vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by 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 2018-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, Thank you for reading this complaint. I started paying on my student loans back in XXXX at the time I excited college I was able to lock the loans into 20 year loans. My payments have stayed the same over the years. From XX/XX/XXXXthrough XXXX I went back to school and the loans went into deferment ( automatically ) and I paid interest only on these loans. After graduating I started paying in full again and I assumed I would add two or three years onto my loans and continue paying the terms were I left off. 

The last few years I have been noticing that I have not benign paying down as much as I though I would be since I would be almost halfway paying off the loans. I started doing some math and Navient changed the terms of my loans from 20 to 30 years. Though I have been paying the same payments ( set on auto schedule ). 

I have called Navient several times and get a very limited response most of the time Navient hangs up on me when I press of answers. From what I can figure out there was some error somewhere and they switched my loans to 30 years and I have been paying extra interest vs paying into principle. I can figure this change happened from XXXX XXXX transferred my loans to Navient. 

This is very enthical and I hope illegal. I can not seem to prove this to Navient and I need some help because it is to the point where I should be seeing the light at the end of the tunnel for student loans vs 18 more years to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: MD

Complaint narrative:
I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. 

I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.

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 2018-02-13 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: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA

Complaint narrative:
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate

Company response to consumer: Untimely response
Consumer complaint received 2018-02-13 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: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my accounts.

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 2018-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Wired {$4000.00} to Coinbase , Inc . 
XX/XX/XXXX-XX/XX/XXXX : Communication with XXXX XXXX. They confirmed wire transfer clearing. 
XX/XX/XXXX: Opened Ticket on Coinbase 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Certified Credit Reporting, Inc.
State: TX

Complaint narrative:
I had canceled XXXX XXXX 3-4 years ago. I had already turned in the XXXX XXXX receiver box the next day so I wouldnt get charge for holding the box receiver. Whats the point of having the receiver box when I dont have XXXX XXXX account. It keeps on appearing on my Credit Report. I would like to have this removed on my Credit Report please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.

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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
Ive had health insurance at the time most of these medical bills were collected towards debt. 


AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: SLM CORPORATION
State: WA

Complaint narrative:
I am writing this because Sallie Mae has wrongfully added a 60 day late notice on my credit reports in XX/XX/XXXX. Allow me to explain. 

I filed for a chapter XXXX bankruptcy on XX/XX/XXXX and the Bankruptcy Court initiated an automatic stay. Sallie Mae sent me my last statement on XX/XX/XXXX, and they deactivated my online account access once they received the automatic stay notice. The bankruptcy discharged on XX/XX/XXXX. Sallie Mae then sent me a letter on XX/XX/XXXX, notifying me that they noticed that the bankruptcy case was concluded and that they will be sending me correspondence relating to my loan and that they restored my online access. They then sent me my next statement on XX/XX/XXXX, and I proceeded to pay them. Now I check my credit report and it shows a 60 day late status on XX/XX/XXXX, which is between the time that the bankruptcy case was active, I received no bill for, and my online Sallie Mae account was deactivated. 

I have disputed this with the three major credit bureaus, of which I have only heard back from XXXX so far. The results of the dispute says " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I feel that Sallie Mae didn't even look at the facts I presented. I am trying to rebuild my credit after a bankruptcy and I do not need a recent 60 day late status showing on my credit reports. Please help me to correct this inaccuracy.

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 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
On XX/XX/XXXX traded my old vehicle to purchase a used vehicle. The traded vehicle was financed by Challenge Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder Challenge Financial. The contact person at Challenge Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. 
XXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX. He provided XXXX XXXX, Financial Director at XXXX XXXX XXXX, with an address in XXXX, which delayed receipt of the payoff. Meanwhile Challenge Financial on XX/XX/XXXX,  deducted {$260.00} from my account and received the payoff on XX/XX/XXXX. XXXX XXXX of Challenge Financial continued to lie and say they had not received the payoff as late has XX/XX/XXXX. The tracking number ( XXXX ) from XXXX showed that they had received the payoff in XXXX, California on XX/XX/XXXX. Please keep in mind XXXX had sent the payoff the first time, on or around XX/XX/XXXX to XXXX, California and it was returned and they were forced to get the correct information from another source. This maneuver allowed Challenge Financial to take {$260.00} out of my account and receive the payoff amount as well. 
I have sent a demand letter requesting a refund of the {$260.00} as well as insisting that the payoff be reported to XXXX, XXXX and XXXX credit reporting agencies. 
This behavior is INTENTIONAL FRAUD and THEFT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. 
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. 
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.

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 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: AZ

Complaint narrative:
Submitting a complaint against Miller Stark and Klein associates, because I think they are a scam. Out of the blue, within the last couple of months, this company started calling me almost on a daily basis. When I answered the call the first time they said that I had banked with XXXX XXXX about 7 years ago ( which is true ) but that I supposedly owed them over {$500.00} in overdraft fees on an old bank card, not even a credit card. They said that if I didnt pay that they would sue me and garnish my wages. I called XXXX XXXX and they said that I owed them no money. Miller guys called me again and so I asked them, who did XXXX XXXX sell this supposed debt to then? ( because I had no recollection of it at all ) They said they couldnt give me that information. This supposed debt has also never shown up anywhere on my credit report. Is this is a scam? Someone should really nail these guys. Im absolutely not paying this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
On XX/XX/2016 I was unable to use my bank account, called the bank and was told that the account had a receivership placed against my account from a law firm. I only received the notice of a lawsuit, I did not sign for anything. When I called the firm I was told that the only way to stop the block was to pay off the amount and was asked if I could " borrow '' or get a credit advance to pay it off. The firm is XXXX, XXXX. The number is XXXX. When I first called them to try and offer a plan I was told that I can only pay the full amount and that they have a hold on my account so nothing they can or will do. The first person was rude and unwilling to offer any help. I asked to speak to a manager and was put on hold for over 20 minutes then was hung up on. Tried calling back within 30 minutes and was kept on hold for hours. Talked to them the next day and was once again told that with them having my account nothing could be done.

Company response to consumer: Closed with explanation