vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. 

I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on the XX/XX/XXXX and the XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
Medical bill that is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I sold my Lexus RX350 via XXXX to a person claiming to be XXXX XXXX. This person sent a cashiers check directly to my loan and title holder JP Morgan 's Chase Auto Finance. The cashiers check was received by Chase on XXXX XXXX, 2016. The name on the check was XXXX located in XXXX, Arizona. I called Chase almost everyday to be sure the check cleared. I called Chase Auto Finance a total of 21 times between XXXX XXXX to XXXX XXXX. They assured me that the check had cleared 3 straight days. The day I released the vehicle I phoned Chase at XXXX and spoke with XXXX XXXX. I asked again, has the check cleared? He said YES, I asked if the lien release had been mailed out? He said YES, I asked if I am at any risk for releasing the vehicle to the buyer? He said NO. I have a copy of the lien release signed and notorized by Chase XXXX XXXX XXXX ( XXXX XXXX Sr. Specialist ) and Notary XXXX XXXX ( State XXXX ) dated XXXX XXXX, 2016. The auto was released on XXXX XXXX, 2016. I also have a letter dated XXXX XXXX, 2016 stating that the loan had been satisfied signed by XXXX XXXX XXXX, Loan Servicing Specialist. I have since learned that the cashier 's check received by Chase XXXX had been returned. Chase is insisting that I continue to pay on my original loan that they have released me from. I believe I am no longer responsible for payment on a loan they have released me from. I also believe, that they must make a procedure change when dealing with a loan payoff and that they do a better job of protecting the customer from financial fraud. I am currently working with XXXX XXXX at the XXXX Investigations office in XXXX. I have a picture of the man who signed the Bill of Sale and a release of liability form. I was contacted by the gentleman named XXXX who purchased the vehicle from the thief alias XXXX XXXX stating he had purchased the vehicle in the XXXX area for considerably less than ( {$11000.00} ) I sold it for ( {$25000.00} ). I sent the picture I have of the thief and he confirmed that he is the same guy that he purchased the vehicle from. The investigator was able to contact a XXXX area Police Investigator who was able to identify the man. The XXXX Police Investigator was also able to contact " XXXX '' and obtain his full name and address. The only reason this fraud was able to take place was because of Chase XXXX being careless in their handling of the check and its information provided to me stating the check had cleared, the lien release was mailed out and that I was at no risk releasing the vehicle. I am requesting that I should no longer be responsible for the original loan I was released from. Please help. I have done all that I could to prevent this fraud from taking place however Chase Financial has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
My payment went up due to my tax bill increasing. That is fine and I am willing to pay what I owe. Gateway additionally raised my payment by {$96.00} due to " shortage '' which is actually not a shortage but a reserve cushion. Although RESPA allows the mortgage company to collect a cushion, it is not a requirement per FHA, XXXX or XXXX so it is up to the mortgage company. I can not afford to give Gateway an additional ~ {$1200.00} this year just to sit in the escrow account and never be put to use. I emailed them and asked them to waive the requirement and they never responded. I left this " shortage '' off of my XXXX 2017 payment and now they are refusing to apply any of the payment until they receive it, threatening me with additional late charges and fees if I do not pay it. They have more than enough to cover the P & I and the stated escrow items, just not the cushion amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC
State: WI

Complaint narrative:
In XXXX of 2014 I took out an auto installment loan at PLS. I have been making biweekly payments ever since. Within the last XXXX6 months new management and employees have come in and it seems that they do not note properly in their notes while doing collection calls. The phone calls are not only to myself, but my references as well. I am being contacted about XXXX5 times a day and am also left XXXX voicemails from the employees. I have communicated my issue three times now and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC
State: PA

Complaint narrative:
I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I am consistently encountering website errors, extremely slow page load times, and unsecure connection warnings from different browsers when attempting to make online payments towards my XXXX loan. Slow page loading prevents me from being able to manage my loan online or access the online payment center, even after returning to a loading page over an hour later. My internet connection is working and all my browsers ( XXXX ) open up other student loan websites, like XXXX XXXX XXXX, just fine. I do not want my payments being made over the phone or via mail so a working website is absolutely critical. I would like to attach a few screenshots of tonight 's payment attempt. Hopefully, you can get this New Jersey company to work on their poorly run website because customer service seems to be unreachable via phone. How does one expect to receive timely payments and high customer satisfaction from borrowers with these sort of problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
In XXXX 2014 I went to XXXX XXXX Hospital after receiving an XXXX. I did not have my insurance card on me at the time but I called in the following week with the information. I was insured and have been insured for the last 10 years with XXXX XXXX. 

I later learned XXXX XXXX hospital sent my bill of {$2600.00} to Capio Partners which is a debt collection agency. I have made multiple attempts to contact Capio partners with my insurance information and contacted health net to see why the debt is in collections. All attempts were unsuccessful and all parties have failed to resolve the issue. 

Although my plan has changed with health net we were still covered at the time of the incident. I will leave information for the debt collector and for my insurance. 

CAPIO XXXX, TX XXXX XXXX XXXX XXXX XXXX Subscriber # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NY

Complaint narrative:
Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.

Company response to consumer: Closed
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
This loan defaulted at a time when I was still in deferment in all other student loans. The company was impossible to communicate with and instead put my loan into default and his since issued a judgment. Every other student loan I have is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Debt has been sold without notifying me. This is violation of my privacy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: KS

Complaint narrative:
UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: OH

Complaint narrative:
XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CO

Complaint narrative:
Great Lakes provided false and/or misleading information in regards to my school closure. I was a student at XXXX/XXXX in the past. I earned an XXXX in XXXX XXXX and XXXX via distance courses from XXXX, FL. Since graduation I have not been able to use my degree since graduation. I received an email from the Dept. of Education about the closure and possible loan discharge qualifications. When I contacted Great Lakes to inquire about the details and possible fraud I was given the wrong information and paperwork to submit for loan forgiveness or loan discharge for my situation. I needed a Borrower 's Defense Application or Attestation Form and I got a school closure form instead. I was also informed that I needed to get the discharge approved by the loan servicer BEFORE I would be allowed to submit it to the Dept. of Education. I was denied for the wrong application by Great Lakes over a year ago and have been paying what I can afford on my loans since. I feel I was intentionally misinformed in order to retain the loan and the profit from the interest. Which they then capitalized the interest that accrued while my loan was in forbearance waiting for the decision to be made which was never theirs to begin with and added another few thousand dollars! I can not even afford this loan since I have never been able to obtain employment in my field of study and can not transfer the credits into any reputable college in my area. Job placement and the growth rate as well as the student services that were to be provided after graduation was a lie! I never gained anything except this debt and now have been manipulated once again to hold me to the promissory note when I qualify for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: IL

Complaint narrative:
I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.

Company response to consumer: Closed with monetary relief