's breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. Equifax, XXXX  and XXXX has reported this information to my credit file in error. The account are as follows:  XXXX/XXXX/XXXX XXXX/XXXX/XXXX , XXXX XXXX, XXXX XXXX(2 accounts), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: IN

Complaint narrative:
In XX/XX/XXXX, my daughter asked me to co-sign for a {$7500.00} student loan for a XXXX XXXX school. My daughter passed away on XX/XX/XXXX with an outstanding balance ( due to a bankruptcy in which Navient wasn't included, supposedly due to being a Federal loan ) of {$7800.00}. I notified Navient of her passing and was told to fax her Death Certificate and loan would be discharged. I continue to monitor my credit scores and this Navient claim continues, so I continue to call. Over my calling Navient, I get Customer Service individuals pressuring me for payment as was a co-signer. I have contacted other Navient phone numbers and was asked to resubmit her Death Certificate, which I did and as recently as yesterday was told that the loan would be discharged soon. I have never received any mail, or phone calls from Navient, only my persistence in trying to get this cleared from my credit, I'm almost XXXX years old, on Social Security, and still upset on the death of my daughter, to get put through a company that gives incomplete and different answers. Most of those demanding that I must pay are impolite and curt. With all of the indecision as to the loan discharged, or not is upsetting.

Company response to consumer: Closed with monetary relief