vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.

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 2018-11-02 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: TX

Complaint narrative:
Navient have been charging hidden excessive fees for forbearance they issue to me. In addition, the principal of my debt is overstated. Just in a couple of years or so, my debt balance went from {$78.00} K to $ XXXX. All the explanations their agents give me on phone are evasive and not convincing. I requested all the promissory notes I have signed. They have not replied yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I received a message from auto dealer that my Equifax was locked and I needed to contact Equifax to have it unlocked. This was a result of my applying for credit to purchase a new car. I searched for Equifax online and attempted to log in to my account. I discovered that I had forgotten my password so I followed the instructions to request a new password. That requested was not accepted and I was instructed to call Equifax for assistance. I did call and the person I spoke with told me that she had no record of me ever having an account. I assured her that I have had an Equifax record for may years. After an exhaustive conversation and extensive verification questions she told me that she was sending me a temporary password. She did send the password while I was online with her and I told her that it was rejected. I asked if she could send a second temp password. She abruptly said she was transferring me to someone that could help with my password. She did transfer me and the new person started from scratch asking me even more verification questions. By this time I was getting frustrated because no one seemed to understand why I was calling in the first place. I asked to speak with their supervisor. A third person came on the line and started asking me the same questions.Name, birthdate, SSN, etc. She then started asking me about past accounts that I had already answered with the previous two agents. She first told me there was no freeze on my account then went on to say that I had no account. I told her about the previous agent sending me a temp password. She then told me that she was going to put me on hold and asked for assistance. At this point I was very upset. I told the agent to just forget it and I would contact the XXXX XXXX XXXX. 

Being concerned about the safety of my credit report, I went online to Annual Credit Report.com and was able to access my Equifax report. I advised the auto dealership of what had happened. 

I am concerned about the safety of my credit history with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
On XX/XX/2018 I received an e-letter from Nelnet regarding my income-driven repayment plan. The letter had relevant typos and incomplete/inaccurate information -- namely, the amount in which my monthly payments would be, the date they would begin at that level, and the date on which any interest would be capitalized into the principal. 

I called the customer service line on XX/XX/2018 to find out the information above. The agent read through the letter with me and said " I think what they mean is X. '' This explanation did not make sense to me and still didn't give me the information I was asking for. Regarding the date of capitalization, the agent put me on hold to ask someone else and said neither of them knew the date it would happen. 

I responded by saying those answers weren't helpful and she said " we work for the government, this is from them. '' I said, " the federal government wrote this letter? '' she said, " no, but this is coming from the Department of Education, that's just how they operate. '' It is not helpful whatsoever to 1 ) not be able to obtain the dates necessary to make payments on my loans or 2 ) hear the servicer blame " the government '' for their own mistakes or lack of competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL, INC.
State: AR

Complaint narrative:
I was contacted by Coast Professional , Inc. company regarding my student loan payments being in collections in XXXX of XXXX. At that time, I tried unsuccessfully to fight their allegations. I had received a forbearance on my student loan accounts until XXXX. In XX/XX/XXXX, I received a notification from XXXX and XXXX ( XXXX XXXX ) informing me that my payments were coming due because of the forbearance had ended or was close to ending. 

I shared my concern regarding this situation with XXXX  because I have been plagued with a wage garnishment on my job. This was implemented through a collection agency named Coast Professionals , Inc. who claims that XXXX and XXXX XXXX placed my account in default with them. I have had my check garnished since XX/XX/XXXX. When I initially had a conversation with this company I assured them that my account was in forbearance and I could not be in default. To my dismay, Coast Professional , Inc. aggressively pursued activating the garnishment of my wages. Recently, I have learned that XXXX never placed my account in collections. In addition, the XXXX company does not issue wage garnishments as a practice to collect student loan debts. The student loan representative from XXXX made note of this in my account. XXXX also assured me that this was a scam. However, the representative that I spoke to assured me that I would receive a letter from XXXX explaining the status of my account to my employer which would eliminate the continuation of the garnishment. I have not received the letter as of today. 

The ultimate conclusion from the information that I have gathered is that Coast Professional , Inc. is a fraudulent/scam company falsely representing itself as an extension of the U.S. Department of Education, XXXX and XXXX XXXX. Consequently, I will not be able to pay both agencies if this criminal act is allowed to continue and persist to drain my finances. I also would like clarity about where the monies will be credited one this is resolved. If I will get credit for the monies collected during this time period. In the meantime, I am a victim suffering a horrendous loss of income, dignity, undo stress, and the possibility of losing my position at work. 

I urge CFPB to please, investigate this company in conjunction with my account and the tremendous threat it may present to other clients as well.

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 2018-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: GA

Complaint narrative:
On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I keep monitoring my credit score in XXXX XXXX. I noticed a hard inquiry that I don't recognize on the Equifax Report. The inquiry was done by XXXX XXXX  on XXXX XXXX, 2018. I have been trying to keep the low profile and working hard to improve my score, I have no plans on doing anything ( auto loans or any other loans ) that will impact my credit score for few years. It is sad as well as scary that I was trying to save my credit health and this happened all of sudden without my knowledge. I would appreciate any help provided to this. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Colony Brands, Inc.
State: DE

Complaint narrative:
There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX  informed them yet but its been over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX made arrangements to pay a past due amount on XX/XX/18, payment was deducted on XX/XX/XXXX. Called Chase and same day and was promised that it would be reviewed and supervisor to call back and if it was identified that error occurred over draft amount would be reimbursed. Followed up again a week later no call, followed up for last time XXXX still no resolution, call was not even pulled for review. Promised again resolution in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry. 
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer. 

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal. 

I had an {$82000.00} line of credit that was extinguished -because it was paid. 

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone. 
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.

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 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
XXXX XXXX Email : XXXX XXXX : XXXX Ext XXXX Fax : XXXX Nationwide Recovery Systems XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX, TX XXXX My first call with this company, the initial gentleman was beyond sarcastic and laughed at what I said numerous times, even saying I have plenty of money to pay this bill. 

A couple of weeks ago, the phone is answered in XXXX and the caller said " for XXXX 's sake, it's Florida, speak in XXXX. '' Today, asking for their payment and explaining the situation, the caller said she was filing a harassment claim against me and notifying her supervisor. She called me, I didn't call her and she was in no way threatened as I know better as an attorney to do such a thing. She hung up on me. 

Their practices of harassment, sarcasm, and prejudice, and now threatening to file a harassment complaint against me is in no doubt a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: DE

Complaint narrative:
There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXX  to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.

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 2018-11-02 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: DE

Complaint narrative:
There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. 

I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. 

What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. 

This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). 

Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I have ad repeated issues with the collection practices of XXXX XXXX from the moment I graduated from university. On XX/XX/XXXX, XXXX XXXX contacted my sister looking for me and she is not authorized on my account nor does she have a phone number listed on the account to by contacted. I called and made sure there was no phone numbers associated with my account that didnt need to bling there. XXXX XXXX representatives straight out refused to let me know where they got the numbers for my family from. At the time, my loan was less than 60 days past due at the time and I had been making payments every single month. 

This morning, XX/XX/2018, XXXX XXXX representatives called me at XXXX which is not within the scope of the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Paypal is holding payments, and restricting available balance for up to 7 days after payment. They cited large payment paid in order to make it so that a available credit can not be used even though it has been taken from my checking account, and applied to the card balance. I believe this to be an unfair and discriminatory practice, especially because all my other payments have reflected in my available balance in 24-48 hours.

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018, the NC department of revenue ( NCDOR ) placed a hold on my account. I contacted the NCDOR and they sent a fax over on XX/XX/2018 to have the hold removed. On XX/XX/2018, Bank of America charged my account {$120.00} & {$6.00} for a " legal fee. '' I have never been advised of any legal fees or any in charges regarding legal fees from Bank of America. I contacted Bank of America and spoke with a representative who advised it was valid charge even though I had NEVER been advised of such fees. I requested a refund of this charge and they refused. What if they wanted to charge me {$1000.00}? As a consumer, I have the right to know what fees may be incurred in specific situations and I never have been provided this information. I believe this is a way for Bank of America to take advantage of consumers in difficult situations. I am requesting that Bank of America refund me the so called " Legal Fees, '' and provide consumers with this information in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i went to rent a house in XXXX XXXX fl in XXXX from XXXX XXXX for {$900.00} phone # XXXX mth i signed a lease. he gave me a chase bank XXXX # XXXX the chase bank act belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX the amount {$1800.00} first mth and depost. to find out he does not own the house and will not return mny and chase will not do nothing for me or cops. 
if u need anymore info please call me at XXXX chase bank wont do nothing about this Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Due to a change in my financial situation I am unable to pay the debt

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