vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
This is my 3rd CFPB complaint. FedLoan Servicing continues to fail to properly account for my PSLF qualifying payments. I have sent countless requests since XXXX to have my loans manually counted, but I have yet to receive an accounting that makes logical sense. I make one payment every month that is supposed to be applied to the minimum balance on all my loans. If my payments were being applied consistently every month, all of my loans disbursed on XX/XX/XXXX would have the same number of qualifying payments ... but, they DO NOT! My most recent recount as reflected in the XX/XX/XXXX correspondence FedLoan sent me shows some XX/XX/XXXX loans having 62 payments, while some have 63 payments. In addition, loans that were disbursed just 2 months after the XX/XX/XXXX loans, on XX/XX/XXXX, have a 7 month discrepancy in payments between them. Furthermore, two loans disbursed on XX/XX/XXXX have different qualifying payment amounts as well. 

Based on my phone conversation with reps XXXX and XXXX on XX/XX/XXXX, I have been making qualifying payments on all my loans since XX/XX/XXXX. Total months from XXXX = 78 months. I had 3 late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which did not qualify, XXXX = XXXX. I also have 8 months of forbearance/deferment, XXXX, XXXX and XXXX. XXXX XXXX. Based upon my calculations, my qualifying payments should reflect as follows : Loans disbursed XX/XX/XXXX = XXXX qualifying payments " QP '', Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: IN

Complaint narrative:
I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( cell ) XX/XX/XXXX Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX FAMS - Financial Asset Management Systems , Inc . 
Attn : XXXX XXXX VP Operations XXXX XXXX  XXXX XXXX, GA XXXX AND Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAMS Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice to Rescind Settlement Agreement Dear XXXX, Please be advised that I am rescinding the settlement agreement made with your company for the following reasons. I agreed to a reduced settlement plan with your company last week and paid {$100.00} down using my Visa ending in XXXX. Your company was told at the time that the agreement was contingent upon my receiving the agreed settlement terms in writing within 24 hours. After I did not receive a copy of the receipt detailing my telephonic payment or a settlement agreement as promised, I called back the next day to inquire about when I could expect to receive the settlement agreement and a copy of my transaction receipt. I provided both an email and a fax number. 
As of the date of this letter, you sent one letter dated XX/XX/XXXX still showing a balance of {$54000.00} and a payment due XX/XX/XXXX in the amount of {$500.00}. The letter is attached for your review. The letter does not contain any receipt or acknowledgement of my {$100.00} payment and it does not contain any of our agreed upon settlement terms, include the total amount of the settlement and the agreed upon monthly payment amounts. I still have not received a copy of my transaction receipt for the {$100.00} I paid towards consideration of the settlement agreement. I also have not received the settlement agreement as promised. 
At this time, because of your companys deceptive and unfair debt collection practices and because you have breached the terms of our verbal agreement by not providing terms in writing as requested or a copy of my receipt, I do not feel comfortable proceeding with any payment arrangements made with your company. As a result, I am hereby rescinding any agreements made with your company to settle this debt and hereby revoke any promises of future payments made as a result of this verbal agreement, effective immediately. You do not have authorization to debit any of my financial accounts, including but not limited to my debit card ending in XXXX. I hereby dispute the validity of the debt described in your letter dated XX/XX/XXXX, a copy of which is attached for your convenience, and I demand a refund of the {$100.00} made with my Visa card ending XXXX, within 48 hours of your receipt of this notice. 
Regards, XXXX XXXX. 
Cc : Consumer Financial Protection Bureau

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 2019-10-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IL

Complaint narrative:
TEK-COLLECT INC ( XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ) bought a debt ( Account number XXXX, Collection opened XX/XX/2017 ) from original creditor : XXXX   XXXX XXXX in the amount of {$650.00}. I have complained and disputed so many times with XXXX, XXXX, and XXXX as well as Tek-Collect. I keep telling them each and every time that I never attended this college. Each time they ignore me and keep on with the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
Sent out letter to find out why it was on my report on XX/XX/15 received reply on XXXX stating they didn't know what I was talking about. I sent the acct number and they also listed it on the reply. Their letter stated they didn't have anything to verify the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/2019 I received by mail a earnings withholding order from my HR department stating I had a garnishment for 25 % of my biweekly earnings effective immediately! First and foremost I was never given the opportunity to defend myself at this court hearing, I was never served documentation of this lawsuit! The following issues are red flags that I have noticed immediately from this debt collector in the pursuit of this debt : *The address on the earnings withholding order is over 8 years old I believe it was the address I used on my rental application when I moved into the apartment complex owned by XXXX  XXXX XXXX XXXX . 
*I was never served by the debt collector for this lawsuit the debt collector is in possession of my current phone number and could have contacted me regarding this lawsuit by phone to confirm my current/correct address. 
*the original balance of debt owed to XXXX XXXX XXXX XXXX was {$2800.00}, the current balance since XXXX XXXX XXXX and XXXX XXXX XXXX XXXX over debt collection is now {$4300.00} that is {$1400.00} in interest and a {$65.00} enforcement fee this seems excessive. 
*I believe that they wrongfully put down the incorrect address so that I was not able to defend myself in court and so they would get the full 25 % garnishment amount from my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My account shows that I have an account with late payments. I do not believe this is accurate, because my own accounting with auto pay shows I was not 30 days late. Under the Fair Debt Collection Protection Act, I have the right to request incorrect and unverified information be removed from my credit file. 

Accordingly, please remove the " late payment '' immediately, because my credit is important to me and this is unfairly penalizing my credit score. I would like to maintain a good relationship with Toyota Motors Credit. So I will appreciate your cooperation in getting this fixed in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I ' m filing a complaint against Suntrust Bank For transferring funds and closing business account without my authorization. 
My business account funds were transferred in 2012. 
I was out of work due to a head injury and going through rehabilitation. For sometime I've been looking to locate XXXX XXXX XXXX   account ; A business partner went to Suntrust to transfer funds into a unknown account. 
I was not in agreement to this transaction and I did not sign anything in agreement to this unauthorized transaction. I reached out to Sun trust about this serious matter with no response.Suntrust has a record of the amount of funds transferred ; without my authorization.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING. 

Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name. 

Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ). 

*RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ). 

I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.

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 2019-10-22 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I defaulted on a Navy Federal Credit Card. I had been unemployed with no funds to pay. Finally got a job, catching up on household bills and kids needs. Navy federal took my paycheck of {$1700.00}. I was aware that I defaulted but never was told that they could take a huge check in that amount. I pleaded with them to reverse my pay check because they were leaving me with no money for food or gas. They refused to reverse it but said I could set up future payments. I explained to him I was trying o get on my feet and that I would set up a payment but to please reverse the funds.He refused. I think customers should be aware of this clause because I wasnt until after they took my pay check. Who gives them the authority to take a whole paycheck, they should not be able to take over a certain amount because they havent even sued me. No judge gave them authority to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/2016, I was electrocuted in an accident which caused me to be medically unable to work until a few months ago. As a result of this I have been forced to declare bankruptcy. 
For that purpose I retained Attorney XXXX XXXX of XXXX XXXX, WA, XXXX. Attorney XXXX still represents me. 

During that time I was contacted by Pioneer Credit Recovery of XXXX XXXX XXXX, XXXX NY XXXX regarding my student loan. 
I informed them of my attorney 's contact info, and asked that they direct all communication through him as required by law, until my bankruptcy proceeding was completed. I would then make arrangements to resume payments on my student loan once working again. 
Despite being given this information, Pioneer has not only refused to contact my attorney, they have continued collection activity by continually calling me, my family members and threatening further action. 

As you know, under the FDCPA, all collection activity must cease during a bankruptcy proceeding. Pioneer has refused to abide by the law. 
Under The FDCPA, a company is required to send to me in writing all information relating to the reasons and amounts they are trying to collect. 
Despite having been over a month since their first contact of me and having my correct address, they have refused to do so. 

Furthermore, under R.C.W RCW 19.16.430 ViolationsOperating agency without a licensePenaltyReturn of fees or compensation.

( 1 ) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both. 
I have repeatedly asked Pioneer for proof they are licensed and bonded in the state of Washington to collect a debt as required by law, but they refuse to provide me this information. 

This is my last attempt, in good faith, to ask Pioneer Credit Recovery to follow federal and state law and cease all collection activity until my bankruptcy proceeding is complete, and direct communication through my attorney, whose contact information they have. 
At that time I will make arrangements with them for rehabilitation of my student loan debt. 
I am filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the both the NY and WA State Attorneys General. 
IT is illegal to circumvent the bankruptcy laws of Washington State and the FDCPA. I am requesting that Pioneer follow the law.

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.

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