vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX  balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.

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 2018-07-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX College XXXX XXXX for my XXXX degree in XXXX XXXX, XXXX  as an out-of-state student from XXXX to XXXX. I borrowed $ XXXXyear for tuition and living expenses for four years. Upon graduation, I moved back home in XXXX XXXX, and I enrolled in an income-driven repayment plan for which I made timely payments automatically deducted from my bank acct without any missed payments. I trusted the loan servicers, Sallie Mae and Navient, thinking they were handling my federal loans correctly, but lately have become increasingly suspicious of errors or even fraudulent practices. My principal jumped up to the current amount of ~ $ XXXX when I borrowed $ XXXX. My monthly payments have been significantly increasing every year by up to {$400.00}, despite having a pretty steady income and having two babies since graduation. I did not opt for the plan that increases payments as I work. Now I am paying almost $ XXXXmonth when my take-home income has been ~ $ XXXX/month. It is difficult to support my family and impossible to save when coping with a student loan payment thats higher than my mortgage, which has an even higher principal! I called multilple times to inquire about my loan calculations, and I never got clear and straight answers. The reps always seem to be new on the job, consistently placing me on hold to ask a supervisor to answer my questions. In response to why my principal is so much higher than what I originally borrowed, they just say its because of accrued interest. And in response to why my IDR payments increased by $ XXXXyear when I just got a newborn and no change to my income, rep tells me hes not sure, but probably due to the calculations with the poverty line. I also receive yearly email notices around this time of year to renew my IDR plan by XXXX. However, whenever I try to do so, their system doesnt allow me to and reps tell me its too early to reapply until XXXX or XXXX, when its almost the end of the year. Whats the meaning of the conflicting deadlines? Ive been meaning to make a complaint or seek help reviewing my loan calculations but wasnt sure who else to turn to. Lately Ive been hearing that Navient is now under investigation for unfair practices and I genuinely feel I am a victim! Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: MD

Complaint narrative:
Capital One is limiting the amount of banking data they share with third-party applications. As this is my personal data, they should not be allowed to dictate the terms of that data sharing. I should be able to use applications and tools that enable me to live a healthy financial life -- and this shouldnt be limited to the services provided by Capital One. As such, I am submitting a complaint against Capital One because no consumer should be locked out of their own data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I ordered a sterling silver pendant and a t-shirt online from " XXXX ''. I paid in full ( {$190.00} ) via XXXX. On XX/XX/XXXX I inquired about the status of my order. On XX/XX/XXXX I was told orders were in back-log. On XX/XX/XXXX I inquired again, told 6 weeks out, and promised extra " goodies '' for my patience while they catch up on orders. On XX/XX/XXXX I was told 3 months out, again promised extra items for my patience. On XX/XX/XXXX I was told a " rush '' put on my items. On XX/XX/XXXX I was told items were 4 months out due to a problem with their jeweler. On XX/XX/XXXX I requested a refund, I was then told my items were already delivered and they must have been stolen. I requested tracking number to file a report with the USPS - that request was never met. I was then accused of lying and having actually received my package. On XX/XX/XXXX I was told the post office lost my package and items will be resent. On XX/XX/XXXX I filed a claim with Chase Bank ( claim # XXXX ) for  a charge-back in the amount of {$190.00}, my account was credited with that amount while they investigated. About one month later, Chase Bank notified me they would be reversing the {$190.00} credit was being reversed because too much time had passed since the original purchase. On XX/XX/XXXX I tried contacting the seller again, he toldme he was having XXXX and would be out for 10 days. On XX/XX/XXXX I was told he was again waiting on the jewelry vendor and offered much cheaper items that were in stock., which at that point I said I would accept. On XX/XX/XXXX I was told the stock items were sent, I requested tracking info but once again was ignored. On XX/XX/XXXX I requested tracking info again, never received. On XX/XX/XXXX 3rd request for tracking info, never received. On XX/XX/XXXX 4th request for tracking info, told its his wife 's birthday and he was busy. On XX/XX/XXXX I was told items were shipped, no tracking information given. On XX/XX/XXXX I made a 5th request for tracking information which I again never received. In addition to my claim with Chase Bank, I have filed complaints with the Arizona chapter of the XXXX XXXX XXXX ( claim # XXXX ) and the Federal Trade Commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: MS

Complaint narrative:
Company is applying none of my high payment towards the principle amount of the loan. Payback is five times higher than the original loan amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
Ronald H Reynolds replied back to the CFPB on XX/XX/18 Complaint number XXXX with he by his own words stated he mail out information. Ronald H Reynolds tells one lie after another lie even with his own letter sign by him stating the creditor called the account back as to XX/XX/2018. If your not on the account and the creditor called the account back why are you responding back as your solving the issue when by your own words is not the attorney and on your letter you clearly stated the attorney that will be doing the case. Ronald H Reynolds needs to stop contacting me being he is not on the case and the creditor has called the case back. please stop telling lies and playing games. It appears to me your hard up for money and one lie after another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: AK

Complaint narrative:
I owed the exchanged credit program a total of {$21.00} left on my account for my military star card. On XX/XX/2018 they withdrew {$900.00} from my XXXX for a {$21.00} payment. Ive called them multiple times to see why they did that and when they will refund me my money back. They insist on telling me they have no recieved this money yet clearly on my XXXX it shows that they took it and that they have received it. We are in XXXX no and I find it hard to believe they havent received this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Russell Collection Agency, Inc
State: MI

Complaint narrative:
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Lending Club Corp
State: MI

Complaint narrative:
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX XXXXf Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: LA

Complaint narrative:
XXXX XXXX XXXX is the company, i have paid XXXX dollars on a XXXX dollar loan. 

after 18 years of payments they are trying to foreclose on my home..they will now even talk to me about my load ... .i hve file complaints in XXXX and XXXX the frist company was XXXX/XXXX XXXX XXXX ... for perdatory lending.. my rates was XXXX then in the year XXXX it was handed over to XXXXXXXX XXXX XXXX XXXX. then in XXXX it was handed to XXXX XXXX XXXX 1 i have maid all of my payments but they are trying to forclose on my home ... 
please i need help to keep these people from talking me home. 

i am XXXX yeare old been married for 40 years, my health is not good was told i have XXXXXXXX XXXX ... about three weeks ago.. 
and i am a veteran i do not want to be homeless.. 
XXXX bless,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I am in the Public Service Loan Forgiveness program with XXXX XXXX. I received a summary of my qualifying payments in XXXX. It left off 3 obviously ( and previously ) qualified payments I made. Since XXXX, I have called multiple times to have these qualifying payments recalculated and I keep getting differing opinions about how long it will take to do so ( three months was the average ). Now, it's been five months and I just called and now they say they're only working on requests from XXXX, 2017, 6 months prior to my complaint. To calculate forward from that, they're saying it will take about a year to correct their mistake!?? That is unacceptable to any one. What other financial institution will say to a customer that it will take a year to correct a mistake they made?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: GA

Complaint narrative:
XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX  involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX  told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account has been experiencing unauthorized withdrawals and I addressed it with my bank months ago! I then submitted a complaint with theCFPB, so they sent me a letter and asked me to call them. When I called them, they said they had seen where I reported the unauthorized charges and then they said they would have to review the account and that I would have to wait for 3-5 business days before they make a decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
I am senior citizen and I have a XXXX XXXX, XXXX  XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX  is not reporting this account with XXXX store card as a paid and settled account. Paid charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: PR

Complaint narrative:
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and XXXX  and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: GREAT LAKES
State: NJ

Complaint narrative:
I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX 2017 XXXX XXXX credit card was settled and paid in full. Needs to be reported by Experian and XXXX and XXXX  as a paid charge off

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 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This complaint is about my principle bank,, PNC. 
On Tuesday, about {$5000.00} was deposited into my checking account by XXXX. 
On Wednesday morning, I transferred {$700.00} to my credit card to pay an overdue balance of {$520.00}. The teller noted the fee as pai as paid and said nothing about holding or preventing my card from receiving charges. 
Thursday i attempted to use the now paid up card, but PNC blocked all transactions for various amounts including {$21.00} at XXXX, {$100.00} for groceries, and to pay my rent at XXXX for {$4400.00} after promising me all transactions would clear. 
Also on Thursday, PNC claimed that they needed to block these transactions because " it's a different division and the money isn't there yet. '' What? Both operations are sold under th term " PNC Banking '' and it felt like PNC was just lying to me os they could use my funds elsewhere for two days without me knowing about it. A manager in my branch when asked, offered an explanation that there are thousands of such transactions daily, and " ... they take time. '' She failed to disclose that these transactions are made at night when PNC Bank is closed to the public. To me it appears they are playing the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, Transunion, and XXXX and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.

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