vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I graduated in XX/XX/XXXX. After my graduation, I was given the 6 months grace period, but I was apart of an XXXX program, so my loans were put into forbearance. Because of this I have used up all of my forbearance time. I was out of work from XX/XX/XXXX to XX/XX/XXXX. They were not willing to work with me then. I had no choice but to put my loans back in forbearance, month after month. My monthly obligation to XXXX/Navient is about {$1400.00}. I currently receive $ XXXX monthly after taxes from my job. XXXX/Navient has not been willing to work with me. They have been more concerned about getting the full amount and will not accept a portion that I can afford. I do not have a problem with paying XXXX/Navient. What I do have a problem with is them not willing to work with me and not being understanding of my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: OH

Complaint narrative:
a business called virtuoso sourcing group, llc is contact us regarding a disputed XXXX bill. they have called every day for the past XXXX weeks. we have made repeated requests to stop calling and all they say is they do n't have to stop. they often call more than once a day. 

we have advised we dispute the bill and will not pay and dont call yet they persist

Company response to consumer: Closed
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Here 's my Chase Bank story. I was reconciling my checking account when I noticed a discrepancy of more than two hundred dollars. I checked the account history and noticed a check, # XXXX, was cashed for XXXX dollars right before the end of the year. What tipped me off to this check was the number. I 'm on check # XXXX now. I do n't right that many checks. This was a check written over 5 years ago to a XXXX tutor for my son. The tutor misplaced the check and requested we send another with my son next time which we did. We still have the e-mail requesting the replacement check. I have had no contact with this person since. When I approached Chase with this issue they assured me the money would be put back in my account that day. It was n't. I contacted Chase the next day and they said they were putting their claims department on it and it might take two days to get the money back in my account. I was contacted by Chase and asked if anyone contacted me regarding the validity of a five year old check and I replied no. The money was put back in the account and I was informed it was still under investigation and the money could be taken back. I asked that they do not take any money out of my account without my knowledge. They took the money back out. I am so done with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
After receiving several threatening phone calls from XXXX, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( XXXX XXXX XXXX and CitiBank ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I set up a payment with Comenity Bank/XXXX for a payment to be deducted from my account in early XX/XX/XXXX for {$400.00} to be paid on XX/XX/XXXX. I noted a few days ago that the payment had not been deducted from my XXXX account. I checked back with the Comenity Bank web site and noted that I was now past due. I will be charged {$37.00} for a late fee as a result. {$37.00} is an exorbitant fee for a late payment. I spoke to a CSR and they said they could not remove the fee since I had already had one removed in the past 18 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: KS

Complaint narrative:
I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I receive telephone calls from XXXX Harassing me about an account XXXX I have never done business with them. They Claim Washington Mutual Bank was the seller when was this and for how much? They state that I owe them XXXX.
This is false Washington Mutual was more than 8 years ago for less than XXXX while I was sick. SOL had been up for many many years and these people continue to damage my credit.
They should be fined for harassment calling, false reporting, harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir or Madam, Copied is a letter I wrote to Chase VISA Merchant Disputes Division who claim the charges are valid. If this does not get resolved I will consider suing them and the company that fraudulently took money from me because I gave them permission to and signed these stupid contracts with them. 
The following is a recent letter I mailed to the Merchant Disputes. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Merchant Disputes XXXX, XXXX XXXX RE : XXXX ( My account ending in XXXX ) Dear Sir or Madam : I recently received a letter from you and I dispute your decision. For the following reasons. In my opinion XXXX, also known as XXXX is a scam. These people are telemarketers that are very skilled and professional at what they do. They have fraudulently charged for services, that they refer to as packages, that were not rendered. 
All but the XXXX were completed. The rest of the packages that I paid for were not. I deserve to be at least refunded for the services that were not provided to me by this company. XXXX does not cost anywhere near the amount that they charged on my credit card. They charged a total of {$14000.00} on this credit card and I got absolutely nothing for it. They charged my credit card and promised that my XXXX would be in XXXX, that I would get an interview with XXXX, that it would be XXXX and put on the XXXX XXXX and XXXX across the states. They also promised that my XXXX would be reviewed in the XXXX, sold online, and that I would get 100 % of the XXXX. Well I got no completed XXXX, nothing. I demand that I get refunded at least {$12000.00} of this money!! They can keep the rest. I was robbed. It is unjust and unfair. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX.  This includes closed accounts, or any account associated with a closed account.  I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX.  I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble.  My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc.  While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records.  The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Machol & Johannes, LLC
State: WY

Complaint narrative:
I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: U.S. Collections West, Inc.
State: GA

Complaint narrative:
I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help
State: NJ

Complaint narrative:
I have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the information for accounts that were opened in my name  by someone who stole my identity.   You guys had removed the XXXX accounts for XXXX and reinserted them..  I will say this again.. Again.. And again..  I have never lived in New Mexico and I never went to the doctor in XXXX NM.  I have filed an identity theft report with the FTC and with the XXXX NM polcie Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I attempted to receive my free copy of my Equifax credit report via XXXX. I was prompted to submit additional information via regular mail in order to receive the report. I called the number to speak with a live agent ( XXXX ) XXXX. Once I got a live representative she was unable to provide me with my report as well even though I provided her with all of my identification information. I would like to pay a medical collection that is reporting only with Equifax. I want more information about the clinic/ collection company whom I can pay.

Company response to consumer: Closed with non-monetary relief