vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out XXXX XXXX student loans while in college ( I graduated XX/XX/XXXX! ) ... Since then, XXXX XXXX had sold my loan ( I do n't know how many times, but as recent as XX/XX/XXXX! ) but when they do that.. my loan seems to start all over again ( so I can not find out what the actual origin date of the loan really is ). Then XXXX XXXX became Navient ( maybe in XX/XX/XXXX? ). 
As a Single Mom, I did not have a job right out of college so I had to defer and forebear the loan a few times.. however, most of the years since I took the loan ( s ) out, I 've been paying on this loan. The original loan was aproximately $ XXXX, and was set up as a graduated loan.. so about a year or so ago, it jumped up to almost {$400.00} a month. I ca n't afford that so, even though I pay every month, I do not pay the full amount required. I calculated that in the past 10 yrs ( of this 23+yr loan ) I 've paid over $ XXXX and my current balance is now {$40000.00} with {$2300.00} past due : - ( I can never pay this off.. ever! : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: MD

Complaint narrative:
NetspendXXXX XXXXMy card was hacked a year ago during a breach with XXXX XXXX. Netspend notified me and sent me a new card and my old card was supposed to be cancelled. I noticed on two different occasions that the card was still active so I called customer service and attempted to speak to the customer service. I say attempt because the only english they seem to speak is what is written on their script but they assured me the card would be cancelled. Well here we are a year later and the card that was supposedly cancelled got used in XXXX about 7 times within 15 min and took {$600.00}. I immediately called when I got the text alerts ( the charges started at XXXX and I called at XXXX same day ) and told them not to approve the transactions which were still pending. Again the lack of understanding english was a huge barrier and three different customer service reps told me different things. I finally got someone from corporate to call me back three days later and she stated since this was clearly their fault my money would be credited by the end of business. Here we are and no money. I am unable to talk to the corporate office again they told me they cant transfer me, my money is no longer pending but paid to the company in XXXX, and now they are telling me it can take up to 60 days to see my money because it was posted I had to file a written dispute that must be investigated. They admitted to me that this card was part of the security breach and should have been cancelled but there was nothing they can do to help me and they refuse to transfer me to corporate again. This is outrageous, never have I had such difficulty when a company clearly dropped the ball. Now my mortgage is going to be late and I have no idea when I will see my money. They refuse to allow me to speak to an American or give me the corporate number. Total I have spent over 5 hours on the phone and all I get is some foreigner reading off a script. They will not give me their names either when I speak to them! I am wondering if I should contact an attorney.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.

Company response to consumer: Closed
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Cheryl A. Warzynski PLLC
State: AZ

Complaint narrative:
I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ. 

During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise. 

After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation. 

Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ). 

I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I had originally had XXXX Federal student loans. XXXX was handled by Navient and the other was handled by XXXX. I received a flyer in the mail stating that I can consolidate my Federal student loans with a lower interest rate. I carefully read the flyer to make sure there were n't any secret information included in the small print. Once I determined that I could definitely consolidate my student loans, I moved forward with applying. I then found, after I was approved, that the new loan was being handled by Navient and it had changed from a Federal student loan to a Non-Federal Private student loan. I felt like I had been misguided and trapped into a new private loan. I did not have a job to start paying on my loans and had to pay {$50.00} to defer my payment. I was also informed that I would only be able to defer my payment 3 times for the lifetime of the loans, paying a {$50.00} fee each time I deferred. I asked if there were options for me to lower my payments, and was told I had exceeded all of my options and was no longer eligible for any type of repayment plan. 

I really felt as though I was being set up for failure. As my interest rate had doubled my loan amount, I am still unable to repay my loan. I feel that I was lied to and tricked into changing my loan type from Federal to Private without any indication that this would be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: KY

Complaint narrative:
I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
To Whom it may concern on XX/XX/2016 I made a police report and FTC Affidavit and some documents supporting my claim explaining the Identity Theft that occurred on my credit report. All companies followed the law and removed the Fraudulent accounts from my credit report except Grant Mercantile Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brent D. Stamps, Attorney at Law
State: MD

Complaint narrative:
I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oxford Law, LLC
State: VA

Complaint narrative:
I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I had a XXXX debt, they did not send me anything and did not call me, they called my son, told him the amount of the debt and the date of service. He told them to call me. And when i called back, they did have my phone number and address. They must have just got the debt, i assume because they did not try to contact me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: North Shore Agency, LLC
State: NY

Complaint narrative:
XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collections Acquisition Company, Inc.
State: GA

Complaint narrative:
they refused to provide the address and contact information of the original creditor, just the XXXX and no other info ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase has royally messed up. I signed up for Auto-pay at the initiation of my Auto Loan and I was given a slightly reduced APR because I was enrolled auto-pay. Apparently, Chase calls this program " Paymatics ; '' however, they never used that terminology in the loan origination documents. I signed up for Auto-pay, not " Paymatics. '' With Paymatics, Chase wo n't generate billing statements. How is this even legal? When I signed up for Autopay ; I did not waive my right to a monthly statement. I attempted to resolve this matter with the bank, and nobody seems to care. I spoke with a XXXX XXXX who claimed that they do not staff supervisors on the weekend. Being one of the largest banks - if not, THE largest Bank ... how can there not be a Supervisor available?? XXXX transferred me to some other representative, who stated that they are de-enrolling me from " Paymatics '' but Ill still be enrolled in Auto Pay .... She said that since im no longer enrolled in Paymatics, Ill recieve monthly billing statements going forward ... and that Chase will generate monthly billing statements for the previous months that I 've had the loan. I doubt any of these statements are true.. And I did n't want to discontinue my auto-pay because I am no longer elligible for monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.

Company response to consumer: Closed
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
This collector is reporting a debt that I have no knowledge of to the credit reporting agencies ; I have disputed the debt, first with the credit reporting agencies and then have sent this collector a request for proof of the debt via a validation letter submitted under the FDCPA, both with no response other than continued reporting of the account to the credit reporting agencies. The account did drop off of XXXX, however is still reporting on XXXX. I have attached the validation letter, sent on XXXX/XXXX/16, to which they did not respond. Per FTC Opinion letter, the reporting of a debt to a credit reporting agency is a collection activity, therefore this collector has violated the FDCPA by continuing to collect on an account after receiving a validation demand but before providing the requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The bill is not my responsiblity which i have stated once before it is in my brothers name due to he is the patient i am not resposible in any way shape or am not paying on it

Company response to consumer: Closed with explanation