vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 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: PA

Complaint narrative:
I am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2017 I received a letter that the care credit account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. Care credit was the original owner then sold to synchrony bank I believe then winded up in the hands of XXXX XXXXXXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of portfolio XXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I recently applied for a mortgage and was devastated when i saw that my student loans had reported a 90 day late payment in XXXX of 2018. I couldnt believe it and the damage it did to my score was tremendous. It is not possible to go from paying as agreed in XXXX to 90 days late in XXXX. This is a HUGE error and needs to be Immediately removed from my credit reports or i will have my consumer protection attorney file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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:
I decided to not receive overdraft protection and still incurred an overdraft fee of {$36.00}, which is a violation of regulation E

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
PER THE LAST COMLIANT NO.XXXX, WHERE I FILED CLAIM ON XX/XX/2017 AND THOUGHT THE PROTECTION WOULD DISCHARGE SAID DEBT NOT BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing. 

In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state. 

I do not feel I owe this balance, and have requested, without success that it be removed from my credit report. 

Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. 
I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. 
Requested to verify who is the mortgage lender of my house-no document. 
Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. 
I has ask for them to reply my email or to call me- there is no reply. 

I am in a really great need of any help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance
State: OK

Complaint narrative:
In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter  was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I checked my credit report and I saw a have a collection account for some type of medical bill for {$270.00} from XX/XX/2012. I have never received any type of letter from any hospital or doctors office for this. Every time I go to the doctor I pay my deductible no matter what service I am getting performed. I have never received a letter via mail or email regarding this collection on my credit, just today that I tried the free trial with XXXX to check get a free credit score report. 
The company it states on my credit report is called Amsher Collection Services in Alabama, I live in Texas. I just don't this company maybe a scam company, affecting my credit when I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Have been disputing with the credit bureaus since these have reported on my credit and they still have yet to send any type of verification. The last certified mail was received over 90 days ago on XX/XX/2018. They are not associated with me and I have been fighting it since I found out it was inaccurate on my reports and its making it impossible for me to do what I need to do credit wise, I couldn't even go on my house loan so it is just my husband because its reporting negatively and they aren't my accounts. I can't continue my education and get my XXXX  now. Every time I reach out to the companies or bureaus the time frame seems to be starting over of when it will be removed. When I have reached out to the bureaus in regards to this and disputed them and nothing is getting done and it is extremely unfair. I have 10 plus phone numbers on my account and only one is  actually mine. The FCRA gives the company 30 days to respond and it has been over that time frame even from the last letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
At approximately XXXXXXXX XXXX on XX/XX/2018, I received an email from Amex Serve indicating that my card was " in a negative balance. '' I immediately checked online, and discovered that my card had been charged {$790.00} by " American Express Stores. '' Upon calling the customer service number, I was informed that " the system '' had experienced a 'glitch, '' that my account was " fine, '' and they were " working on the problem. '' It is now Wednesday, and despite numerous calls to customer service ( and being placed on hold for an average of 1 1/2 hours each time ), my account is still in a negative balance. I spoke with someone named XXXX from the Fraud Department at approximately XXXXXXXX XXXX EDT on XX/XX/XXXX. " XXXX '' admitted that the problem was at their end, that I had done nothing wrong, and the problem " should be fixed by lunchtime. '' Well, here I am, still with a cleaned out account, and when I call AMEX I get a recording advising that they " are experiencing unusually high call volume, please call again later. '' I just called again, and after giving the representative my identifying information, she claimed she couldn't hear me, and disconnected the call. Now I am on hold again, after the previous hour 's wait. This is inexcusable on several levels ; first, that the " glitch '' happened in the first place, second, that there appears to be no remedy, and third, the inept customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I HAVE TWO OPEN WITH XXXX XXXX XXXX, XXXX NO.XXXX AND HSN NO.XXXX NOW SHOULD BE OPEN, PAYING AS AGREDD, NEVER LATE. BOTH ACCOUNTS WERE PAID IN FULL IN XX/XX/XXXX VIA ACCOUNT ASSURE. I EXCLUDED BOTH ACCOUNTS FROM BANKRUPTCY DISCHARGED XX/XX/XXXX. ALL CREDIT REPORTS SHOULD REFLECT THE SAME. I STILL HAVE BOTH CARDS. 

PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/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 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare applied the mortgage payment for the month of XXXX and XX/XX/2018 to the wrong loan # and filed a late payment report with the credit agencies causing my credit to drop substantially. 

I contacted LoanCare and addressed the situation by providing the requested documents ( proof of payment with a bank letterhead showing the debit on the bank as well as the transaction numbers for confirmation ). 

I have contacted LoanCare multiple times ( Emailed 3 times to follow up, called 3 times ) and they have not applied the payments for XXXX and XX/XX/2018 to loan. 

During the most recent phone call, I was specifically told that my situation is being elevated to a supervisor and I would be contacted via a phone call in a couple of hours. It has officially been a week and I have yet to receive any correspondence. 

This company has made this mistake two separate times now ( promising contact for a resolution and not following up ) and have been completely unprofessional. I recommend you avoid them if possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: NY

Complaint narrative:
About a year ago I received a piece of mail from Ameritech financial about switching over my student loan repayments from XXXX, and that they would help lower my monthly payments based on how many people I lived with and if I made 50 payments on time they would forgive the remaining balance. They sent me a ton of forms to fill out and send back to them including forbearance, pay stubs, voided check, loan services statements, tax returns, etc. and told me they would be paying my loans going forward. The initial payment I made to them on XX/XX/17 was for XXXX. Every month following for the next 6 months I was charged XXXX. Ive paid them XXXX thus far. My student loan balance has not decreased. The interest has actually accrued from what it looks like on my statement. I had my balance down to around 30k and now its up to almost 40k. I had no idea and Im not really sure what to do about my loans now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I revived an email. Telling me that i had did a great job with my card. They would refund my XXXX $ security deposit on my account. They also said apply on there app for a higher line of credit. I did and they turned me down. When I started8 mouths ago. My credit score was less than 600 way under now almost 700 so why did they turn me down

Company response to consumer: Closed with explanation