vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
Equitable acceptance advised me that they could get loan forgiveness for me. They they told me that I qualified for loan forgiveness and that I just had to pay a fee each month to cover their cost for paperwork in and writing off the amount each month I think that fee was around {$39.00} a month recently spoke with the Department of Ed who informed me that this is a scam company that they do not have the power to do this and that now Im a year behind again. I have to pay the additional interest now Im further behind than Ever. My husband and Ineeded to do this because I lost my job. After about 3 months I found an Occasional job at much lower Pay. I am XXXX looking at retirement, my husband has retired. our income is very limited and we now owe the additional interest. I am going to be stopping work and wont have money to pay this back because I still owe XXXX this company has just devastated me even further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations. 
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.

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 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX  original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Investigation took more than 30 days
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX XXXX, Transunion and XXXX XXXX I was in shock & in disbelief that Transunion CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX 's stupidity is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with Tranunion & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.

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 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On Saturday, XX/XX/XXXX I deposited {$1300.00}  in checks into my account through the XXXX, CT Citibank atm. I then tried to withdraw money in the same transaction from my already " available " /prior account balance and I was denied. I called Citibank and was informed my accoint is frozen until my checks cleared, denying me access to my prior available balance of {$1500.00} before the deposit was made. It was a Saturday night so I was stranded for the rest of the weekend without any money. I had XXXX cash and no other forms of payment. On Monday evening when my account was still locked and i was trying to put gas in my car, I spent over an hour speaking with 3 different representatives that just kept repeating there is nothing we can do about it until you checks clear in 1-2 business days. I stated, it already has been one business day, they said well then maybe two. I had to borrow money from family members to put gas in my car, purchase food, etc because i was denied access to my available balance/ my property ( nothing to do with checks deposited ). As of Wednesday at XXXX, I am still not able to access my available balance. It has been 4 days/ 3 business days since I could access my available money. And there mobile banking app so been down since Monday as well.

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 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as 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 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) ' COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOSLY FILED CFPB COMPLAINT AGAINST THE SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX ET. AL. I HAD THIS WELLS FARGO PERSONAL LINE OF CREDIT SINCE THE YEAR OF XX/XX/XXXX, AND I HAD NEVER BEEN LATE WITH A PAYMENT, AND/OR EVEN MISSED A PAYMENT, AND ETCETERA. IT WAS NOT UNTIL NEGATVE INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT, AND AFTER BEING TOLD I HAD TO MAKE AN ANNUAL FEE PAYMENT, ON OR ABOUT, XX/XX/XXXX, TO RE-ACTIVATE MY WELLS FARGO BANK PERSONAL LINE OF CREDIT, WAS WHEN YOUR WELLS FARGO BANK, TOTALLY ILLEGALLY AND TOTALLY WRONGFULLY AND TOTALLY FRAUDULENTLY CLOSED MY WELLS FARGO BANK PERSONAL LINE OF CREDIT EVEN AFTER I HAD PAID THEM THE ANNUAL FEE, WHICH THEY HAD PROMISED THAT THEY WOULD RE-ACTIVATE MY WFB PERSONAL LINE OF CREDIT, WHICH THEY HAD THENIMMEDIATELY CLOSED.-

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 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.

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 2017-10-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2017-10-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fenton & McGarvey Law Firm, P.S.C.
State: KY

Complaint narrative:
This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. 
.I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. 
The breakdown they sent me reads as follows. 
" principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. 
This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. 
This exact statement was sent to me today via email.

Company response to consumer: Closed with explanation