vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-28 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: ProCollect, Inc.
State: GA

Complaint narrative:
ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. 
Procollect , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Never had XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Esser, James & Associates
State: CA

Complaint narrative:
My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: PA

Complaint narrative:
I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: LA

Complaint narrative:
My loan was cleared to close and my mortgage company sent me mydisclosuress. I looked everything over, signed them and returned them. 3 days later I get an email with another set of disclosures with about $ XXXX more in loan fees. They claimed I changed the loan terms to cash out and raised ltv. Nothing changed on our end from the original disclosures I signed numerically to the second set they sent with the fees doubled. I was finally told someone made a mistake on the rate lock and I 'm paying for it. I was forced to close the loan as it was for permanent financing and I absolutely had to close. I spoke to an attorney and I was advised to file a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I was a XXXX Employee a couple years ago at XXXX in the XXXX XXXX Illinois XXXX and had a minor on the job injury. I reported it and they sent me to the hospital, XXXX XXXX Hospital in XXXX IL, on company time to get an XXXX. The XXXX came back clean and the diagnosis was a XXXX in the XXXX. I got sent the bill from the hospital and gave it to my HR Representative at my XXXX location. I was assured that the bill was going to be taken care of at that time. A few months later I got another statement from the hospital stating that the bill was not being paid on. Again I gave the statement to my HR representative and was assured it was going to be taken care of in a timely fashion. I had left the company a few months later and continued to receive statements from the hospital. I was put in contact with the corporate HR who put me in touch with their XXXX XXXX XXXX and they told me it would be taken care of as well. A considerable amount of time has past and I am now getting letters from the state of Illinois Collection Agency about the bills not being paid on. I have repeatedly attempted to reach the corporate offices of XXXX company and there has not been any response. I have also tried to reach the people from the XXXX XXXX XXXX that worked with XXXX and found that the first person no longer worked there and the next person and agency is also not returning or answering calls. This is now starting to pin me in an unfortunate place and the company responsible, the company who had told me time and time again it was being handled, and their partners are being highly unprofessional in their communication and ways of handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct 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 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation