vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/18, I contacted Citicards to stop an automatic recurring charge for a monthly lawn service. I cancelled my lawn service but can not rely that they will follow-through and cancel the recurring charge. I should have control over my credit card account to stop any recurring charge. I was told by XXXX on Team 13 that Citi 's policy is that an individual recurring charge can not be cancelled for the protection of the merchant and that I can dispute future charges if the merchant does not stop the recurring charges. I was also told I could stop all recurring charges, just not individual ones. I am surprised that I do not have the authority to stop recurring charges. The dispute resolution process is not a viable solution - what if the lawn service never cancels the recurring charge? Must I dispute the charge every single month?

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 2018-07-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.

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 2018-07-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX XXXX  and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.

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 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MA

Complaint narrative:
I am the cosigner ( parent ) of a student loan with the company American Education Services and have been getting bills in the mail for approximately 2 years telling me the loan due date and amount due. I then pay the bill online through ACH payment. I recently received a late payment of {$2.00} and was threatened about being in default. When I called to have the late fee removed I was told that they had to ask for permission through a formal procedure. I received a letter in the mail about 2 weeks later stating they they were not going to remove the late payment charge. When I called and inquired I spoke to agent # XXXX and was told that because the payment was initially late they were not going to refund it. At this time I was told I could make a complaint with them in writing. 

I do not understand why the late fee was not removed and have no desire to file a written complaint as I know it would not change the result. This was an honest mistake as a direct result of them not sending out the bill. Also, I have never had a late payment with them before, and they do not allow for automatic payment of the bill making it much more difficult to keep track of. I am XXXX years old, have excellent credit and over the years have made several mistakes which resulted in late payment charges. There has never been an incident where the late charge was not subsequently removed upon request. 

I believe these predatory companies should not be allowed to get away with this. If I was not looking out for my daughter there is very little chance that she ( or anyone else her age ) would have the wherewithal to stand up to these type of companies. This is not a great deal of money but it is the principal. It is disgusting to me that this company would not refund a {$2.00} late fee. They are making an enormous amount of money off these students as it is with their inflated interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Approximately 5 years ago I contacted Sallie Mae in reference to PSLF - public service loan forgiveness. I have worked full time as a government attorney since XX/XX/2009. I was told that there was no way to make my loan eligible for PSLF. This was not correct information. They put me instead into a 20 year loan. I spoke with Navient yesterday and they told me that I was given incorrect information, that a simple consolidation would have made my loan eligible. So basically Sallie Mae / Navient was deceptive in that I could have been half way completed with my student loans, and instead they expect me to start fresh the 10 year standard payments that I've already been paying for nearly 10 years. This was completely deceptive behavior. I've been paying nearly mostly interest payments for 10 years already, all of that time while being a public servant. Instead of assisting me in my request for PSLF, they deceptively told me I would not be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. 

I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bryant Bryant & Associates LLC
State: CA

Complaint narrative:
on XX/XX/2018 i received a call from XXXX this number belongs to Bryant Acc. my wife got a call from this same place in the 1st week in XX/XX/XXXX. when i called back the number the person answered investigations. the male on the phone ( i can not recall the name or if they even gave a name ), stated this had to do with a payday loan. i told the person that we filed and the bankruptcy for chapter XXXX was discharged in XX/XX/XXXX the bankruptcy was discharged. when my wife had this call in XX/XX/XXXX the person Ms. XXXX tried scaring my wife stating that the bankruptcy was not approved and that if she dose not pay that the sheriff 's would come to our door and arrested. at that time she contacted your office and made a complaint. On the above date when i contacted the number the person asked if anyone was arrested. i advised him no and that this is the 2nd time some one is trying this on me and my wife and that i want them to stop calling us and that they were not harassing us and that if they don't stop contacting our friends, family members, or us we will seek legal actions against them. I did use harsh language with them and advised them that i was not happy with them calling us and causing undue stress in the family. we also contacted the law firm that prepared our bankruptcy and they advised to file a complaint with your agency. i tried to talk to someone from your agency on the above date and they really did not seam like they wanted to do anything or file my complaint. the person from the so called investigations department of Bryant Acc. at the time my wife called sated that it was a attempt of a det through XXXX XXXX. when i talked to the so called investigator i told him if this for XXXX XXXX that i will be contacting my attorney an file a case with all agencies that i can on there collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted Bank of America to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.

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 2018-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient calls me and my mother who is my co-signer excessively. I can't believe I've been paying these two loans for 10 years and they still won't make it affordable especially where I live. I went back to college 10 years ago to get a better job but I live in Ohio and my area code is XXXX. We live in a village. There are no jobs here. None. I can't tell you how frustrating it is. 

But my husband is sick and we can't leave. So therefore I'm trying to make the bills with my job and my husband 's XXXX. It's hard. I thought for sure going to college would make a difference in our income but it hasn't yet. That's been 10 years ago. Navient has told me over and over I can't release the co signer my poor mother whom is XXXX   years of age. So I keep trying over and over again. 

Navient hasn't helped me much over the years. Excessively calls through auto systems, they also didn't help to lower payments, they also said there was no way to release my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Northwood Asset Management Group
State: DC

Complaint narrative:
I fell behind on the loan and it was charged off to a Northwood Asset Management Group. This organization has called my parents and family, sharing personal information about the loan including the amount and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
My cousin required bail money so I applied for a loan, I got approved for {$900.00} dollar loan on XX/XX/18. According to my payment schedule I was going to end up paying back XXXX XXXX dollars. 

I called to the company to make payment of XXXX dollars back on XX/XX/18, I asked for my balance after the payment, they said it was XXXX ... I said why if the loan was only XXXX dollars and there shouldn't be much of an interest. 

I received a new payment schedule and its broken down over a 5 month period. After calculating the new installment plan its not XXXX dollars that I will be paying back, but {$950.00} This company loan sharks consumers ... my interest rate per year was going to be 743.2627 % and they make it difficult to actually payoff the amount. When I talked to a representative I asked them questions and they lied and mislead in order for them to sell me the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP
State: ID

Complaint narrative:
I have a student loan held by Key Bank which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and XXXX, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NCC Business Services, Inc.
State: PA

Complaint narrative:
I was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans  such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.

Company response to consumer: Closed with explanation