vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I pursued a XXXX  degree in XXXX  and graduated on XX/XX/XXXX with my XXXX Degree in XXXX. By XX/XX/XXXX, I had a stable XXXX  job and had been faithfully paying Navient at least $ XXXX   monthly payment. In XX/XX/XXXX, I started out with a total loan amount of {$21000.00}. For the next 2 years, my loan amount hovered at $ XXXX-XXXX despite my monthly payments. By the time I was finally approved for a refinace with XXXX  in XX/XX/XXXX, my total loan amount was still {$21000.00}. I found this so hard to believe that 2 years of monthly payments hardly lowered my loan! I've included an XXXX   spreadsheet that I downloaded from their website after digging hard to find how they allocated my payment to interests vs principal. In XX/XX/XXXX, they sent me a student loan interest tax form that said I paid {$13000.00} interest, which they must mean for the life of the loan and not just XX/XX/XXXX. I am not able to deduct any of this for filing my XX/XX/XXXX taxes because my AGI is now above 80,000 as a XXXX XXXX XXXX. I worked really hard as a night shift XXXX XXXX and pursuing my XXXX  for an XXXX  career while making these payments to Navient. Navient has done a great disservice to me and countless other students ( from reading other complaints and reports ) by misallocating my payments and keeping me at high interest rates so that my >2 years worth of monthly payments doesn't amount to anything. I am just happy that I finally was able to transfer my student loan to XXXX. I've attached my XX/XX/XXXX Navient tax form and the XXXX  spreadsheet from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was never informed that making consecutive payments under the IBR plan can lead to forgiveness after 10 years. If that was the case then I would have certainly signed up for the automated payments and continued applying for IBR plans every year as needed. I used to get phone calls reminding of payments being due and that has since stopped so I'm unsure of where I'm at in the process, I have usually been doing 2-3 payments at  once instead of monthly - again because I did not have this information. I am only told they don't report to the credit bureau 's monthly for the way my payments have been. So it's not affecting my credit score which is nice but it would be fantastic if my loans were forgiven instead. They are quite substantial and don't seem to be going down with all my payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user thank you

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Opened a XXXX XXXX XXXX XXXX XXXX account XX/XX/2018 for {$5000.00}. 
24 months no interest. 
I have made 13 payments of {$210.00}.

I purposely paid an extra month.

I have gotten repeated late charges of {$35.00} and/or {$25.00} not sure of why the difference.

I have called and spoken to them 3 times. I sent a secure message twice.

When I ask about extra payment, they don't really explain it.

When I ask what SPECIFIC day they need payment to avoid late fee, that also is obscure. It's very confusing. Payments received before the XXXX or after XXXX are for different months. But when I say you charged me a late fee on the XXXX and received payment before XXXX, you post payment to that month. 
Anyway, I'm very confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Initiated two transfers to bank account on XX/XX/19. Company requested identification on XX/XX/19, and it was provided on XX/XX/19. On XX/XX/19, company said account was closed and did not identify how the transfers of XX/XX/19 would be sent, even after verifying my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I purchased two auto loans that are being financed with Ally Financial. XX/XX/2013 and the other loan in XX/XX/2013. I am still paying on both these loans to date. I found out there is a settlement with them about charging higher interest rates for XXXX XXXX  and I wasn't notified. Why? I put down {$10000.00} on both these loans and my credit score was XXXX at the time of purchase. I definitely feel I am being discriminated against.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an Alert from my credit reporting MYFICO that a New Collection was added to my credit file. I had made a previous complaint BUT may had listed the incorrect collection agency. On XX/XX/XXXX I had placed a complaint with CFPB # XXXX and had placed the complaint against Southwest Collection. This may be the wrong company. I was not aware that there is similar collection company names. The correct name I am complaining about is Southwest Credit System is Texas. My complaint is that Southwest Credit Systems have reported to all three credit bureaus of a new unpaid debt from XXXX   of XXXX. This negative and inaccurate reporting has damaged my credit lowering my scores. The XXXX  account is XXXX. I contacted XXXX  and spoke to XXXX. He checked the account and could not find any history because it has been fully closed since XX/XX/XXXX. The account was fully paid and closed. Southwest Credit System claims account opened on Now XX/XX/XXXX. This is false and inaccurate. I never had opened any accounts from XXXX  on XX/XX/XXXX. I called Southwest Credit Systems but they refuse to give me further information on how they came about with this debt.This has hurt my credit file and now i am unable to purchase a home in the spring season.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
My private loan has been sold multiple times. I called in XX/XX/2018 to complain about how my loan has been handled and transfered to Heartland ECSI. My XX/XX/XXXX statement came and they are trying to charge me 29.169 %. It should never be this high. It is theft. No one is answering the phone and i can not get any information on my loan. I am very mad. Plus i have had this loan for so long and always made payments ontime. It is so unfair. My XX/XX/XXXX payment went all to interest because they are screwing around with my interest rate. I DID NOT pick this company. My loan was sold to them.They stole my money in XX/XX/XXXX when i made a payment. this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in XX/XX/2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX University, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in XX/XX/2016. Experian is clearly not even investigating the matter.

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 2019-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT CAR LOAN IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS CAR LOAN WITH WELLS FARGO DEALER SERVICES. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 I was applying to get a beginner credit card with the soul intention to start building my credit from Capital one, it was a recommended card to start building credit by raising my credit score and opening another line of credit. I was unapproved and they put a hard inquiry on my score which dropped it by 17 points on XX/XX/2019 within minutes. I feel this is not goodwill or business model. I simply want to have a good future and Secure a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I found over 10 accounts on my credit from Kansas Counselors inc-I sent in a request by fax and mail for validation of these 10 debts-which are marked as closed medical accounts. I heard nothing back from them. I supplied them with my new address and contact information and still got nothing back. I submitted a dispute with the credit reporting companies because I think that these debts are linked to Identity thief that occurred in XX/XX/XXXX-XX/XX/XXXX from and ex-employee. Kansas Counselors remove all of the accounts except 3 of them. 
I have requested 3 times for proof of this debt and they refuse to provide it and keep responding to the credit reporting companies that these accounts are valid. And now they are reporting the accounts as brand new accounts with no last day of active on it, which the credit reporting companies tell me that will cause the accounts to say on the credit longer then the 7 year marker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card was compromised while on vacation in XXXX and resulted in {$2800.00} in fraud charges, despite being on an XXXX XXXX flight one hour before these charges occurred the fraud department deemed these charges are authorized. It was impossible for me to authorize these charges on the ground in XXXX while sitting in an aircraft XXXX feet in the air. I've presented flight information and can also provide cellphone GPS to prove that I was not present at the time or location of these charges. Additionally, after bringing these charges to the attention of XXXX XXXX Department my card was deactivated but was again used in XXXX on XXXX while I was on an XXXX Train from XXXX NY to XXXX XXXX NY. 

During these transactions in XXXX, the card was in my wallet and was not used by me nor was it authorized by me to be used by anyone else.

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 2019-01-31 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: CA

Complaint narrative:
Experian is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX XXXX collecting {$480.00}

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 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MO

Complaint narrative:
In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am in the beginning of restructuring debt, with a debt management company. 
I have several accounts with American Express which are to be put into the payment program. However, one of the requirements of the program is to provide the full account numbers. One account with American  Express, was closed in XX/XX/2017. Although I have continued payments to this account, the refuse to send out a new card. This card would contain my full account number, which the debt management company would use to put the account into the plan. My statements, do not contain the full account number ( only last 6 of account are provided. The debt management company can not include my account in the program, unless they can meet the requirement from American Express to provide a full account number. 

I have contacted American Express and they provided a tracking number for my request XXXX, but supported the initial response, which was refusal of providing my account number and refusing to send out a new card. 

Attached is the statement from American Express, which I hope would help you in a response to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
I believe our mortgage company, XXXX XXXX XXXX, violated a federal law. They are selling our mortgage, which I realize they have every right to do. However, the tranfer date is XX/XX/2019, and the date I received the notice was after XX/XX/2019 ( I did not collect my mail for a couple of days, but informed delivery from USPS shows it as arriving after this date, likely on XX/XX/XXXX ). Since mail from the company generally takes only a couple of days to receive, I know the letter was not mailed until some time after the date of XX/XX/2019 shown on the letter. Either they just put a random date on the letter, or it sat in their outgoing mailroom for a lengthy period of time. Two days notice of the sale is nowhere near the fifteen required days, and I do not believe a good faith effort was made to notify us in a timely manner. A check which should have gone to the new company was mailed before we even received the notice ( I know we're covered by a 60 day grace period, but I can envision a headache over it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX/XXXX XXXX  collecting {$480.00}

Company response to consumer: Closed with explanation