vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have been dealing with XXXX XXXX XXXX as my student loan provider for several years now. I went with XXXX XXXX as I did not feel I had a choice. My issues with them first started in my senior year of college, spring of 2017. XXXX XXXX repeatedly called and demanded I begin to pay back one of my loans, despite the fact that I was still in school. I explained this was not possible due to that fact, and that I had chosen deferment until after graduation for all my loans. XXXX XXXX claimed I did not, and continued to harass me. They stated there was 1 loan, out of 5, that I had selected to pay while in my last semester. I told them that was a mistake, and that it didn't make sense given my other loans would not be touched until after graduation. They refused to work with me, and the loan started to build interest. After graduation, I began to pay as I could. I started working, but not a well paying job. I have made {$35000.00} a year since graduation in upstate New York. I still live at home with my parents due to this. Since graduation, XXXX XXXX has been nothing but uncooperative. They have raised the interest rates on each of my loans over 2.5 % over the past 18 months, and have set payment at 60 % of my monthly income. They demanded I pay {$1200.00} a month, despite the fact I only made {$2000.00} after taxes. This did not include the fact that I live an hour away from where I work ( 40 miles ) and was often stuck working weekends with no extra pay,  therefore gas costs also piled up along with my monthly car payment of {$400.00}. I have repeatedly asked XXXX XXXX to work with me, and they have refused. It has reached a near crisis point several times, with me falling into delinquency and them repeatedly asking me to pay more than I even make at that point ( i.e. asking me to pay all {$3500.00} I owe at once ). It reached its worst point yet this month when I learned I was losing my job at the end of the month. I called and requested to work with XXXX XXXX, when I told them I was losing my job on XX/XX/XXXX they said " how will you continue to pay us? '' and " why are you calling if not to make a payment? '' They did not offer to work with me. This is reaching a crisis point, I do not want my debt to continue to pile up. I have paid at least something just about every month, but I can not afford {$1200.00} a month plus rising interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/18, I opened a Capital One Money Market Savings account that had a bonus offer of XXXX after depositing a total of XXXX by XXXX XXXX.  I made 4 seperate deposits of : XXXX, XXXX, XXXX, XXXX, by XXXX XXXX.  The terms stated that the bonus would be posted by 60 days after the XXXX total had been met, and the bonus still has not been posted. When i contacted capital one, I was told the the XXXX had to be deposited at one time, which is not stated at all in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: TN

Complaint narrative:
I attempted to pay my mortgage ( as always ) on or before the first business day of the month via the XXXX website. When I was not able to do so, I called. They informed me that my loan servicing ( no word on whether the loan itself ) was transferred to XXXX XXXX. 

The problem is, they did not provide adequate notice. The representative said they mailed the notice on XXXX the XXXX. The effective date of the transfer is XX/XX/2018. Even if applying the " Mailbox Rule '', that does not provide 15 days notice. Also note, that they never provided email or other electronic notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
I use XXXX XXXXs debit card to receive my Social Security XXXX benefits. 
Today I found my money is being taking by somebody else in severals ATM transactions since the money was deposited on XX/XX/2018. 
I have tried to contact the XXXX  XXXX costumer service all day and is being impossible. 
I also tried to use the " option '' of reporting theft, lost or stolen card from the menu by pressing a key but the system ignores that and keep sending me back to principal menu. 
I went Online and read the " reviews '' and complaints written by many other costumers who described exactly what just happened to me. 
I do believe there has to be something very wrong about this company. It just feels like if they were " working with the scammers ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The fifth third bank did fraudulent claims/ chargers on my account. They won't release my money. I called to see why I had an ATM charge on my account they said no one did it that charge we did that. I called them XX/XX/XXXX and they said no one took they money we did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LendUp Loans LLC
State: CA

Complaint narrative:
Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Starting XX/XX/XXXX through XX/XX/XXXX hackers broke into my Chase Business Checking account and began making online purchases and funds transfers. On Saturday, they tried to make charges on my debit cards. Chase Fraud alerts caught and stopped them. Later, they started transfers from Chase Quickpay from 4 of my 5 Chase accounts in small increments ranging from {$50.00} to {$1000.00} attempting to take out over {$6000.00}. I have filed a claim with Chase. My cards, phone and computer were in my posession the entire time.

I have filed a police report and a claim with the bank. My main complaint is about the lack of response of the bank and their failure to communicate internally to their staff or to customers about the risks. After going online, I see that thefts like this are very common. Yet, Chase delayed 2 days after notification to file a report, and did not train bank staff on how to handle these claims. They froze my accounts to protect the assets, but talked about sending a letter through the mail in several business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit profile continues to show that I am 90-119 days late on my XXXX XXXX XXXX account. The amount is {$73.00}. However, I paid the card off over two months ago. I paid it off before it was 30 days late ; however, the company is continuing to report that it is not paid. When I log into XXXX XXXX XXXX website, the balance continues to say XXXX. I have written a letter and mailed it to the company. I paid to have the letter certified, so that I know someone at the company received it. However, the account is still being reported as late. They have not updated the information.

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 2018-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PCS Receivables Corp.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Prime Acceptance Corporation. I requested a validation on XX/XX/2018 and again on XX/XX/2018 as I had not received any correspondence from creditor to validate this delinquent account as factual. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and has not been updated to reflect my dispute of this account. I do not believe that this account nor the amount stated as owed is factual and this account continues to negatively affect me.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Certain remarks were not properly verified or confirmed negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I purchase the three items from XXXX XXXX in XX/XX/2017. When the items came to my house and was not please with the items. So I packed them up and paid for the shipping for the 3rd item Total {$16.00}. Next they send me a bill for {$39.00} I called the company and ask them what the charge was for, knowing that she received the items. She said the charge was for restocking fees. 
I said to the lady that's crazy I won't pay for an item that I don't have. 

A year later I get the attached letter from the Collection Agency saying I owe them {$82.00} This is on my credit report and should be removed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
I called XXXX XXXX who is issued by XXXX XXXX, transactions that I did not do/ they were all international charges. The agent gave me the run around stating that they can not issue a instant credit right away. Also there is no number to contact fraud Dept, all of this  may take up to 90 days to resolve which is child support money that I need for my child pls feel free to contact at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Certain remarks were not properly verified or confirmed negatively impacting my credit score.

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 2018-12-03 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: Innovis
State: AZ

Complaint narrative:
To the best of my knowledge I did not authorize the following hard inquiries : - XXXX  XXXX Inquiry from XX/XX/2018 No institution information - XXXX XXXX Inquiry from XX/XX/2018 Institution Information XXXX   XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I sent a dispute letter to Equifax requesting that they validate information for the following items : XXXX XXXX and XXXX XXXX XXXX from a medical office that is reporting an unknown debt to their credit bureau. As a response to my request, Equifax have sent me letters stating that the information they are receiving from the above mentioned companies are accurate without providing proof in which I have asked for. I have also warned them as well as the credit bureau that this is a result in HIPPA violation and can result in me suing them due to releasing of unauthorize medical information. I have made attempts to reached out to both companies that are reporting the information, but have not receive a successful response. I took it upon myself to go to the location of the medical hospital that works with the two companies to ask for my signed release form to verify if I signed any paperwork that would okay them to release my information to a third party company such as a credit bureau. Unfortunately, the documents that are provided with this complaint does not state or show a signature of me agreeing to release anything dealing with my medical information or records to any third party company. This is a complete violation of HIPPA and Equifax has to remove this information from my credit report or I will be proceeding with this issue in a legal matter resulting in suing their company. Please find enclosed a copy of the certified mail receipt of the letter sent on XXXX to Equifax as well as for XXXX XXXX and XXXX XXXX. I also have enclosed a copy of the HIPPA release form that does not state it to be okay to release any information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover.

I've called Discover twice and messaged them twice, and they won't do anything. 

I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. 

I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted.

I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. 

These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
These are two debts that I do not know or can not confirm were mine. it has been approximately 10 to 12 years ago. I was divorced approximately 12 years ago and any accounts at that time were settled or agreed to a payment plan for our dissolved business and personal accounts. Now this company whom said they served papers to me but did not.. ( it is possible they served them to my son of the same name ) The debts are # 1 ) XXXX credit card # 2 ) XXXX XXXX or XXXX XXXX  ... this debt is not mine. Or at least I have no recollection or proof of it. Now the collection company said they served me papers and have an old judgment ... they have attached my bank account for $ 2800+ For a debt that they say is over {$15000.00}. it is again very old and the other one is also very old there is no proof that these accounts are mine ... the company has not sent me any proof original signatures etc. they are only relying on they have a judgment that was granted to them. I believe with improper or illegal service of court papers. I do have a XXXX card and it is on my credit and I have made every payment as agreed this is an additional card that was close at the time of my divorce. I do not believe I owed two XXXX cards..I would like this company to remove both of these debts because their collection practices are being handled improperly. At first they scared me and I wasnt sure what to do ... I am confident now after speaking with the CFPB and the FTC they should be removed and collection attempts should stop as well as the company should reimburse any funds garnished/attached 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 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have this company this is repeatedly calling about a debt that I am unaware of. The call back to back, from out of state numbers then they call from local numbers. They leave constant illegal messages stating they are with either an attorney or the escalation supervisor and I have the same day to call before they will pursue the matter. I know this is in violation of the FDCPA and they can not threaten to sue via voicemail or unless they actually have intentions on suing. I have several messages on my phone still with them violating my rights. They have even falsely placed on my credit report that previously I had made payment arrangements thru my payroll at a job. All of this information is inaccurately being reported and I am being harrassed at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.

Company response to consumer: Closed with explanation