vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: HI

Complaint narrative:
AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
During the start of XXXX I lost my debit card at a party. Throughout the next couple of days, I go on my online banking app to see there were checks with the amount of XXXX dollars bounced under my name. I file a claim with Bank of America on the XXXX of XXXX saying that I was n't the person using that card to make those transactions. I even have proof of my attendance at my university the day of any transactions on my account. I also found a receipt of XXXX dollars through XXXX XXXX in my dorm a couple of days later with another persons name on my campus. I believe that person used my card after figuring out my pin and information to make the transactions that were made. Please help me, I need to prove that was not me who used that card to make any transaction of those amounts.

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 2018-01-09 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: FL

Complaint narrative:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

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 2018-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have not had a XXXX account in almost 3 years and it says this was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: IN

Complaint narrative:
COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. 

This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do n't remember giving my authorization to this company to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do n't remember giving my authorization to this company to get a loan

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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received marketing materials stating that during a pacific window if I used my card I would be offered an incentive rate of 1.99 % until 2019 if the card was used for purchases. I used the card to purchase XXXX in airline tickets during the proper window and was not given the promotional rate. Instead when I inquired Citi Bank informed me that I had to enroll in a program to get this rate. The material was received at my house because Im an existing card member. I used the card for this purchase based upon the literature I received. When I asked if I could enroll and then get the rate applied retroactively they said no. The materials were very misleading.

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 2018-01-09 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: ACS Education Services
State: GA

Complaint narrative:
Loan Details Current Interest Rate- Variable- 6.030 Current Balance effective- XX/XX/XXXX Date Loan was sold- XX/XX/XXXX sold from XXXX XXXX Latest Rate they were able to Provide-Starting interest rate- 4.950- XX/XX/XXXX Total Disburdenment- {$50000.00} I was not aware I thought it was this high Current Balance- {$39000.00} Goal : Private Student Loan Reliaf Paying loan over 12 years, balance is not really decreasing, school is now closed, was not informed of loan terms when applied in XXXX. 
- Also payment is not getting applied correctly in addation there was false certification. 

Please help me ... .. 

Contact info XXXX XXXX XXXX Tel- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The issue revolves around the dispute of 3 charges of {$15.00} totaling {$45.00}. I have purchased three {$100.00} cards on XXXX ( XXXX ) which were fine. However the 3 x {$15.00} XXXX gift codes that came with the card were invalid. XXXX refused to address the issue blaming XXXX digital for it. 
Subsequently I disputed the purchase with Wells Fargo ( Acct # XXXX XXXX XXXX XXXX ) and I received the note that the dispute was resolved in my favor and {$15.00} instead of {$45.00} has been credited. When I called the CSR line that later transferred me over to dispute line, the issue was not resolved. The dispute person blamed the issue on " the system '' while attempting to re-open the case once more with details over the transaction. I have provided a very detailed account of the dispute including purchase details and I was astounded to hear that the dispute has not been addressed. Subsequently I was transferred to WF 's executive customer service line where I was mocked as the person on the other line, XXXX XXXX claimed she could n't hear me very well. I have made numerous calls that day and my phone line was completely fine as I could hear both CSRs and dispute dept person very well. 

The issues worth asking : 1 ) How many times does it take for WF to get a dispute such as this right? 
2 ) What is an appropriate amount of time WF feels its consumer can be put on hold? 
3 ) Where is the accountability to make sure that the dispute process is dealt with in honest and transparent manner and not in bad faith and deceptively? 

Resolution : {$45.00} credited to 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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
After 8 years of holding my credit card at BECU, something happened to get my card removed from auto-pay status. I received no letters or messages of any kind to inform me of this or the resulting late payment fees and eventual closure of my account. This happened over the course of only 2 months between XXXX and attempts to work it out with the bank have gone no where. I 'm not sure what I can do here, but I figured these kinds of shady practices needed to be reported somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, due to the personal information inquiry breach issue with Trans Union. The customers service representative didnt want to take care of my complaint of not been notified about the breach and issues. That issue was definitely disregard. My issue was ignored and I was treated like an unappreciated customer. 
The inquiries that were ignored. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX SCREENING PR XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Security Credit Services, LLC
State: CO

Complaint narrative:
Checked my credit in XX/XX/XXXX and noticed an item in collections on my report that has n't been there. It is for {$500.00} and from company called Security Credit Services. I called them and asked what it was and they said from a company called " XXXX XXXX '', I told them I did not know who XXXX is and needed something mailed to me with my signature on it showing it was mine. They replied that they could only send me a letter but it WOULD NOT have my signature on it. I told them no, I needed something proving I owe this amount because I am working really hard to get my credit right, they told me they did not have anything. I called XXXX and XXXX in XX/XX/XXXX, XXXX and XXXX of XX/XX/XXXX and asked them both to send me whatever this company sent them to get it on my report. The first time I called the lady told me they could n't send me anything and the second time I called the man said he would send it and I have n't received anything. When I looked on my report it said " dispute closed '', so I called XXXX and XXXX again in XX/XX/XXXXand they just said it has been closed with no explanation. I called Security Credit Services on XX/XX/XXXX( today ) and they again told me they did n't have anything with my signature on it and they got the information from " XXXX XXXX '' ( man was rude ), so I asked him to mail me what XXXX gave them and he again said he did n't have anything and he said " your not going to get it, I do n't have that ''. The number on my credit report for Security Credit Services is XXXX and they told me it was n't even them, then they told me XXXX XXXX put it on my report but it says Security Credit Services. No one can provide me with anything with my signature on it. I do n't know how XXXX  or XXXX ( and I 'm sure its on my XXXX credit report too ) can just add things on my report without any proof. They need to send me something with my signature on an agreement that I owe this amount or they need to take it off my report. Those involved are : Security Credit Services XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the contact information I have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: GA

Complaint narrative:
On XX/XX/XXXX, I applied for the income based repayment plan because I am unable to pay my student loans. Prior to reapplying my payment was {$0.00} based on my income. I called Navient/Dept on of education on XX/XX/XXXX,  to retro my IBR payment plan since my account is 36 days past due and was told by collections XXXX XXXX that Its not the fault of Navient/Dept of Ed, that my student loan payment is behind. I requested to have IBR plan retro back to cover XXXX XXXX payment. I have used the IBR plan multiple times and a representative has gone back as far as 3 months without my having to ask. The supervisor repeatedly kept trying to offer me a forebearance. Instead of applying my IBR plan back 4 weeks, they would rather put me at a inconvenience or make more money by placing a forebearance on my account. Also my loans have gone from {$44000.00} to {$60000.00} in one year which makes no sense if I had a {$0.00} payment.

Company response to consumer: Closed with explanation