vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. 

Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. 

These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Global Recovery Group
State: IL

Complaint narrative:
Amount was included in my bankructy

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I called Chase Bank to cancel my Chase United Mileage Plus credit card. They had just applied the {$95.00} annual feel for 2017 to my bill. I had n't used the card in some time so i canceled the card. I asked for a pro-rated refund of my annual fee but both the customer service agent and their supervisor refused to do so. So Chase is keeping my annual fee for a card which has been canceled. When I have canceled cards from other credit card companies, I have always received a pro-rated refund. Unfortunately, Chase chooses to have a different level of customer service which makes it a bank I will choose not to do business with in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I had a collection filed on me for a loss of the car it says that it was charged off years ago but it showed back up as collection.

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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: MD

Complaint narrative:
American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I have been contacted by mail from XXXX representing National Collegiate Student Loan Trust on XX/XX/XXXX. They are asking for balances of {$26000.00}. This is the same company that tried to collect from us back in XX/XX/XXXX. These are loans obtained while attending school. Not student loans. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. According to a letter sent to us and a phone conversation from XXXX XXXX regarding these loans I nor my husband XXXX XXXX owe anything to NCSLT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RWLS Mortgage LLC
State: GA

Complaint narrative:
RWLS XXXX LLC bought my mortgage from XXXX maybe XXXX or XXXX Companies ago. XXXX XXXX Mortgage was working on a modification of the loan and a reduction in principle. The problem with the proposial was it required a large down payment it was suggested a smaller down payment with different terms. The property was set for sale XXXX XXXX 2015 and in the XXXX they stated that that RWLS would not approve any modification and the property would be sold. I later received another assignment of transfer to XXXX XXXX mortgage company and in mid XXXX I received a statement from them the reenstatement amount was XXXX and the date to pay had passed and no other representative would discuss the matter. On XXXX XXXX 2015 I received a 3 Day notice to vacate the premises from XXXX XXXX XXXX still listing RWLS as the Lein holder. I am not an attorney but something is not right. I believe there is a process and dont believe it is being handled correctly

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: GA

Complaint narrative:
I am not able to make my payments. My interest rates keep going up, which causes my payments to keep going up, even though I have contacted AES ( American Education Services ) multiple times over the years that I can not afford the payments. I have literally been told that I have to just make the payments " or else. '' Even if I paid 100 % of my paychecks I would not be able to catch up on past due payments as there would be less than {$100.00} left at the end of the month after making the base payments. Their website, depending on if I log onto their mobile version or the desktop version, will show me two different total amounts due for the month. One will show the past due amount, which is the mobile, and one just shows the two monthly payments combined and nothing else. I have emailed them at least twice about this issue, and have not gotten a reply to the second email, but on the first time trying to report the issue they stated that I should just know how much to pay even if the website is n't showing me a correct amount. I have been told, repeatedly, I do n't qualify for any assistance in payments. They used to have a 3rd party called XXXX XXXX try to help for people who are behind, but they are no longer communicating with them so I can no longer get assistance that way. My cosigner, who is my dad, can not help me make payments. His job is at risk because I can not afford my payments. When I contacted AES on XX/XX/XXXX, the associate stated my interest rates were ridiculous, and because XXXX, the company that owns XXXX XXXX XXXX, has been found guilty of fraud in a Federal court, she told me to try to go through the fraud process with my loans as I have not been able to use my degree for anything other than clutter. Realistically, I do n't think my loans will be forgiven, even though the company was found guilty of fraud, especially since AES, going by XXXX rules, is n't able to help me even have lower payments to where I can afford to pay for an apartment/gas/food.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Account Services Group, LLC.
State: NM

Complaint narrative:
Man 's voice, no name. Said was " XXXX '' and that failure to respond would result in legal action. Did not identify any account that they are collecting for. Called 3 times in 5 minutes. Their number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I was accepted into the PSLF program, had my loans transfered to FedLoan Servicing, and was eventually told that the last 10 years of payments I made while working for a qualified organization would n't count. I was told my repayment plan ( Extended ) was n't one of the ones on the list. That makes no sense! The program was described as being income contingent when I signed up for it but according to PSLF ( as administered by FedLoan ) the repayment plan did n't count. Someone needs to explain to me how the Extended plan is n't income contingent. The purpose of the plan is to ease the strain on borrowers ' finances ( versus Standard repayment ). At no time in the last 10 years of my repayment did anyone tell me not to proceed with my application or promote PSLF options that would have benefited me. I want my loans forgiven. I did my part and made 10 years of payments while working for a qualifying organization while under a repayment plan that was based on my income at the time of payment enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
portfolio recovry is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and XXXX that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask XXXX XXXX but XXXX XXXX is not the ones reporting it they are. what they are doing is illegal and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc.
State: FL

Complaint narrative:
This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation

Company response to consumer: Untimely response
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Solidus Group LLC.
State: CA

Complaint narrative:
They claimed that a loan was taken out in my name and social security number. The alleged debt was from 2012. I disputed this as not my debt. When I requested that they mail to me documentation on the validity of the debt, they said that they already did. They had an old address. When I offered to give them my current address, they still refused saying that they will take us to court. This is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
They are calling me at work, which is not allowed, literally every 15 minutes. 

They are also calling my cell phone every 15 minutes as well ( right before they call my office )

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 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Dealer Funding, LLC
State: GA

Complaint narrative:
I Had accident the XXXX denied my claim but I was tryna arranged payments with dealer they close yo account has repossession

Company response to consumer: Untimely response
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Cobalt Mortgage
State: WA

Complaint narrative:
I applied for an FHA Loan through XXXX XXXX a licensed mortgage professional in Washington state with Cobalt Mortgage. He kept on sending me emails asking me the same questions over and over again. He kept asking me if I wanted an FHA loan over and over again. Finally, after two months, he told me that he cancelled the application that I had completed without my knowledge or consent. He told me that it was the law and that he had to cancel my application. When I wrote an email and asked him which law he was referring to, he could n't tell me what law it was. I think he was just making it all up. He should not be lying to his clients. People trust him to handle the applications completed on his website. He should not be leading people to believe something when it 's not true.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Worldwide Recovery LLC
State: CA

Complaint narrative:
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I had an auto loan that was disputed after a wreck due to multiple departments of USAA telling me different things. I had asked for GAP when I purchased the car but USAA informed me the box must have been unchecked and since I did not pay for GAP I had to satisfy the balance. This information of not having GAP insurance was not provided to me until months after totaling the vehicle. Until that time I asked if I needed to make a payment or wait for GAP to go into effect. I asked how long it would take and if there was anything else I needed to do, and was told multiple times that GAP can take awhile and the XXXX departments are not allowed to communicate with each other. Once I was informed I did not have GAP the claim went into dispute. USAA and I reached and agreement that once the outstanding balance was paid they would update my credit as my only concern was repairing my credit, because once I found out I did not have GAP my credit was already damaged. Below is part of the email sent on XX/XX/XXXX that outlined the outstanding balance and update to the credit bureau. 

Per your request, I did reach out to the Member Debt Solutions department of USAA Federal Savings Bank. USAA individual from Member Debt Solutions ( name removed ) confirmed that an outstanding balance on the auto loan does remain. She advised that once the outstanding balance is resolved, they will update the credit bureau report. 

This outstanding balance was satisfied on XX/XX/XXXX. A credit report was recently done as I am trying to buy a house. The full balance from USAA still shows as unpaid as of XX/XX/XXXX, I have contacted USAA who could tell me that the balance has been paid, but was unable to comment about why an outstanding balance for the auto loan is still showing up on my credit nearly three months later. I do not understand why this has not been resolved as we agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo has charged me excessive overdraft fees in relation to a already posted debit card purchase for {$7.00} and charged me a overdraft fee for withdrawing {$40.00} from my checking account and I knew I was overdrawn by {$33.00} by my own fault. 
I spoke to customer service and they reduced the fees somewhat to a lesser value {$48.00} vs {$100.00}. 
But I believe in the past history of wells Fargo charging excessive fees, all overdraft fees should be erased and a apology should be issued.

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