vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: CA

Complaint narrative:
I filed a complaint against MEFA last month because they refused to lower my monthly payment even though I was let from my job. Late XX/XX/XXXX, someone contacted me about getting a lower payment. I was not able to reply right away because I caught the flu and I had to gather the necessary documents. I sent in my application on the XX/XX/XXXX. On the XX/XX/XXXX, the Consumer Advocate got back to me and asked for something I didn't have and couldnt get. He did not respond to that email, so i started check in every day and still no response. Today, I finally got a response from him asking again for the things I tried to get and did not have and I had to explain again that I did not have what he was asking for. This has been a frustrating process with a uncommunicative consumer advocate. MEFA promised they would help but have been so difficult to work with. I will not be able to pay my rent this month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: KY

Complaint narrative:
We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? 
Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.

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 2018-04-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/18I opened a dispute with Experian disputing an error on my credit report with a recently opened collection, Experian completed the investigation on XX/XX/2018 and explained to me the information was accurate, so I submitted a reinvestigation on XX/XX/18 asking them to explain and show me proof of the accuracy since I told them the account was unverified, but after they completed it again on XX/XX/18, they said the information have not changed, I submitted the same disputed account with another credit agency ( XXXX  ) and they removed the same account because the information was not accurate.

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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted EXPERIAN 6 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to 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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018, I had attempted to get a taxi for a trip to and from destinations in XXXX. 

THE DRIVER I HAD ATTEMPTED TO DEFRAUD ME. I'd been told that a small trip would cost roughly {$60.00}, and that my driver would be there to pick me up afterwards. My driver stayed with me at my location, but in the end I was told it would cost me since he had to wait for me. Further, I was told I'd be charged {$250.00} ( in several amounts ) only after the conclusion of the ride ( which was absurd ), and I was actually charged {$280.00}, because the driver thought he could tip himself on my bill. He also told me he would be providing return transportation to my hotel in XXXX. He physically took my card and swiped his own amount on his card reader, he didn't bother to tell me what the full amount was, what I was actually paying for, or a receipt. After my card initially declined, he said that my card authorized for a lower amount, and he wouldn't be able to drive me to my final destination anymore, as I didn't seem to have funds. This is insane. 

Further, when I attempted to contact my bank, the company attempted to validate my purchase by claiming that my signature on the bill matched my regular signature on transactions ( which it did ),  when my original complaint was that I had been overcharged!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
My original loan with the company was {$32000.00} after I graduated in XX/XX/2009. I have paid {$23000.00} to date on this loan ( {$13000.00} interest and {$9700.00} principal ) but yet my total loan amount still owing is {$30000.00}. A little over a year ago I tried to settled the entire loan for the balance owing - what I had paid to date less the original balance. The servicer immediately refused my request stating the lender does not offer settlements. 

I have a combined student loan debt of over {$400000.00}, half of which is federal loans and the other private loans. Because I am unable to make full payments ( I only make {$55000.00} a year ), my debt keeps accumulating. I explained this in my request but yet they refused. So, to date, on this loan, I have paid over {$23000.00} on an original loan of {$32000.00} and still owe over {$30000.00}. How is this ethical? 

I am trying to clear this debt to help with my overall student loan debt. Plus, my mother co-signed on this loan for me so I am trying to at least resolve this debt so she can retire without this lingering over her. I am asking to settle this debt for the balance of the original loan ( {$32000.00} ) - what I have paid to date ( {$23.00}, XXXX ) = {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a balance of {$25.00}, and I needed to pay my credit card payment of {$93.00}, so I deposited {$70.00} into my account and submitted the payment. At night, I again checked my statement to insure funds were above {$0.00} and I had {$2.00}. I even had a notification from them that I had a balance of this amount. I also knew that I had {$70.00} processing into the account the next morning, so I went to sleep knowing that I would never dip below {$0.00}. Then I wake up on XX/XX/XXXX to a {$35.00} overdraft fee, yet still a positive balance of {$26.00}. Apparently at midnight, a charge from XX/XX/XXXX was removed from the account and reposted, brining me down to - {$8.00} for a few hours before my money was deposited ( all while I was asleep ). After being with Bank of America for over 7 years, I was sure that if I gave them a call and explained the rare situation they could waive my fee. But I was wrong, and after talking to a representative and 2 additional levels of management, they decided to let me cancel my account rather than waive my {$35.00} fee that I did everything in my power to prevent. Instead of trying to understand my situation, they argued with me and told me i need to write down every transaction that i do. What is the point of having a bank handle my money then? With so many other options for banking ( and my credit card, which I will be transferring soon ) I decided to cancel. I don't think that it is right for them to charge these fees in the middle of the night when I have no way to prevent or fix the situation. I look forward to telling my story to family and friends, many of which have Bank of America. Never again.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened an account at Wellsfargo bank here in XXXX Va. The purpose of this account was for a secured credit card to boost my credit score, I was toldthat if I maintan the account in good standing for a period of one year I would then be given my {$300.00} back and the card would go to a normal credit card, i have had this card for two years now and it is still a secured card and when I question it they give me the same story it did not qualify. Well this year I called again and had it raised to corporate level where I was told probly history of my account was bad, this is a lie I always pay this and every other account on time and usally pay more than the minimum payment. Ichecked my credit report and my score is in the high six hundreds and I have unsecured accounts, they are just giving me the run around and will not furnish exact proof why I can not get an unsecured card with them. I spoke to XXXX in corporate office and was told there was nothing he could do. The original discucions where from XXXX when the account was opened. also they charge hirer intrest rate with secured cards. This needs to be corrected and I need to know the exact reason that they willnot give me an unsecured card.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I received a prepaid debit card for a purchase I made from XXXX XXXX. The card is from XXXX and seems to be issued by XXXX ( in conjunction with Blackhawk Network ).

The card was misplaced and when I found it, it had expired about two months previous. When I tried to activate the card, it said it was expired, so I'm trying to get a new card. The card may be expired,  but the funds are not ( as it clearly says on their website ). I am unable to log onto the website to request a card, and their automated voice system also declines any attempt to access it. 

I would like a new card. This is the agreement on their website : XXXX XXXX XXXX   Specifically this section : Post-Expiration Card Issuance Fee The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. For specific card issuance fees please see log in or see below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
XX/XX/18 - This company ( Direct Recovery Services ) has my email, personal address, work number, and home phone number yet contacted a friend I haven't seen in 6 years at a number I did not reference for this loan. The loan in question was a payday loan of which the number that was called was never referenced on the loan application. The representative ( a XXXX XXXX ) called the friend and left a message on his voicemail with regards to my name, his company and the fact I had money owed, the amount, and why the payment didn't go through. The rep never clarified he was contacting my number but left the message anyway, of which is a violation of federal law. I received a text message from my friend with the subsequent voicemail left by XXXX XXXX from Direct Recovery Services. His message stated " I am trying to reach XXXX XXXX ( this is not a clarification nor did he confirm who he was talking to ). This is XXXX XXXX from Direct Recovery Services. I am calling about the payment arrangement of $ XXXX which didn't go through. I need a phone call at XXXX as soon as you get this message '' I have no problem paying the debt ( payments have gone through fine, this one in question did not and is being rectified ). I called XXXX XXXX back at which time I was berated about paying debts and " this wouldn't happen in the first place '', which I took as his breaking the law and contacting a friend or relative to discuss a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Gerald E Moore & Associates, PC
State: AL

Complaint narrative:
I received a letter from the law office of XXXX XXXX XXXX on XX/XX/XXXX. I XXXX  the address provided on the letter, and the address was permanently closed. I called the number provide on the letter, and they gave me an address to send a letter to request validation of debt. I sent a validation letter on XXXX XXXX. USPS tracking : XXXX XXXX XXXX XXXX XXXX XXXX. I never received anything back from them. On XX/XX/XXXX, an agent from XXXX and I called the law office and they refused to verify my debt and remove it. The lawyers office is refusing to communicate with me or provide validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been struggling for over a decade to get affordable payment options for my student loan. 4 years ago I was set up on a payment plan to repay my loan. It would prevent my account from going into default, lower my interest rate and make my payments much more affordable. I signed up in a couple years went by. I get phone calls I need to reapply for this loan payment plan, It was quite a hassle to get them to put me on the same program again and involve lots of threats on their end but they finally put me back onto a payment plan. They never told me there was a time limit on this program so I dont know how long it lasts for and they never sent me a form of the contract besides one document that says theyre taking the money out that they said once a month. Apparently the plan expired in XX/XX/XXXX I have not re-signed up for a plan because they are no longer offering it to me and I am looking at getting a lawyer to deal with them because all the promises that they made have not shown up on my credit. My loan went into default even though I was on the program and now only a few months after this repayment plan expired my loan was sent to a collect Agency. To my understanding they should not have sent my loan to collections in such a short period of time after a payment as it is less than 270 days. Name of the collection agency is XXXX XXXX XXXX XXXX in XXXX Florida

Company response to consumer: Closed with explanation