vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I sent money through western union and an hour later I received a call from western union asking me that they want to interview me and ask me few questions. And if i don't comply they will cancel my account and I won't be able to send or receive money through western union. The western union compliance department 's number that wanted to interview me is : XXXX. Another issue that might be related is that when I called the consumer financial protection bureau at XXXX, someone in XXXX answered???? What is going on? The CFPB has been hacked too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
Received a call on XX/XX/XXXX will include. 
Called number they had last 4 numbers of social security number. 
Someone name XXXX told me I owe around {$2000.00} plus for credit card XXXX XXXX XXXX. 
If did not pay now. I will be charged a court cost that would make around {$4300.00}.

I did let him know that I could not recall the card He told me I open it in XX/XX/XXXXand XX/XX/XXXX it when it went bad. XX/XX/XXXXtill now just getting informed. No written letter! 

After getting my brain to work - I called again Same person told me that I open account in XX/XX/XXXX- went bad in XX/XX/XXXX this time. 

Told him needed to ask 2 questions date of last activity & when did they received this information. He refused to answer. 

If this debt is minds it would be time barred California credit card 4 years )

Company response to consumer: Untimely response
Consumer complaint received 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY

Complaint narrative:
Check Smart ran my check through the bank on XX/XX/2018 for {$470.00} after a collector in at the corporate office Community Choice Financial advising me that they were going to set me up on a payment plan on XX/XX/2018. They refunded some overdraft fees, but not all. The check went thru my bank on XX/XX/2018, and they still have me in a database with XXXX that says that I have an outstanding loan for {$400.00}, even though I have emailed my banking statements to them, per thier request on two different occasions. I have received a Paid In Full letter on Friday, XXXX XXXX but they still havne't taken me out of the XXXX database which prohibits me from dealing with anyone else that utilizes the XXXX database. I spoke with them today, and was advised that they submitted a request to refund the remianing {$12.00} that they owe me. However no information can be provided to me as to why I am still in the XXXX database 13 days after they were paid in full. Thee people involved are the original collector that I spoke with on XX/XX/2018, but I don't remember his name. The other people involved are XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was involved, but she is the only one that has truly tried to assist me by emailing me a Paid In Full letter on XX/XX/2018. However, no one seems to be able to give me any information as to when I will be taken out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OK

Complaint narrative:
XX/XX/2018 I was informed that XXXX XXXX was going to help me lowered my student loans. I was also informed that if I pay them {$100.00} a month they will helped me cut my student loan in half. However, this did not process thru it only made me paid double for my student loan. My original student loan wasn't cut in half it remained the same while I'm getting charged {$100.00} a month for 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 my vehicle was repossessed. I was confused as to why it was taken seeing as we had already sent the payment to them to try and stay current with the bill. We called and as it turns out the payment we had sent didn't go through because of a typo on the routing number we never received a call a notification email a letter ... Nothing saying our payment didn't go through. When we told USAA this the person on the phone could clearly care less and told we would have to pay the ban XXXX in order to get back into the vehicle plus the repo and storage fees. After hearing that I agreed we would've been more proactive in making sure the payment have gone through and told her we didn't have the money that instant but would come up with it Ina few days but I'd like to still talk to a supervisor to make sure there's absolutely nothing they can do to help us we were told there was no supervisor there to talk to us and that we would be put on a call back list. I agreed well the second of XX/XX/XXXX rolls around and still no call back. So i call again this morning having got the money together and decided robust make the payment they wanted. Well apparently that's not good enough for them anymore and now they want the loan payed in full. Now they are just playing games had I had the amount a few days ago i would've been back in my vehicle that day how things change so drastically by just a few days it's ridiculos. So again I ask to speak to a supervisor I'm told there's not one available to transfer me to because there's an issue with the phones I ask if I can just stay in hold until they figure it I'm told no because she has other members to help and I need to wait for a call back i ask if he supervisor could just walk over and use her phone again I'm told I need to wait for a call back. So I agree and they hang up. A few hours later I figure what the heck maybe they fixed the issue I'll try again. So I call back again I'm told there's no supervisor available that they've been in a meeting all morning and that's why their not accepting calls ( apparently the whole phones not working story was XXXX ) but at least she was kind of to hear me out and listen to what happend and told me she'd email the supervisor directly and ask him to call me as soon as possible. Well all this waiting would be fine and dandy if I was accruing more and more storage fees the longer my vehicle stays at the lot. And If I wasn't told something different every time I call. They will not give me an extension to their supervisor not any other number to any of the higher level management they reside to give me the contact info to anyone nor do they have it on their website

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was denied a bank account by two credit unions XXXX XXXX and XXXX XXXX and were denied accounts by both because of what was found in my chex systems they both stated that chex systems showed where I mishandled a checking or saving account. After reviewing my report I did not see anything wrong with my report and called chex systems to explain the report to me. The agent stated that there was no indication of any mishandled accounts so I called both banks to see what they were viewing and they told me I have to refer back to chex systems and they had to remove the comments that were preventing my from opening the account. Chex systems stated that there is nothing that I could do and to go back to the bank. I would like to know what I need to do to clear the items that are preventing me from opening a bank account its not clear what's wrong.

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 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
I contacted Ameritech Financial in XX/XX/2016 per a piece of mail delivered to me stating they could help me repay my loans and ultimately reach loan forgiveness. I spoke with a representative named XXXX XXXX who walked me through a 2-hr phone conversation in which he assuaged my loan anxieties, stating the company would have me pay rates which would reduce over the course of 10-15 years that were based on my income. I initially paid something like {$100.00} and thereafter have been making payments of {$82.00} for about 2 years. The company led me to believe that my payments were investments to pay off my loans and that the government couldn't really help me like they could. I recently received a letter from the Federal Trade Commission detailing a law suit made against this company. Thus, I am filing this report. I am currently waiting to hear back from Ameritech to cancel my account and demand a refund. The number listed on their documents is no longer in service. I called them using a number on my voicemail ; they had called me on XX/XX/XXXX telling me I needed to sign a contract to approve debits. I did so. I have, up until this moment, felt comfortable with Ameritech because once I settled business with them, I would receive monthly emails from XXXX XXXX XXXX XXXX stating that I owed them {$0.00}. Since gaining this knowledge, I called XXXX XXXX who explained the fraud taking place in the same words as the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried to buy 2 VIP tickets to XXXX XXXX from a person who called themselves XXXX. It is unclear now whether or not that was his real name. I contacted him by phone at the number XXXX ( XXXX XXXX XXXX. We spoke on the phone and agreed that I would pay {$170.00} as a deposit before I collected the tickets, and {$170.00} after I collected the tickets. When I went to pay him the 2nd amount, he told me that because the amount was the same and done 2 times in a row, his bank, XXXX XXXX XXXXXXXX, had flagged the transaction as fraud and that I would be refunded within 1-2 business days. These transactions occurred near XXXX on Thursday XX/XX/XXXX. I called my bank, Chase, to confirm that he was correct and they told me that the 2nd payment was " pending '' but that it had gone through on their end. I assumed this meant that XXXX XXXX XXXX had indeed marked the charge as fraudulent. I sent him a new amount of {$170.00}, which fulfilled our agreed upon amount of {$350.00}. In reality, all {$520.00} was subtracted from my Chase account and processed/delivered to his XXXX XXXX XXXX account. I used a service called " XXXX XXXX '' to conduct the electronic transfers between bank accounts and he provided me with an e-mail address that he uses on his end for the service. That e-mail is XXXX. Both Chase and XXXX have told me that their fraud departments can not do anything to reverse the transactions, and of course, this " XXXX '' is nowhere to be found for comment as he did not deliver the tickets as promised, and ALL 3 transactions went through. In the end no tickets, loss of {$520.00}, and 3 entities ( XXXX XXXX XXXXXXXX, chase, & XXXX ) all telling me they can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have astronomical private student loan debt from attending XXXX XXXX XXXX University. I was given false hopes and promises. I did not receive my XXXX in the end, but am only a few classes away, but was told I do not qualify for any more student loans. 

Navient has been servicing my loan. They have been lying to me. My mom co-signed a couple of loans for me and they harrased her morning, noon and night over the phone. 

They did not and would not give me options to have my co-signor/my mom removed from the loans. 

Navient also only gave me one repayment option. I have been paying {$460.00} and now {$480.00} per month for nearly four years. My loan balance continues to increase and my accrued interest continues to increase. I have paid them several XXXX dollars thus far and Navient will do nothing to assist in helping me lower my payments and the overall loan balance. They refuse to give me any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
been with American express many years went to XXXX XX/XX/XXXX ny we all got sick food posinoing. noticed am ex they said it would be disputed typically they are the best at disputes protecting the customer. I just called today its Still on my bill I am put on hold for an hour while he researchs it with no respect for my time. my time matters. why is it still on there? HELP get it off. I did call restaurant. get the XXXX dollars off my bill

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I sold my truck after having XXXX put a new engine in my vehicle.A week later the engine light turned back on. This should have been my red flag to disassociate myself from the XXXX brand. With my XXXX  issues, I decided to lease a vehicle to prevent maintenance issues and concentrate on my health. 
After a year of having the vehicle, XXXX mails me a statement requesting approx. {$900.00} which includes a monthly payment and two years of personal property taxes and they sent another statement from the City of XXXX stating I should pay this bill. Not only did they send me a bill but they also charged my account. As a result, I sent a payment to the City of XXXX only to have them return those funds. Once again, not feeling well I just wanted to satisfy the debt because I had never been late with car payments or tax payments. I had to pay personal property for the car I sold so why am I paying for the entire year of 2016 when I took possession of the vehicle in XXXX. Why isnt that prorated? 
Why is this company gathering all personal property taxes and sending it to me? I am financially drained ; hence why I leased a vehicle. This is my first and last time leasing a vehicle at least with XXXX. This has been a very stressful experience. Once this lease is over I will never step on a XXXX lot ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX, XX/XX/2018, XXXX, TX XXXX XXXX called me with a spoofed number to look similar to my own area code. XXXX ( or whatever her name is ) disclosed my information without even verifying my identity. Then proceeded to state she would keep calling and continue to call. She mention that XXXX was the second collection agency handling the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX  directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.

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 2018-07-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I borrowed auto loan through TD Auto Finance since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call TD to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to TD credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, TD insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to TD regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. 

I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. 

I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. 

I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. 

I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. 

That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. 

Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.

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