vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by MEI to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on XXXX. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with MEI and XXXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they MEI, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY CREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found multiple inaccuracies on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Disputed with the company on XX/XX/2018, company received my dispute 0n XX/XX/2018 according to the certified mail.It is now XX/XX/2018 and I have yet to hear from the company.The FCRA gives the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
THERE IS A {$1500.00} DEBT SHOWING ON MY CREDIT REPORT FROM XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History I HAVE HAD THIS PROBLEM WITH THIS COMPANY BEFORE TRYING TO COLLECT ON A BANCKRUPCY OF OVER 20 YEARS. I HAVE NOT RECIEVED ANY NOTIFICATION IN WRITTING OF THIS DEBT THAT I DO NOT KNOW WHAT IT IS FOR. WHEN I CALL THEY INSULT ME SAY STOP TRYING TO GET OUT OF YOUR DEBT YOU OWE AND YOUR GOING TO PAY NO MATTER WHAT. THEY SAY IT IS FOR A MEDICAL BILL BUT THEY ARE NOT TELLING ME FROM WHERE. I HAVE MEDICAL INSURANCE SO THERE IS NOT A BALANCE OR DEBT. AND IF THIS IS FOR A XXXX DOCTOR THAT I CANCELED MY APOINTMENT DUE THAT MY MOTHER WAS ILL THEN THIS IS WRONG AND THE DOCTOR 'S OFFICE ARE REALLY UNPROFESSIONAL AND THE VISIT WOULD HAVE BEEN {$60.00} BUT I CANCELLED MY APOINTMENT AND IF IT IS FOR AN XXXX, THE DAY I HAD TO GET AN XXXX THE MACHINE WAS BROKEN. THAT WOULD BE THE ONLY MEDICAL SITUATION I CAN THINK OF. I RECIEVED A BILL FROM THE DOCTOR, I CALLED AND THEY TOLD ME IT WAS A MISTAKE AND THAT I OWE NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Today, XX/XX/2018, I was unable to delay my monthly Student Loan Payment due to internal processes present within my Loan provider, Navient. Due to financial hardships as well as with an irregular pay schedule I was unable sufficiently satisfy monthly payment. When calling the provider to put a stop/delay the automated payment, they explained that it was too late to delay the payment ( even tho I called before the payment scheduled payment date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: GA

Complaint narrative:
On XX/XX/2018, second dispute letting Equifax Credit Reporting Agency know that I was a victim of Identity Theft, After submitting the proper support documents according to FCRA 605b.and waiting for the dispute to be updated, this agency continues to report this erroneous public record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I initiated a balance transfer of XXXX to XXXX.with my American Express credit card. Since the payment didn't appear on my mortgage statement, I contacted American Express. American Express paid XXXX XXXX the XXXX.

American Express said they would investigate ( 3-6 weeks ). I demanded that the balance transfer be cancelled and my account cancelled. 

American Express refused to send me documentation of my demand and refused to cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TX

Complaint narrative:
On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by XXXX to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on uber. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with XXXX and TruckMAXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they XXXX, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY XXXXREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Originally, I had 60 months of forbearance left on my loan. I had used 17 months leaving me with a total 43. However, they have informed me that they have unilaterally changed the terms of the agreement to reduce this time to 36 months. I asked them why I hadn't been given notice of this event and they stated that only certain borrowers were entitled to notice and I was not one of them. Likewise, they stated that the Master Promissory Agreement states that they can change the terms at any time. However, its hardly seems fair, let alone legal, for an lender to summarily reduce a borrower 's remaining forbearance allotment by more than half. Such a contract term would be unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: KY

Complaint narrative:
In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. 
Now my credit report has a collection from Keynote Consulting Inc with no contact information. 
I dispute this wrongful attempt to damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reported to Equifax ... and XXXX of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Debt USA, LLC
State: TX

Complaint narrative:
I was contacted a couple months ago by XXXX at Student Debt USA. She wanted to take over my student loan debt and provide a way for my loan to be forgiven after so many years of paying on the debt, All I had to do is pay Student Debt USA {$1000.00} in ten monthly payments, then several years at {$35.00} per month for the period of time required to have the loan forgiven. Like a fool I agreed to accept Student Debt 's assistance. I have since paid them {$200.00} total.

I called my student loan holder, XXXX ( XXXX XXXX XXXX XXXX ) when I didn't receive any paperwork from Student Debt USA and was told that they ( SDU ) were taking money for a free service that I had been enrolled in through XXXX for years. 

I was advised to make a complaint against Student Debt USA with several government agencies which included this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reported to XXXX ... and transunion of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraud occurred on my Chase credit card on XX/XX/2018 at the XXXX XXXX XXXX in XXXX XXXX XXXX, Florida for {$250.00}. The SAME DAY and the days before and after the charge, all my charges ( there were many! ) showed that I was in XXXX XXXX and the XXXX California area at the time ( where I live! ), more than 3k miles away!!!! I have never been to XXXX XXXX XXXX or the XXXX area in my entire life! could never have been at this spa. The spa doesn't even appear to be open : XXXX XXXX XXXX  Please help me get reimbursed for this charge. I reported it immediately to Chase and even got a new card when I reported the fraud so no more fraudulent charges could be made. And despite continuing to dispute the charge, Chase is still making me pay for the fraudulent charge. I have even filed a police report. What else can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC
State: MI

Complaint narrative:
Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. 
I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. 
DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. 
Stop charging past due fees for your unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: CL Holdings LLC
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by Glasser and Glasser, law firm, for same debt. I have disputed, and XXXX XXXX simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 XXXX XXXX accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.

Company response to consumer: Closed with explanation