vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have been out of school since XX/XX/XXXX and have made every attempt to pay back my outrageous student loans/interest. In order to help in my efforts, I enrolled in an income driven repayment program. Since I have made enough payments to be forgiven my loan debt I applied for forgiveness. I received a letter stating that though I made over 120 payments as required and work at the approved employment sites only TWO of my payments would count towards loan forgiveness because instead of paying {$55.00} ( for an example ) I'd pay $ XXXX because I rounded up. When I called to complain they reviewed it and sent another letter in XX/XX/XXXX stating my payments that were approved went from TWO to SIXTY because they only manually go over your application, versus the initial electronic review, once calling and filing a complaint. When I called to ask why only sixty payments were approved I was told it was because other of my payments made were only for the amounts I was billed, which means, for example, when I paid {$56.00} instead of {$55.00} for the month of XXXX and now my XXXX bill reflects a minimum payment amount of {$55.00} ( because of the excess change from the previous month ) instead of {$55.00} and I paid what I was billed, that payment is ineligible. Absolutely absurd and ill-informed about any rules or regulations. Nothing is on the site to indicate such and it is not common knowledge!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This company XXXX XXXX was hired by XXXX XXXX XXXX XXXX to collect a debt that was discharged in  a Bankruptcy due to medical reasons. It was filed in 2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. XXXX XXXX XXXX XXXX is intercepting my tax returns, even though they have collected over {$27.00}, 000 through wage garnishment. 
When I call XXXX XXXX, they refer me to the XXXX XXXX XXXX, and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I was covered for mental health emergency 's & visits through the government agency called " XXXX ''. XXXX XXXX XXXX at the time of services XX/XX/XXXX for {$940.00} & XX/XX/XXXX for {$1400.00}, didn't know about this coverage. Nor did they look into finding out. Then, when I received the bill, I called to dispute for this reason. Nobody would help. And they did not log my account, that I called. Then I was sent to a collection agency for these 2 bills. Then called the collection agency to dispute, and they said I would have to do so through XXXX XXXX XXXX. We finally gave up, because nobody would help us. Now we are trying to repair our credit report, and they are still refusing to help us and say that it is too late. Please help. I was covered, therefore I should not have been billed for these visits.

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 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had a loan with Conns Credit Corp that slipped into collections back in 2017. I want to resolve the outstanding balance, but Conns Credit is stating that my owed balance is {$6600.00}. I believe the remaining balance of the loan is actually closer to {$3000.00}. That's what my pay-off was when the loan defaulted. I have repeatedly asked Conns Credit for a detailed account history, documenting why they are asking for {$3000.00} more than what I actually owed. They have not supplied me with the documents I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/18, my XXXX 'S bill showed my previous bill of {$510.00} was unpaid and added a late charge fee of XXXX, plus interest of XXXX. When I called XXXX XXXX, XXXX XXXX XXXX XXXX. I was told that the previous bill was unpaid. I informed them that the Bill was paid and I have the confirmation # - XXXX - XXXX. The rep said that she found no payment was made and the interest will continue to add up until the total amount is paid. I called later on that day and asked if the acct could be placed in dispute, that way the interest will be on hold until the matter is resolved. That was denied. I was told that when the check was cashed I should asked the bank to send me the receipt and then I should email it to XXXX XXXX. I was given the option of opening up an on line account with XXXX XXXX   with a secure email, so I can email them the receipt. They refused to do any kind of internal investigation to trace the money trail, to see if by chance the money could have been to paid out to someone else 's acct, or if it was stolen by an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/18 - {$84.00} Finance charges on a account that was paid in full earlier XX/XX/18 - {$25.00} late fee charged XX/XX/18 - {$110.00} paid to stop the charges accumulated so that I can work this out with WellsFargo XX/XX/18 - Reversed WellsFargo reversed the {$84.00} charges. Was suppose to reverse the {$25.00} late fee also, but did not.

XX/XX/18 - {$0.00} Finance charges in error.

XX/XX/18 - WellsFargo to return the {$110.00} payment to stop the charges, but not received yet.

XX/XX/18 - Requested {$0.00} to be reversed from XX/XX/XXXX posting. Said it was taken care of on the phone but only reversed {$0.00} XX/XX/18 - Reversed the late fee charged incorrectly from prior request on XX/XX/XXXX Currently I still have a {$0.00} balance that will continue to accrue charges in error.

I am getting the run around having to monitor to see what fees have been added to my account in error. This has probably been going on for a long time because I was not monitoring as closely since I detected the many mistakes made by WellsFargo

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 2018-09-07 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: AES/PHEAA
State: WA

Complaint narrative:
For years I made payments on my student loans through XXXX. Then one day I got a phone call from a XXXX XXXX, a customer service representative for XXXX XXXX. He started to give me a sales pitch on a public service loan forgiveness program for people who work in the public sector. He explained that I would have to reapply every year and there would be a {$100.00} fee to do that and then there would also be a monthly {$19.00} fee involved as well. I found this a little strange and immediately felt uneasy. He also said the requirements of the program were to make 120 timely payments and the remainder of my loan balance would be discharged. This interested me as my loan total is approximately {$75000.00}. So, I decided to go forward with getting signed up for this new program and having my loans transferred from XXXX to XXXX XXXX. I called my bank today, XXXX XXXXXXXX XXXX, to get the date of when I first started making payments on my loans on this new program. The representative gave me a date of XX/XX/XXXX and an amount of {$130.00}. On XX/XX/XXXX that payment was increased to {$240.00}. So, in essence, I have been making monthly, timely payments on this new PSLF program since XX/XX/XXXX, but it feels like my money is going nowhere and my balance has hardly gone down. Something just doesn't feel right. When I recently recertified, I did not provide supporting documentation with my application ( proof of income ), so I got an email saying my payment was going to go up to {$910.00}. I was outraged by this and sent them a copy of my paystub. They responded that they received my supporting documentation, but I STILL keep getting responses saying that balance of {$910.00} is due, but I have continued to make my regularly scheduled payment of {$240.00}. Can someone help me or tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SRA Associates, Inc.
State: NJ

Complaint narrative:
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, SRA Associates located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently received two letters from XXXX XXXX XXXX on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a Capital One Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

XXXX ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

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 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
We had set up where the last day of the month the payment was automatically paid. So on XX/XX/2018 {$1200.00}, which was the payment amount, was taken from the bank. On XX/XX/2018 they took out {$1200.00}, which was the payment amount, again. So the bank, XXXX XXXX XXXX, stopped all money going out. My husband called SLS Mortgage to try to fix the problem. They said they would but they haven't tried to fix it. So we went to XXXX XXXXXXXX XXXX and they worked with us for an hour, but bottom of line, we have to try to fix it with SLS Mortgage. They told XXXX to call them and try to straighten it out. So he called them and it was not satisfactory. They told him they would send a check on XX/XX/XXXX. Hopefully they will, but in the meantime we can't do anything because of the {$1200.00}, which is still there. We can't even buy food, we can't do anything, because SLS has blocked everything. 
XXXX XXXXXXXX XXXX advised us not to have the money automatically paid because it can cause problems like this. So we cancelled this but it doesn't help the problem right now. 
This is not the first time this has happened. It happened three or so months ago but at that time the company was easier to work with. Now it's really scarry because how many more times will this happen?

We feel we are caught between a rock and a hard place because we don't trust SLS. And they are not good to work with. This is not a problem we made, it was their doing, and they treat us like it's all our problem. In the meantime we have to try to figure out how to keep from 100 percent ruining our credit and even worse, getting food to eat.

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 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. 

XXXX  has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. 

XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair.

7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.

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 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently received two letters from Portfolio Recovery Associates on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a XXXX XXXX Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i bank with wells fargo, in XX/XX/2018 i was fraudulently charged for spotify premium and had to cancel all my existing debit cards due to this charge. the money was placed back in my account in XX/XX/2018 and again in XXXX the charge fro spotify premium was charged again after a long almost 5 hours on the phone with multiple vendors to cancel all transactions to my old cards and convert to the new cards, i was told by wells fargo that the money needed to be released and would take a few days to process back to my account. now days later im being told that '' XXXX took it upon them selves to deposit the charged amount into my account back in XXXX and the bank apparently did the same. At no point in time did i authorize any transactions for spotify and i understand from what i was told today 7 days after initial dispute of transaction, gave me money they shouldn't have however, this transaction on XX/XX/2018 to return the money ( i did not know i was given ) back to them should not have been completed without my knowledge and at no point should money be paid out to anyone from my account without my consent.i understand now that the money needed to be paid back but i never even got notified that this was an issue i had no knowledge of this until i called today to find out whats going on with my money. now im being told " theres nothing they can do its my problem '' and im the one screwed out of all the time and money to correct the issues. 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 monetary relief
Consumer complaint received 2018-09-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have more then 15 years that i dont have a credit card, or bank loan, i triyed to get an apartment and they told me i cant get cause my credit is bad, i used to have credit card in 2001 an i paid them all i want to know whats is the problem that i have

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 2018-09-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX  Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes

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 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX/ BANK OF AMERICA # XXXX. The account is closed but it keeps appearing on my report. It also arrears multiple times.

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