vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: MA

Complaint narrative:
Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I had a loan through Flagstar bank and I tried to do a loan modification XX/XX/XXXX and XX/XX/XXXX. I had a credit score that should have qualified me for loan modifications per government regulations at the time but the Flagstar Rep told me they look at " other things '' too and that I did not qualify. They told me my only avenue for saving my home was to " stop '' making payments on my home and let it fall into foreclosure and I can apply for loan modification that way. I gave them everything they asked for ( bills, bank statements, Profit and Loss statements, tax returns, etc ) It was everything. I was told to fax it to them and I did. Over and over and over again. When I called to check on anything I got a live person XXXX out of every XXXX times I called. I kept getting letters saying we need more information but I would call and they said " no we got everything but send it again with updated versions ''. I must have done this at least 10 times and I never ever got a legitimate answer or resolution. Then the trustee sale happened and I was notified to leave the home immediately. I did everything they asked for over a year sending every last document they asked for several times over and over and never got an answer or resolution from Flagstar. The bank forced me into stop making payments by saying they ca n't do anything until I miss XXXX payments. They did not modify my loan even though at the time my credit score was over the minimum required by the government HARP program. Then they took my home that I had for nearly 20 years. I see they are part of a class action suit how do I become a part of that? What is my best course of action? Appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: CA

Complaint narrative:
I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
In XXXX of 2014, I tried an XXXX XXXX XXXX and found their interest rates and car selection to be predatory and unacceptable. I never went through with any of the loans offered, and when asked if they could do a credit inquiry I was told that they would only do XXXX soft inquiry that would not affect my credit report, only to find that my TransUnion credit report has XXXX hard inquiries from the same group of financers that I never approved. XXXX of the hard inquiries were made soon after my meeting at the building that XXXX tells you to go to when financing a vehicle. XXXX inquiry was made a month after my visit to the office. There is simply no excuse for them having done XXXX hard inquiries when I only authorized them to make XXXX soft inquiry that would not impact my credit. I did not use any of these financial services and went with a XXXX loan instead. 

EXETER FIN ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: CA

Complaint narrative:
I am XXXX, in a wheelchair, and my only income comes from XXXX. On XXXX XXXX, 2015, I went to an ATM to take out {$100.00} on my Treasury recommended Direct Express/Comerica Bank prepaid debit card. Several days later I learned that on that same day someone had taken out a total of {$1400.00} on my account, basically my entire monthly income. I submitted a fraud complaint to the bank. I also went to the police station to file a complaint. The police investigated my complaint. They showed me a video of my XXXX XXXX ATM withdrawal. The video showed a woman standing behind my wheelchair while I withdrew money and then later withdrawing my money. In XXXX 2015, I got a letter from Direct Express that they denied my fraud claim and would n't return the money stolen from me. I never learned why but when I called Direct Express they said they would reopen my fraud claim. It has been over a year since that time and Direct Express has still not completed my fraud claim or returned the money stolen from me. I gave my police report to Direct Express on several occasions long ago but they refuse to give me a time when my claim will be resolved or my money returned. I have attempted to get help from legal and other non-profit advocates. Direct Express refuses to talk with these advocates, even when I am on the phone with them or they offer to provide an authorization. I 've called Direct Express dozens of times in the past year but they wo n't tell me anything. Not only is Direct Express not helping with my fraud claim, they are refusing to let others help me with it. I have a limited understanding of my rights in this situation and Direct Express has made it impossible for anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: TX

Complaint narrative:
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
Navient has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for my private loans. 6 months after graduation, I reached out to Navient to discuss my repayment options since my salary was not adequate to make payments and was told that my payments could not be adjusted to my income.Instead, I was told the only I options I had was graduated repayment which lowered my overall monthly payment by {$200.00} and increased {$400.00} after 1 year or deferment. Although I was willing to make monthly payments that were adjusted to my monthly salary, they would not work with me on finding alternative income-driven plans. Although my salary has not increased in the last year, my payments have increased tremendously. I can not sustain these payments much longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Armcon Corp
State: CA

Complaint narrative:
This XXXX treatment was paid at the time of service.In addition I possessed XXXX insurance ( 100 per cent coverage ) at the time of treatment.I have disputed with XXXX and XXXX credit bureaus and only XXXX has deleted while XXXX has verified and XXXX has taken no action. 
I do not want to be designated and damaged by this debt being proliferated to 3rd parties, when in fact it is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau
State: TX

Complaint narrative:
My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: NE

Complaint narrative:
The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC
State: CA

Complaint narrative:
Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc.
State: TX

Complaint narrative:
PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I have an XXXX degree from XXXX College. During my time there, I applied for, and received, private student loans from XXXX/MEFA ( Massachusetts Educational Financing Authority ). These XXXX loans equal approximately {$100000.00} in principal debt. 

Upon graduation from XXXX, I was accepted directly into XXXX XXXX XXXX for XXXX school and received and automatic deferral on my federal loans. However, when I contacted XXXX/MEFA, they informed me that my loans could not be deferred, despite being placed in an in-school status. As a full-time student, it is impossible for me to pay the full costs of the loans, which amount to approximately {$1000.00} per month. They will not allow any kind of forbearance or deferral, despite my ongoing education and lack of income. They also will not renegotiate the terms of the loans.This loan corporation 's deceptive practices placed me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: CO

Complaint narrative:
I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Neiman, Stone & McCormick , P.C.
State: IA

Complaint narrative:
This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: RI

Complaint narrative:
Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason

Company response to consumer: Closed with explanation