vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: MD

Complaint narrative:
I was told about an Ameritech Financial flyer from a relative ; who believed it was a legit company to help with paying off Federal student loans. 
When I called the company, they sounded responsible and came off as if they knew what they were talking about. I found it weird that with the high student loan amount that I have ; at the time it was about XXXX or so, they said I would only have to pay XXXX total in the end after they calculated everything. The phone call took about 2 hrs to complete the process. 
The result was, I had to make 9 payments of {$200.00} dollars and then it would go down to {$99.00} afterwards. I looked on the XXXX website and I've seen that no payments were made to XXXX at all. I was still getting phone calls from XXXX the whole time I was dealing with Ameritech Financial. I called to cancel my account with them after about a year and a half and they did not cancel my account. I ended up switching bank accounts which resulted in them not being able to receive anymore money from me. I would greatly like to receive all the money I paid to them while thinking I was finally able to pay off my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
After a year of perfect, on-time payments of the loan that was approved by the Lending Club literally in 10 min ( inXX/XX/2018 ), I applied for another loan to refinance the current loan. Since Lending Club does not offer to refinance, I had to apply for the 2nd loan. 
I applied and went through weeks of endless phone calls, submissions of various documents, which they kept requesting after each submission and NEVER, EVER requested the first time. 

To my complete shock, I GOT DENIED! With the credit score 120 points higher than when I applied for the previous loan, with the perfect 100 % record of paying on time, with the income higher than the previous year, basically, every score higher than it was when I applied the first time in XX/XX/2018, and I got denied, because these predators at the Lending Club don't want to lose their highway robbery interest of 22.75 % they are charging me on the current loan. 

The refinance interest would be 13 %, high, but not as insane as 22.75, but they said the amount I wanted to borrow was too high relative to my earnings, while they gave me a lot more with the income a lot less within 10 minutes back in XX/XX/2018. 

They want me locked into 5 years of the financial slavery where I would be paying more than {$15000.00} in interest instead of 3 yrs 1/3 of the previous amount in interest.

With the refinance I would be paying a basically similar monthly amount, which I was paying until today, and they had absolutely NO problems with me making these payments. They had NO problem whatsoever loaning me much higher amount the first time. 

These are extremely predatory practices that they need to be investigated for!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. Equifax is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( XX/XX/XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I called on multiple occasions to find out what the intrest was. The worker told me that i can find out on their website. I tried to look it up. But I can't. Also I stopped attending prism because of the misleading programs. When I Started we were under the impression I was working towards a XXXX degree, when in fact it's just a certificate. I constantly try to get intouch with someone to help me. I am on a XXXX $ balance payment but my credit keeps going down because of interest. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX 2018, two transactions from XXXX ( {$39.00} ) and XXXX ( XXXX ) were done in error and disputed by me with USAA. A provisional credit was issued and I thought they would investigate to resolve the issue fully. Shortly after, they reversed the credits claiming they needed more information. I provided this information from XXXX and XXXX to no avail. This was the first time I was told that documents were not received through their app portal. Eventually, XXXX reversed the charge, but I'm still waiting on the XXXX transaction, although XXXX sent me an email stating to dispute it with my bank, which I also submitted to USAA. 

In XX/XX/XXXX 2018, funds were debited from my checking account in the amount of {$200.00} for XXXX XXXX. I did not notice this until the following month. Knowing I no longer had an account with XXXX since XX/XX/XXXX2018 and the balance of {$70.00} ( +/- ) was paid off in XX/XX/XXXX 2018, I knew I did not owe them {$200.00}. I contacted USAA once again to resolve this issue after XXXX told me to contact my bank. I was offered the provisional credit only to have them say they need more information. I provided this information by way of XXXX and also did a conference call with XXXX XXXX USAA, which also was rendered fruitless, as USAA did not acknowledge the information provided by XXXX. USAA decided to reverse the provisional credit on XX/XX/XXXX and also charged me {$29.00} for a NSF. Days later, I noticed another {$60.00} charge from XXXX but have not bothered to dispute it because of previous actions from USAA. 

In total, USAA has taken {$320.00} from my account without my consent and has yet to resolve this issue fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
The vehicle was purchased on XX/XX/XXXX. On XX/XX/XXXX i received a call in regards to the late payment and after discussion with the agent, I decided to voluntarily surrender the car. I was given instruction on what steps to follow to do so. On XX/XX/XXXX, I forwarded the email as instructed to the loan representative. I continued to receive harassing phone calls and email from XXXX XXXX. On XX/XX/XXXX, i was informed I could not send a typed email and the request would need to written, in which I then wrote and attached a letter asking that the vehicle be picked up. I continued to receive harassing phone calls and emails during the month of XX/XX/XXXX into XX/XX/XXXX. The vehicle was picked up on XX/XX/XXXX. On XX/XX/XXXX, I received a certified letter stating the car was picked up due to the agreement being broken and it would be sold withing 21 days in which I would receive a letter regarding the balance. This has not happened. I filed a complaint with XXXX on XX/XX/XXXX in which the XXXX XXXX acknowledges it was a XXXX  and that the credit agencies have not been notified, but as of XX/XX/XXXX, the credit bureaus still was not notified of the XXXX  and the account currently reflects 180 days late. I also have not received any notification regarding the sell of the vehicle and corrected balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. XXXX is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( feburary XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,

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 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GREAT LAKES
State: GA

Complaint narrative:
I have received repeated calls over the course of six months from Great Lakes on behalf of my student loans, even after I have requested them to cease and desist. They are violating theTCPA and it is interfering with my mental health. 

I want the collection calls to STOP, and i want to set up a p

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BYL Collection Services
State: AZ

Complaint narrative:
I just became aware about this debt in collections. I had never received a notice that was account with the creditor is in default nor that I had a missing payment. I became aware about this debt through a job that I was recently applying for. They notified me that because this account is in collections and the resulting derogatory marks on your credit score, that they would not be able to hire me until this is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv funding is not willing to delete this off my credit report I have offered to pay but they will not assure me that they will submit a deletion. I have tried today XX/XX/2019 to call them about this debt because I was never sent a certified letter regarding this debt. They never properly notified about this deb I am asking for a deletion off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I WENT TO AN ATM MACHINE ON XX/XX/2019 AND TRIED TO GET {$220.00} AND THE MACHINE DID NOT DISPENSE THE MONEY. I ASKED THE CASHIER IF THEY STILL HAD NOT PUT ANY MONEY IN THE MACHINE SINCE I HAD GONE A DAY PRIOR AND I WAS TOLD IT DIDN'T HAVE ANY MONEY, SHE RESPONDED YES A TECHNICIAN CAME AND PUT MONEY IN IT. I ASSUMED THAT MAYBE I DID SOMETHING WRONG AND I TRIED AGAIN FOR THE {$220.00} AND IT STILL DIDN'T GIVE ME THE MONEY. I MENTIONED TO THE CASHIER THAT IT DIDN'T GIVE ME ANY MONEY SHE TOLD ME THAT SHE BELIEVED THAT THE TECHNICIAN PROBABLY DID SOMETHING WRONG BECAUSE THERE WAS OTHER CUSTOMERS COMPLAINING THEY COULD'NT WITHDRAW MONEY AS WELL. LATER THAT DAY I TRIED TO SEE HOW MUCH MONEY I HAD LEFT IN MY AMERICAN EXPRESS CARD AND I WAS MISSING MONEY, SO WHEN I LOOKED INTO MY TRANSACTION I WAS SEEING THAT IT WAS SHOWING THAT I DEDUCTED TWICE THE {$220.00} WHEN I NEVER GOT MY MONEY DISPENSED FROM THE ATM MACHINE. I CALLED THE ATM COMPANY AND TOLD THEM ABOUT THE PROBLEM THAT THE MONEY WAS NEVER DISPENSED HE ASKED ME FOR THE AMOUNT AND THE LAST FOUR OF MY CREDIT CARD NUMBER, WHEN I PROVIDED HIM WITH THIS INFORMATION HE TOLD ME THAT IN FACT THEY HAD A PROBLEM BUT THAT THE MONEY WAS ALREADY IN REVERSAL THAT I SHOULD RECEIVE MY MONEY IN 24 TO 48 HOURS AND IT NEVER HAPPENED. IN THE MEANTIME I ALSO CALLED THE AMERICAN EXPRESS CARD AND PUT A DISPUTE FOR THE MONEY SO I FAXED THEM THE DISPUTE FORM EXPLAINING ALL THE PROBLEM AND THEY TOLD ME THEY WERE GOING TO INVESTIGATE. I RECEIVED A RESPONSE FROM AMERICAN EXPRESS SUPPOSEDLY THAT THEY MADE THE INVESTIGATION AND THAT SUPPOSEDLY THE ATM PROVIDER CONFIRMED THE FUNDS WERE DISPENSED. I GOT VERY UPSET SO I CALLED THE ATM COMPANY AGAIN AND TOLD THEM WHAT AMERICAN EXPRESS HAD TOLD ME AND THEY SAID THAT NO THAT THE MONEY WAS IN REVERSAL, SO I ASKED THEM TO SEND ME PROOF OF THAT SO I COULD SHOW AMERICAN EXPRESS SO I CAN GET MY MONEY SO WHEN I CALLED AMERICAN EXPRESS THEY WANTED ME TO DO ANOTHER DISPUTE WHICH IS REALLY UPSETTING BECAUSE THEY ARE TAKING ALONG TIME AND I REALLY NEED MY MONEY. I WOULD REALLY APPRECIATE IF YOU CAN ALL HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a vehicle from Sandtander, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with Sandtander and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Today XX/XX/2019 my sister contacted me saying that XXXX XXXX XXXX contacted her for me. I called them immediately after they called the first time. About 3 weeks ago. They know my phone number and address as they sent me statements and called me. I have answered calls with them and told them I was told I didnt have to pay interest on the account and now they are saying I do. I told them to contact me when someone can take the interest off as I was told beforehand I would not pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: ND

Complaint narrative:
I have several student loans that were in default but I have been in a Rehabilitation program for over a year now. XXXX  and XXXX   have updated these accounts and they are now showing 'paid as agreed ' however Experian is still showing these as a collection account. I have disputed this with them but it has not yet been resolved. 
Please look at all my XXXX XXXX XXXX/XXXX loans and you will see that they are all reporting these collection by Experian.

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 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I checked my credit and found the trade line from Midland Funding on behalf of XXXX for {$260.00}. For one, Midland is not licensed to collect debt in the state of Florida. For two, I have tried to contact Midland and XXXX XXXX for debt verification but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I obtained an Amazon Store Card through Synchrony Bank in XX/XX/XXXX. During that time we used the card to purchased high ticketed items during our renovations ( sinks, faucets etc.. ). Recently, we noticed a transaction charge for card security of {$120.00}. I did not know what this was. I called the number on my bill and i was informed that I needed to call the card security service directly. The number was provided on my statement. When i called card security, they were very receptive and explained to me that I have been charged for this service since XX/XX/XXXX. I explained that i was not aware of the service and that I did not sign up for the service. I also asked how this was presented during the application process and if it was represented clearly, i would not have agreed to it. The representative immediately reversed the charges going back to XX/XX/XXXXand it was a little over {$2000.00} credited within a week. She provided me with a case number of XXXX.

I realized that since XX/XX/XXXX i have been paying finance charges to Synchrony Bank for the charges from card security. I contacted Synchrony Bank and explained the situation. I spoke to two representatives who did not understand the over all situation.

Since XX/XX/XXXX, I have been charged financed charges of 27.99 % for this transaction. I explained that this should be reversed. I also explained that I do not challenge the interest rate, but I challenge the finance charged on this transaction that should not have been charged to begin with. 

Operator # XXXX ( XXXX ) could only credit me back 2 months of interest rate charges. I explained to her that i have been charged more. Unfortunately she was not able to calculate the errors nor was she willing to go back and investigate. I clearly explained that their third party vendor made an error and already processed a credit resolution but since they are the creditor, they should be able to go back and investigate the error.

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX  in north carolina. the XXXX XXXX XXXX  was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
My daughter and her boyfriend got an auto loan through XXXX XXXX XXXX. The company call them over every little thing they can create. They are nor have they been late on a payment. 
The problem is whenever they call my daughter, they also call our business cell phone, which we let my daughter use for a reference only. I instructed my wife to track every time they call. Today they called and my wife instructed them to take note and never call this number again. An hour and a half layer they called again because they wanted to get ahold of my daughter and she didn't answer. 
I called the company and asked who their agent for service was. The lady ( XXXX ) had no idea what that was. I explained what it was and she put me on hold for a moment. When she got back on she said the lady 's name I want is XXXX. I asked for a last name and she refused. I asked her name and she told me her first name but refused her last name and hung up on me. 
This is unacceptable behavior and harassment and I will not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I checked my credit and saw the Wells Fargo account for {$96.00}. I called Wells Fargo recovery to take care of the debt owed with a promise to delete the negative trade line from my credit 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 non-monetary relief