vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: GA

Complaint narrative:
On XX/XX/XXXX, I spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
AES ( American Education Services ) Year of disbursement 2007 Original balance XXXX Prior balance XXXX Current balance XXXX Rate 7.125 Monthly payment XXXX Total interest satisfied XXXX Total principal satified XXXX Any time help is offered it is a deferred interest plan with a higher interest rate. 
They say they can help you and you spend years paying nothing but high interest payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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:
Experian was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late 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 explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: PA

Complaint narrative:
I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
This collection agency XXXX XXXX XXXX employees were harassing me by phone and were following me at my place or work, waiting around my home since XX/XX/XXXX. the harassment was unbearable to the point where I had to do a private investigation. this is where I found that those harassments were coming from XXXX XXXX XXXX XXXX in Wy. they have 2 office in Colorado at the address of XXXX XXXX XXXX XXXX co XXXX and XXXX XXXX XXXX XXXX XXXX co XXXX. As soon as I got those information from my investigation I sent them a cease and desist letter by certify letter with return receipt on XX/XX/XXXX. up to today they never respond to me which is a proof that they were the hiding company harassing me. today XX/XX/XXXX I sent them another cease and desist letter by certify mail with return receipt through my investigation I found that they claim that I owe them some debts XXXX $ + $ XXXX. I do not recall doing business with them neither or had a contract and agreement with them. therefore I requested on my previous letter to sent me a copy with my signature on it of the contract or agreement that I had with them which give them the right to collect any debt from me, they never responded. I also requested a copy of any contract or agreement that they have with the original creditor of those debts which entitle them to collect them. they never responded as well. but the harassments continues. again XX/XX/XXXX I sent them the same cease and desist letter with the same contract requests. by law I have the right to remain free from those unlawful tactics of this companies used. they constitute harassments, stalking and etc. also under the FDCPa section 805 ( c ) it is my right to request them to case any so ever contacts. those requests was sent to their XXXX XXXX XXXX WY XXXX address. but since they know they do not have the right to collect any debts from me they still do n't respond to me neither stop follow me around or calling me. 
Reason why I am filing my complaint. this company have 2 offices in colorado one in XXXX XXXXXXXX and XXXX and they are a threat to the lifes of civilians in public

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: WA

Complaint narrative:
received an offer from Key bank advertising " receive {$400.00} with depositing {$500.00} in a Key Bank Checking account within 30 days from the account opening and keep it there for 180 days ''. When I signed up for the account online I was only allowed to deposit a max of {$400.00} into the account at that time which I did upon signing up. Once the account was set up and I had my account information I then deposited the other {$100.00}. This was roughly dated back to X/XX/17, then 180 days goes by with me maintaining a balance over {$500.00}. So I then check my account once the wait period has passed and I do n't see a credit to my account so I then called the customer service line. From talking to them they said I had to make a deposit of {$500.00} within 30 days of opening the account, which I was unable to initially because they limited me to a max of {$400.00} when I initially signed up because of the offer. This seems very shady to me because when initially when signing up they do n't allow you to comply with the requirements of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: CA

Complaint narrative:
XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
When attempting to dispute Items on my credit report, Equifax asks questions in addition to Items like social security number and address. 

There are a series of multiple-choice questions to be answered. When I answer the questions correctly, Equifax states that I have provided the wrong information, making it impossible to file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Wrote letter on XXXX to XXXX XXXX that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised XXXX XXXX to removed incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.

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 2017-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.

Company response to consumer: Closed with explanation