vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
First off my wife called to get pay off amount and they told her they would not give her that information. So I signed up on XXXX to see my amount owed it showed {$1400.00} i even got a slip showing thats what i owed a manager called me and even told me thats all i owed. So i go in with my slip to pay it off {$1400.00} and the associate informs me they turned me into collections plus they tacked on {$400.00} worth of late fees then she said the late fees were a mistake and she didnt know how to fix it. Then she gives me a ticket showing the late fees plus she added more late fees to it even though i dont owe them. They are ruining my credit please help me. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a XXXX degree from XXXX ( XXXX, OH ) and XXXX from the XXXX. During my education period, XXXX managed my student loans and then my loans were acquired by Navient Solutions , Inc . Overtime, my loan has balooned to over {$140000.00}. Accordingly, Navient graciously placed my loans in forebearance ( time & time again ) while I continued to seek alternate means to repay my student debt. Research after research on various student loan plans, I contacted Navient to inquire about the Income Base program. Again, they graciously enrolled me into the Income Based program, which resulted in payments of aproximately {$1300.00}, which again, I could not afford to pay. The {$1300.00} payment was based on both mine and my husband 's income. I immediately notified Navient to inform them that my husband too had student loans with Navient and XXXX. Thus, my payment was reduced to {$900.00}. I am currently XXXX years old soon to turn XXXX in XXXX 2017. My student debt has placed a burden on my marriage and my health. I can not retire, tried working a parttime job for two years at a retail store because of my student loan debt. I have worked for the XXXX for 17-years and currently I 'm employed in XXXX over the past 9-years. Again, after future research on my part, I have learned about the Student Loan Forgiveness program and have successfully applied. I recently received notice by Navient that the U.S. Department of Education will soon transfer the customer service of my federal student loan account to XXXX. I 'm still in the unsure if I 'll be able to meet the repayment plan, but hopefully I 'm on the right track to repay the enormous student debt. If there are better options available to me, please, I need all the assistance I can get! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Hello. I just read that Naviet has been hit with a law suit filed by you, the Consumer Protection Bureau for many, many objectionable practices. I currently have a loan with Naviet, which originated with XXXX. The loan was originated in XX/XX/XXXX and it was a consolidation of my student loans and my then husband 's student loans. 2 years later we divorced. XXXX/Navient have refused to release us from the consolidated loan and to create individual loans based on what the courts approved in our decree. I have made this request repeatedly to XXXX and Navient to no avail. I have worked for the XXXX for almost 29 years. I applied for the service worker loan forgiveness program but was told that our particular loan " does not qualify ''. No reason was given. I have taken my ex-husband to court to enforce the decree because he continually refuses to make payments. This has not helped either. The original loan amount was {$48000.00} and we currently owe {$30000.00}!!! How can that be after 21 years of payments?! During the course of my education I was issued other student loans and all of those loans have been paid in full -- YEARS ago! I am seeking help in getting released from the portion of the loan that I am not responsible for -- 65 % plus late fees and additional incurred interest from the lack of payment from my ex-husband. I believe that Navient/XXXX have refused to reissue the loan to us independently because they are making so much money off of the loan as is because of my ex-husband 's lack of ability and/or willingness to pay. If the loans were separated I would pay my portion off completely which would reduce their income because they would be unable to continue to charge me interest and related fees. I 'm willing to pay what I owe but I would like what is stated in my divorce decree to be what is reflected in a new loan agreement. I have been asking for this since my divorce was final in XX/XX/XXXX. Is there anything you can do to help as I try to navigate and correct this issue? Thank you in advance for any help that you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so. 

I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM CONTACTING YOU REGARDING A COMPLAINT I WANT TO MAKE REGARDING MY STUDENT LOAN PROVIDER. I AM AT A LOST FOR WORDS RIGHT NOW SINCE I WONT BE ABLE TO EVEN PAY MY RENT FOR MY CHILD AND ME TO LIVE WHERE WE LIVE NO LONGER SINCE I JUST MADE A {$210.00} PAYMENT TO SHOW NELNET MY INTENT TO PAY WHICH WAS MONEY NEEDED TO PAY FOR MY RENT ON FRIDAY. I HAVE BEEN DEALT A HAND THAT I CAN NOT CONTROL MOST RECENTLY WITH THE LOST OF MY MOTHER WHICH BILLS STILL HAVE TO BE PAID THAT I AM PAYING STILL. I HAVE ATTEMPTED TO WORK WITH NELNET. I SENT RECENTLY OVER THE LAST FEW WEEKS DOCUMENTATION THAT MY JOB WAS SENDING ME TO THE XXXX CLASS AT XXXX XXXX UNIVERSITY XXXX. MY JOB SENT US AN OFFICIAL LETTER WHICH I SENT TO NELNET SINCE I NEED THE DEFERMENT WHICH WILL ALLOW ME TO GET BACK ON MY FEET. THEY HAVE NOT PROCESSED MY REQUEST AND HAVE NOT AT ANY TIME REACHED OUT TO ME VIA MAIL SINCE I HAVE NO OTHER FORMS OF COMMUNICATION. THEY HARASSED ME SO BAD SEVERAL YEARS AGO AT MY JOB THAT I ALMOST GOT FIRED. FOR THE LAST 2 MONTHS I HAVE MADE 2 PAYMENTS IN THE AMOUNT OF {$210.00} WHICH HAS PLACED ME IN A SITUATION TO NOT BE ABLE TO PAY MY RENT SINCE NELNET HAS NOT COMMUNICATED WITH ME AT ALL VIA MAIL AS REQUESTED OF THE LAST FEW YEARS. I AM TRYING TO GET THEM TO APPROVE MY DEFERMENT SO I CAN HAVE SOME HOPE OF MOVING FORWARD BUT THIS HAS NOT OCCURRED. AT THIS POINT, MY FAMILY FRIEND HAS DECIDED TO REPRESENT ME IF NEEDED WITH A COURT CASE SINCE NELNET HAS IGNORED ME EVEN AFTER I SENT OVER XXXX EMAILS TO THEM OVER THE LAST FEW DAYS. I GOT XXXX EMAIL FROM STAFF INDICATING THEY HAD TALKED TO ME WHEN I HAVE NO CELL PHONE FOR THEM TO CALL ME. I USE A FRIEND 'S CELL WHEN NEEDED 1 TIME PER WEEK. I HAVE ALSO ADVISED NELNET THAT MY PAYMENT LIMITATION IS {$150.00} NO MORE THAN {$160.00} ONCE MY DEFERMENT FOR THE 2 YEARS I WILL BE TAKING CLASSES FOR THE XXXX COURSE AT XXXX. I HAVE ASKED FOR NELNET TO HELP ME, HELP ME HOWEVER NO RESPONSE BUT XXXX EMAIL. THIS IS MY FINAL PLEA VIA A COMPLAINT TO THE CFPB AND XXXX REGARDING MY DETAILED HISTORY OF ISSUES WITH NEEDING HELP FROM NELNET. I NEED AND YOU WOULD THINK NELNET WOULD GIVE ME DETAILS SINCE I WORK FOR THE STATE OF FLORIDA OVER 17 YEARS INFORMATION REGARDING THE FORGIVENESS PROGRAM FOR STATE EMPLOYEES. IAM VERY UPSET ABOUT THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I was hit with a massive Identity Theft. Someone put aXXXX dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX CountySheriff office and they sent me to the District Attorney in XXXX County - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX, Equifax, and XXXX.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -XXXX did not respond - in the meantime I notified allthree credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX collapsed and theywere overwhelmed. 
In any event, every one of the late accounts and lienare still on my credit reports - I called the SuperiorCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % ona car loan x XXXX yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least XXXX years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. Equifax nor XXXX, nor XXXX are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I need all XXXX I was able to get XXXX. 
XXXX and Equifax will not provide they have erroneous inform in my DOB. 
You can not call XXXX no customer service. 
I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, i called Chase bank ( XXXX card ) to see if they 'd lower my interest rate from XXXX % to something reasonable so I could pay it off. The account was already closed due to default. I told them I was having trouble paying the balance off and I was in jeopardy of losing my job. They refused to do anything. Fast forward to XX/XX/XXXX, I 've now lost my job and I paid off my balance in full ( I went online to Chase and it said my balance was {$10000.00} ). Today, I went online to Chase, and I see an interest fee of {$160.00} posted on XX/XX/XXXX. I called Chase, spoke with a woman named XXXX ( I believe I heard that name ), and told her that is n't right ... I paid my balance in full, I should n't get another fee, billed a week after I paid off my balance. She said its correct, she refused to waive it, and I 'm not inclined to pay it. I 'd understand if I paid after the statement closing date but that was n't the case. I paid the statement balance prior to the closing date. 

Frankly, I 'm mad and I feel that this is the treatment women get. This is n't right, it 's bad business, I paid them a lot of money, a lot of fees, and they should eat their phony interest fee. 

Am I wrong? Is there anything you can do to help me? I am so tired of feeling taken advantage of. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: OK

Complaint narrative:
A medical bill collection was placed on XXXX and XXXX under XXXX different collection agencies - central financial control and syndicated office systems, neither of which contacted me via phone or mail notifying me of collection placed. I am willing to settle my debt but I do n't understand how XXXX different companies ( XXXX of which the XXXX alerted me no longer exists ) can expect me to pay to them individually from XXXX medical bill delinquency. I do not know where to go from here. 
Thank you!

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