vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NC

Complaint narrative:
I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University XXXX 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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently

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 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please Refer to Complaint Number : A validation of Debt and QWR was sent to SPS however, they have failed to provide the following : * Full accounting from inception to present date to justify the numbers given * SPS claims that my balance is {$790000.00} however i have conflicting accounting which is why i asked for a validation of debt from SPS merely sending closing documents without accounting is not a valid response per the FDCPA * SPS has also failed to provide a mortgage coupon the loan was transferred in XXXX of 2016 and SPS also failed to provide HAMP options as well as alternative options as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company is reporting on my reports for medical that was deleted in 2012- At the time then there was no validation of debt and they resold the account to another company to try again and that was also deleted. Now here we are for a 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX 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 2017-03-02 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: College Loan Corporation
State: TX

Complaint narrative:
In XX/XX/2013 this Account was consolidated into XXXX Acct # 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 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

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 2016-07-26 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: Ascension Point Recovery Services, LLC
State: MO

Complaint narrative:
My Mother passed away in XXXX of 2016. She had no life insurance, nothing-they claim they want to speak to the person in charge of the estate..I am on the DO NOT Call LIST, and there is no estate, nor would the " collector '' tell me what company they are representing. She hung up on me. I called back, explained again, my Mother had no estate, all of her XXXX which was social security, went to my Fathers care, and was barely making it financially with her XXXX, Was put on hold for a manger, who never came to the phone after 7 minutes of hold time. I am in fear, and this company and recovery agents have caused me stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 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: First Data Corporation
State: GA

Complaint narrative:
I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. 
I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. 
The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. 
I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: WA

Complaint narrative:
The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have notified CCCS on several occasions that I do not owe to XXXX. They just refuse to dispute the debt on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am one of the many who had to opt into an income based repayment plan. After much research and after finally being in a decent situation where i could afford the monthly payments i began it. I was told by the rep that if i paid XXXX a month i would start to see a reduction in my overall balance. It turns out that wasnt the case and instead of my total balance being deducted even by a dollar after each payment my debt only kept increasing. I then decided maybe if i paid more ( XXXX ) it would be enough to tackle the 6.125 % interest rate they have on both loans. As of now my debt is increasing and remains somewhere in XXXX even though i only make XXXX before taxes yearly. I think they purposely do this so i can pay them out the 16 years that are needed for loan forgiveness. Please help, even if there is no foul play with my account, at least for self educational purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the FCRA

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 2017-03-13 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. 

I 've made several calls to take possession of the title to management with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have contacted and spoken with multiple PayPal representatives via telephone and am growing very frustrated with the lack of resolution. 

On XXXX, I submitted a 'send money ' request to my friend 's email address for $ XXXX. I immediately cancelled this request and submitted for a refund. However, the $ XXXX was already pulled from my bank account. I then submitted another send request to her phone number. This request went through successfully. However, $ XXXX was then again pulled from my bank account. 
Knowing they pulled it twice, I submitted for a refund and was informed it would take about 5 days to be credited. 5 days went by and I have not received the money. 
In summary, PayPal has pulled XXXX $ XXXX transactions from my XXXX bank account. When I called PayPal, a rep named XXXX, assured me that $ XXXX was refunded to my XXXX XXXX. She was so confident it was refunded that she emailed me confirmation that it was sent to my XXXX XXXX. However, my credit card company denies this claim. I have attached her email. I then decided to talk with XXXX supervisor because it became clear she was not giving me accurate information. He assured me that instead of being refunded to my XXXX XXXX, that it would only attempt to pull from my bank account once more and then cease. So he assured me the pending $ XXXX transaction would fall off and in essence, my bank would credit the {$1.00} back to my bank account. Well, the $ XXXX withdrawal went through. So again, PayPal has pulled $ XXXX yet refuses to refund the $ XXXX. They have stolen $ XXXX. 

They continue to give me the run around, and I did n't know what proper channels I could complain in an effort to get my money back. This is ridiculous that I ca n't get a straight answer about where my $ XXXX is. My friend suggested the CFPB could help. I am hoping you can help me as I really need that money. I can answer any questions you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 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: ProCollect, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.

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 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: PA

Complaint narrative:
I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.

Company response to consumer: Closed with explanation