vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Diversified Consultants, inc ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX  Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. This debt collection agency did not try to reach out to me in enough means, not even try to have a successful phone conversations before damaging my credit history. I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Unifin Inc.
State: FL

Complaint narrative:
I keep getting weekly phone calls from UNIFIN.

When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question.

I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. 
Now that is where I stated enough is enough I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am having trouble with a Experian website that is run by abe.illinois.gov, and have the Experian Ref # XXXX.

I tried to manage my case with the Illinois XXXX  portal website to update my phone number with them. Was unable to be verified and continue to run into this glitch issue.

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 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
State Farm Bank is the biggest scam ever! In XX/XX/XXXX I canceled a credit card with them. Before canceling it I disputed a charge for {$12.00} and thought once it was disputed I would not owe on the balance. A few days later I check my State Farm app to be sure it is all paid for. The account is no where to be found on my app, so in my mind I must not owe anything on it. Months pass I get no bills from them, nothing on my app about the closed account. Around XX/XX/XXXX or XX/XX/XXXX i start  getting calls from a odd number saying they are state farm collections, so i call there XXXX number to be sure it was them before i spoke with this number and they said that is not us, you dont owe us anything, and we only call from a XXXX number. Yesterday XX/XX/XXXX I get on to check my credit score it says i have 3 late payments, and i know i have never paid anything late, I look into and its from my closed account with State Farm.  So i call to pay it and they said i owe them {$200.00}. After arguing with them about it they brought it down to XXXX, still ridiculous. For a {$6.00} missed payment I collected {$200.00}, in late fees for a balance I was unaware of because they failed to properly notify me. I filed a complaint and they still made me pay {$130.00}!! Total scam!!! And they also clamied To be sending emails to the wrong email for notices about the balance one that isnt even linked to my credit card account! I told them it was the wrong email so How could i know about the balance they didnt care! Nothing in the mail about this balance and nothing on my online account about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: LA

Complaint narrative:
To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX.

To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication.

After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX   they indeed were an accredited school.

After graduating it took almost a year to land a job related to my field making $ XXXX  ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree.

As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume.

I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX  counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX  scam and attending XXXX  was the ringleader in this scam.

Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point.

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened a checking acct with PNC Bank in XXXX XXXX ( XXXX XXXX Office ) on XX/XX/XXXX. The agent that I spoke with and made the initial deposit with was XXXX XXXX NMLS ID XXXX. Several months afterwards, I called customer service as I needed to edit some information on one of the payees that I had entered into the account. While on the phone with customer service they somehow eliminated my entire roster of accounts. I was told that they could not recover the info and I would have to re-enter it one at a time. As this rendered the account useless I went to PNC and told MS XXXX   what happened and that I wanted to close the account. This was on XX/XX/18. She told me the account was not open 90 days and they would have to charge me {$25.00} to close the account. I withdrew some money at that time and left some money in as I was not willing to close the account and pay the {$25.00} to close the account, essentially paying for PNC 's ineptitude. I returned to the bank on XX/XX/18 to close the account and was told then by MS XXXX  they needed to charge me {$25.00} to close the account as it was not 120 days ( up from the 90 days I was originally told ). After this visit I reviewed the paperwork I received with the account and there is no mention of any fee to close and account. Way too much razzle dazzle!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had such a bad experience with AMEX. I signed up for AMEX Everyday Credit Card with " 0 % intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74 % to 25.74 % '' and " Earn XXXX   Membership Rewards Points after you use your new Card to make {$1000.00} in purchases in your first 3 months. '' I got my card without the offers.

I called to submit a complaint, after waiting more than a month I received We didnt find any APR offer on your account!

AMEX never promoted this card without that offer, I kept an eye on that card for a long time, and I was already pre-approved, and I waited until I really want to make a big purchase to use the card and I was surprised when I figured out that the offer is not applied.

So frustrated, felt that I got tricked, and they didn't offer me any alternative to fix the problem. I always get " We would not be able to override this ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a private student loan since XX/XX/XXXX with Wells Fargo. Since I started paying back the loan a few years ago in XX/XX/XXXX I was always on time. In XX/XX/XXXX after I became a parent, I called Wells Fargo to know if they can postpone my monthly payments for 3-6 months while I gained back my financial strength. They're resounding answer was No. My other student loan providers gladly worked with me on this. As of some time ago, I called Wells Fargo again and they still said no, granted that now some of my monthly payments were not on time due to financial struggles. My balance in XX/XX/XXXX-XX/XX/XXXX was roughly 12K and  since I graduate 7 years ago it is a little over 10K which was another reason for my call. I pay a bit more than the minimum and the balance never seams to go down in comparison to my XXXX loan which was almost the same and I owe my less on that one. Overall, I think Wells Fargo was not usually the best practices with consumers.

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 2018-08-01 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: MB FINANCIAL, INC.
State: NY

Complaint narrative:
Hi my friend XXXX XXXX filed a complaint about a joint account that i have with him about that will be referenced in this complaint witch you guys concluded that you will remove a 30 day late from the account and some how on my credit report it still appears if you can please update the reporting it will really help my as you have done to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, I enrolled and began classes at XXXX XXXX in XXXX XXXX, La. after a few weeks of classes, I began having difficulties with my instructors, such as inability to understand her speech, as she was from another country, and substituted many words and phrases with her native tongue. So, after requesting a change of courses, I switched from drafting and design, where i originally had issues, to criminal justice where id hoped to continue my education, only to receive an inaccurate attendance record, despite having all assignments and any homework from the " missing '' days. Boiling down to instructor errors, they terminated my instructor and hired a new instructor who started doing the same thing, if not worse ( making it seem as if i was not showing up for course hours ). I was promptly let go from all courses toward the middle of XX/XX/XXXX due to these inaccuracies in attendances. Overall I was enrolled from the summer of XX/XX/XXXX, to the fall of XX/XX/XXXX. I understand that I do not fall under the discharge of student loans due to their closure, I feel I am a victim of fraud as they could not supply me the education I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have contacted XXXX XXXX probably close to 100 times. I have talked with so many different people, customer service, financial representatives, supervisors and I get a different story each time. There is NO consistency. I have been trying to figure out how to lower my monthly payment and/or utilize income base repayment option. They REFUSE to help with any of this. It's beyond frustrating. I have three student loans with them in additional to Federal Student Loans and I can't afford the monthly payment. Working with this company is nothing short of a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: NC

Complaint narrative:
I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XX/XX/2015 I  began consolidation of multiple student loans. XXXX XXXX XXXX XXXX XXXX was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. XXXX XXXX XXXX XXXX admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. XXXX was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.

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 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Old Republic National Title Holding Co.
State: NC

Complaint narrative:
Please accept this formal request to provide me that certain written : Request to Terminate an Equity Line of Credit under N.C.G.S. 45-82.2 on any alleged account ( s ) relating to me secured by real property commonly know as XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX , NC XXXX and XXXX XXXX XXXX XXXX XXXX , NC XXXX. 

Thank you, XXXX XXXX Policyholder

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
on XX/XX/XXXX. I put a payment thru to a private party that I found on " XXXX '' for a private camper Rental. Per the owner request ( or so I thought ) they informed me that they had trouble or it took too long for them  to get their money from XXXX. 
" okay good, you can pay through paypal.this the paypal ; XXXX '' After I sent the Payment thru PayPal as I found PayPal to be Secure, I wanted to double check something on the Camper the camper was removed from the site. 
I emailed the so called owner and their response was " Yes all the rv listed on site are all gone for reservation and the one you booked for. '' This threw a red flag to me and I called PayPal to cancel the transaction. They let the transaction go thru. 
Now I have to do a dispute with the Credit Card Company. I am the person in charge of that PayPal account that is MY money not theirs. When I say STOP a payment they need to do as I said. I can not believe they let this go thru. 

XXXX was the complaint number. I'm very displeased that I could not stop a fraudulent payment. the email that is included with this whole mess that said they were the camper etc ... is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have received several statements ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX )  stating that I owe {$400.00} to this collection agency and I have asked them to provide me with verification and validation of this account. They keep sending me the same credit card statement which does not show proof of validation. I have sent them 2 different letters ( dated XX/XX/XXXX and XX/XX/XXXX )  attempting to settle this because I want it off my credit reports and they have not sent me anything trying to accept payment or settle the account. It has been well over 30 days and I would like to have this account off my credit report ASAP. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I purchased furniture at a local merchant in late, XX/XX/XXXX. That purchase was financed over time, and the loan was sold to XXXX XXXX. My first payment was made in XX/XX/XXXX in the amount of {$180.00}. Subsequent payments of {$180.00} per month were made each month for 27 months and a total {$4800.00}. I have bank records that prove {$180.00} was debited from my bank account each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX. I am happy to provide the XXXX file from my bank, to include confirmation numbers, to the CFPB or the receiving institution. Notwithstanding the monthly payments of the agreed-upon amount, the creditor ( XXXX XXXX ) has reported this trade line severely delinquent -- reporting it 30 days late five times, 60 days late four times, and 90 days late three times. It is egregious that one can purchase furniture, the loan be sold/serviced to XXXX XXXX who receives the monthly amount due, and that bank then prey on a consumer who is making payments in good faith with regularity and never missing a monthly payment. I invite any creditor or agency with a bona fide interest to review my credit history, and you will find stellar credit payment history that begins 19 years ago and includes real estate, installment, and revolving accounts. What is even more unbelievable is the original furniture purchase called for 24 monthly payments of {$180.00}, which is a total payback of {$4300.00}. While I tried to work with XXXX XXXX  even though I could not understand what the problem was, I ended up paying three additional monthly payments of {$180.00} -- making the total payback more than {$500.00} over the original amount of the purchase.

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 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX  and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX  ). I am trying to clean my credit up to buy a house and I cant when these people keep  adding them after theyve been closed and deleted! Please help!

Company response to consumer: Closed with explanation