vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. <P/>Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. <P/>On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. <P/>Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. <P/>This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXXI called in and complained because Huntington Bank charged me {$37.00} which is a Returned NSF item fee because of not enough funds in my account to cover {$44.00} water bill. However they had subtracted that amount out of my account already so it appeared to be paid but the next day I looked into my account and they had returned it and charged me a fee. I spoke with XXXX who was extremely arrogant and rude. I explained to her one of the reasons I chose to bank with them was their 24 hour grace window and on this transaction that window of 24 hours was not given to me. She stated that it was their option not to extend the 24 hour grace to whom they wanted and it was n't a guaranty. I explained that was n't in the promotion that they advertise so in essence they were running a bait and switch advertisement whereby you have consumers open up their accounts thinking they have a benefit of a 24 hour grace period when really they do n't. I advised her that it appeared to me she was getting agitated because I was voicing my opinion which was my option and she stated that the system do n't no the race of a person when it rejects items for insufficient funds it is done internally based on your account. I stated that I know that because a lot of the complaints against there banks when it comes to this particular issue is with their XXXX American account holders and she stated if so then we need to keep funds in our accounts and we would n't have that problem. I was livid and shocked and I advised her I would file a complaint against Huntington Bank. I am considering a class action lawsuit if I do n't receive an apology and my funds put back in my account and afterwards I will find another banking institution for my direct deposits. When I thought it could n't get any worse on XX/XX/XXXX I was charged two insufficient fees of {$37.00} and 2 of my check items were returned again with no 24 hour grace notice once again although my direct deposit was deposited in a second account that came in the same day. I honestly believe this was done in retaliation for my earlier call onXX/XX/XXXX with XXXX as well as Huntington Bank discriminatory practices against XXXX Americans. I spoke with XXXX today and she was n't helpful at all so I had no other choice but to file this complaint and if this complaint does n't suffice then I will file a class action law suit to shed light on their banking practices as it relates to people of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been a XXXX for the past 10 years in XXXX XXXX XXXX in our community. In order to obtain my XXXX degrees, I had to take out student loans myself. During my first few years of XXXX, I was informed about the XXXX loan forgiveness program that is offered through the Department of Education. XXXX XXXX in XXXX XXXX XXXX could earn up to a XXXX forgiveness after XXXX for 5 years. After XXXX XXXX for 4 years, I moved to XXXX XXXX XXXX XXXX. I have now been XXXX XXXX XXXX XXXX for the past 6 years, qualifying me for the full XXXX. My wife and I have been working hard to submit the forms required to receive this forgiveness. Our forms have been denied 5 times in the past year and we are starting to fill helpless. We have followed all the directions and the past three times have had a representative assist us during our form completion to assure accuracy. It seems like new errors are found each time and it takes them over two months to tell us about them. Then we have to resubmit everything all over again. It has been suggested each time that we take forberence because taking XXXX off of our total could substantially reduce our payment, which is over 450 dollars a month, because we do not qualify for any other repayment options. We have learned that during this time our account has increased substantially because of the interest. We are ready to free ourselves and buckle down and pay off our existing loans. Today we submitted another XXXX Loan Forgiveness form and hope that with your help, we can get the forgiveness that I qualify for and pay off the rest of my loans affordably and quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.

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 2017-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account balance on my capital one checking account is often poorly updated through the  XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OR

Complaint narrative:
I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about XXXX years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with XXXX different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: DE

Complaint narrative:
Equifax is reporting an unpaid tax lien in the amount of XXXX. I filed a dispute stating its not my account, they investigated and just updated my report but did not remove it. When I contacted the courts that placed the lien, I was told when they did a search on my name, the lien came up but when they compared it with my social security number, the lien was n't there. I explained this to Equifax and said they placed this on the wrong person and was told they would not remove it until the courts contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: GRANITE STATE MANAGEMENT & RESOURCES
State: MN

Complaint narrative:
Granite State Management and Resources shows me as 90 days late on a payments from 2015.  All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

Company response to consumer: Closed with explanation