vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services
State: CA

Complaint narrative:
I was struggling and requested a forbearance and they gave me one but then reinstated it I asked them to extend it a few more months and they said they would but never did. So now I have missed payments that are affecting my credit=. I asked them to remove it and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.

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 2019-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I got a loan over seven years ago and its gone into collections but I think they keep buying the collection from the original people and are still trying to collect and its been on my Credit report for like seven years at least seven years and Im trying to clear my credit up and I cant because they wont take it off the same companies reporting the debt for {$110.00}. They say the dead is from 2015 but that is not true this debt is from At least 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
just recently checked my credit report and found out that this collection agency reported me to the credit agency. I have spoken with this agency representative on the phone and they threaten me with legal action for the bills I do not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with Sallie Mae, XXXX, XXXX  XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to Navient that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX  payment due to my income based repayment plan. Seriously if Navient the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
CHASE BANK HAS NOT BEEN EXPLICIT IN EXPEDITING MY COMPLAINTS ABOUT CHARGES BEEN APPLIED TO OUR BANK ACCOUNT INCORRECTLY, AS I DISPUTES TO THEM WHAT ARE THEY FOR AND WHAT NOT. ACCORDING TO INFORMATIONS I'VE RECEIVED FROM THE CHASE BANK TO DAY! IT DOESN'T HELP BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO OUR BANK ACCOUNT DISHONESTLY. THE DISCRIPTION SENT TO ME TODAY : XX/XX/XXXX WITH AMOUNT DOESN'T MAKE ANY SENSE. BECAUSE, I DON'T KNOW WERE THESE MONIES HAVE GONE TO : THAT I'M NOT SEEN IT IN MY STATEMENT BEEN DEPOSITED BACK TO MY ACCOUNT, ARIGHT SHOWN FROM THEIR REPORTS, AND REPLY TO MY DISPUTES. I AM SINCERELY CONCERNED ABOUT CONSTERNATIOIN ACTIVITY MIGHT LEAD THE WAY TOWARD CONCEALEMNTAGAINST ME AND MY WIFE. DUE TO OUR AGING ELDERLY STANDARD. THANKS FOR ANY HELP GIVEN TO RELE GATE THIS FINANCIAL MATTER WITH CHASE BANK IT HAPPENED FROM XX/XX/XXXX & XX/XX/XXXX WITH XXXX XXXX WHEN WE WERE TRAVELING TO XXXX, HAWAII FOR MY SISTER 'S FUNERAL THEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XXXX of 2018 Navient agreed to a rate reduction program. Come to find out it was " processed incorrectly '' Went thru the footwork again in XXXX of 2018 for the rate reduction program. Have since received numerous notices about delinquencies while they were automatically withdrawing payments from the checking account. Each time customer service was called, no one knew anything about the rate reduction program. Part of the rate reduction program says it would take effect after 3 consecutive payments. Because the program wasn't processed correctly originally, the first payment didn't count. They did an automatic withdrawal for XXXX and XX/XX/2018. They did not automatically withdraw XXXX 's payment and then came looking for payment as if to purposely force a default on the loan, so they wouldn't have to keep up their end of the deal. They have also put thru a forbearance, that was never asked for or applied for, and have not reduced the rates as promised. Every phone correspondence I have gotten the runaround and harrassed about paying more money. Every agent I have spoken with says " Well I don't know what the last person said or did, so I can't help you. '' The loan has continued to accrue late fees eve though I have kept up with my end of the agreement. I believe I have been misled, lied to, and taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a business credit card from Wells Fargo. They had promotion XXXX cash back after XXXX spending in 3 months. I finished their requirement, and called their customer service many times about XXXX cash back. They said everything ok they will pay me XXXX end of the third months billing cycle. I wait for long time to call them after the 3rd months billing cycle. They changed story, told me I have 2 cards. I did not finish requirement. They cant pay me XXXX cash back. What happened? I am business credit card I just add employees card for my accounts. And I called them many times, they said ok for the requirement. They promised me the XXXX cash back bonus. They should honor it. Not just change story doesnt pay their loyalty customer.

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 monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I received my new Synchrony Bank XXXX XXXX Credit Card in the mail. With the card came the terms and conditions that said my credit card interest rate was, as I had seen at time of application, was 24.90 %. I then got a letter a few days later that said my interest rate was not the best rate they offered and that by law my credit score was used in reviewing my application. It stated my credit score was XXXX. I was then instructed to all if I had questions. I called and asked them to explain what was the cut off for the best credit score and what was my credit card interest rate. The rep and the supervisor I spoke to " XXXX '' could not explain this to me and said they do not know what the score cut offs are. XXXX then told me my credit card interest rate was 25.15 % which is 25 basis points higher. I asked them how they could increase my interest rate on my card from application on XX/XX/XXXX. It has not been 12 months and the introductory promotional rate must be honored for at least 6 months. XXXX said they did not have to follow that law at Synchrony and she said she did not know what other credit card companies do, but at Synchrony, the interest changed on XX/XX/XXXX and so did my credit card interest rate. I tried to tell her about the Credit Card Act of 2009, and tried to explain to her the points below, but she would not listen. She said I had to write to Synchrony and there was nothing else she could do about it.

Interest Rate Increases : Credit card issuers can not increase interest rates within the first 12 months of the account being opened ( unless consumer makes late payments ). 
Introductory promotional rates must remain in effect for at least 6 months ( great news for people who take advantage of 0 % Balance Transfers ). 
Credit card issuers will not be able to raise an interest rate on an existing balance unless the cardholder goes 60 days past due on the account. 
Increased interest rates only apply to new charges and can not be made retroactively. 
No universal default clauses.

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 2019-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The transaction of {$210.00} ( XXXX Euros ) was made in error and paypal was notified immediately of the error. Two duplicate transaction was made for the same amount for photography services on XX/XX/2018. However, one of the payments were made in error because they were not the correct merchant to provide those services. I attempted multiple times to resolve this issue with paypal over the phone and kept having my claim denied. I was in direct contact with the merchant and was told by the merchant to cancel the transaction because I did not use the correct email address. I explained this multiple times to PayPal and they kept denying my claim and they told me it was my fault for sending money to the wrong person and I authorized the transaction in question. I have email copies from the merchant saying to cancel the unauthorized transaction to the wrong individual. I have been trying since last year to resolve this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a zero payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.

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 2019-02-02 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: CA

Complaint narrative:
XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.

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

Complaint narrative:
XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, SC XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.

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 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX  did not provide the promised instruction or service. 
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. 
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. 
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX company receives my monthly social security payments, and are suppose to have it available monthly on my card. Well, a month ago, someone made an unauthorized purchase in the XXXX XXXX on my XXXX XXXX for {$800.00}. I filed a dispute claim, I live in XXXX Pennsylvania. After, about 15 days or so the XXXX XXXX company put the {$800.00} from the unauthorized transaction back onto my XXXXXXXX XXXX. Now, I was expecting my social security payment for today XX/XX/2019 Only to find out that XXXX was deposited by the social security administration to my XXXX XXXX Account, but that the XXXX company deducted the {$900.00}. Dollars because they said that the XXXX dispute on the prior claim on the XXXX XXXX purchase was not finalized. So, they took my social security XXXX payment because of that. I never been to the XXXX XXXX, I live in XXXX Pennsylvania. I dont buy any products online. The {$800.00} purchase made was unauthorized. And this XXXX XXXX  company is not only penalizing me for that unauthorized purchase, but, fraudulently, advance me back my own money, and then the following month of XXXX XX/XX/2019 deducted {$900.00} from my social security again on this fraud purchase made by someone other than myself. They have put me in a vulnerable financial situation in paying my living expenses over the last few months because of their unethical business practices. They have showed not concern for me or providing immediate resolutions to these issues and problems concerning my account. I have been backed up in paying my bills and because of them have experience more health issues. Their telling me, that it takes 180 days on a claim dispute issue, to finalize even tho I live here in the United States and the unauthorized purchase was made in the XXXX XXXX, which I have never been too. Then, they put the money on the card and take it out of my followings social security payment as if they given me a loan on my own money, that they owe me. The {$800.00} and this month of XXXX, {$900.00} They have taken from me via my social security payments. They are giving me nothing but a hard time with retifiying this situation. So, today I have filed several complaints against this company for shady unethical business practices. And I want all my hard earned money return to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: WA

Complaint narrative:
At the end of XXXX, XXXX processed the sale of 2 tickets to a music concert. The person who attempted to sell them, my daughter who is a minor, did not have the authority to do so. 

I immediately contacted XXXX, who reversed the XXXX transfer ( I will attach copies of this transaction ), shut down the account, and informed me that all charges were waived. 

Recently I received a message from a debt collector, True Accord, attempting to collect this money that was waved in XXXX by a XXXX employee. so disputed this, which they then rejected. 

Today I contacted XXXX about this. They admit to having a copy of the phone conversation in which these charges were waived. My request for them to review this phone call was denied. I then asked to have a copy of the phone call myself, which they then declined. 

So, this company has proof that I dont owe them money, wont review it, and also wont share it with me, the person being recorded. I asked to speak with someone higher up, and was denied. I asked to speak to their fraud department, which was also denied. What am I supposed to do here?

Company response to consumer: Closed with explanation