vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastpoint Recovery Group, Inc
State: VA

Complaint narrative:
Eastpoint Recovery Group , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with XXXX XXXX, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia.
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FastBucks
State: NV

Complaint narrative:
in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Today XXXX/XXXX/XXXX, I attempted to contact Experian due to some inaccuracies showing on my report. I have numerous unauthorized inquiries reporting. The XXXX I spoke to initially started the process and refused to go any further because she states that I have opened an auto loan in the time frame from XXXX. Her facts are completed inaccurate and are based off assumption. While having purchased a car in XXXX XXXX, I only use one bank to process financing on all of my vehicles in which is XXXX XXXX XXXX XXXX. In XXXX I refinanced the same car with XXXX XXXX XXXX XXXX. The fact that she took it upon herself to deny me rights to reporting inaccuracies on my file is nothing less than mind blowing. I request that all none account associated inquiries be removed from my file, for I have no knowledge and did n't authorize any of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with Net Credit, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. 
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: MA

Complaint narrative:
I have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a federal government employee and my official government credit card ( Citi Card ) was fraudulently charged {$25.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charge, I called Citi Card and filed the attached Declaration of Unauthorized Use. Citi Card notified me orally and by letter that I am responsible for the fraudulent {$25.00} charge because the " card was in my possession at all times. '' I do n't dispute that the card was always in my possession but the credit card numbers of my official Government credit card were hacked and fraudulently used. I should not be responsible for these charges. As a federal employee, I am required to use my official Citi Card credit card any time I travel for an official purpose. Making federal employees liable for all fraudulent hacks of their credit card is blatantly unfair and contrary to FTC guidelines. 

I have made this assertion to Citi Card numerous times without success. I should be refunded the {$25.00} fraudulent charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
In XXXX of XXXX, I submitted a request for a cosigner release on three student loans, owned by XXXX and serviced by XXXX. The request was denied for a reason that was later determined to be inaccurate ( I made XXXX payment 16 days *early*, which violated a supposed rule AES had that " regular payments for four years '' had to occur within 15 days of the due date - they had actually changed this rule to only refer to late payments ). Ultimately, after waiting for months, no response was given. I met all requirements for cosigner realease, as far as I am aware. 

I submitted a second request for cosigner release in XXXX of XXXX. Since then, I have called AES multiple times and requested that they follow up with XXXX. XXXX has not responded to the request. 

Waiting for 2 years for this process is unacceptable. I would like action from XXXX to review my request ( and hopefully approve it ), so that these loans can be removed from my mother 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC
State: CA

Complaint narrative:
I took a personal loan with Dollar Loan Center. I knew this was going to be high interest rate. But with the way they are charging me it is obscene. I took the loan in XXXX and they want me to pay weekly but it is reported monthly on credit. If you are 12 hours late that week they call harassing me. I had my mother in hospital so they were paid 3 days late while we did not know if my mother was going to make it screaming at me on the phone telling me I had to go in the store and pay them now. I also requested to pay monthly instead of weekly and they refused. It should be monthly not weekly. They harass call family members and I have never been over 30 days late. Since paying weekly or bi weekly The loan was for XXXX To date since XXXX/XXXX/XXXX I have paid them XXXX And online it still states I owe them XXXX!!!! I pay a little extra each week and still owe them more. They do not send statements and I can not see how they are applying any of these funds. Nothing is being applied to the XXXX only interest which is still more than I borrowed after paying them XXXX This is loan sharking!! This money needs to go on some principal by this point or it will never be paid off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: IA

Complaint narrative:
In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by 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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XXXX XXXX my home that has a mortage with Mr. Cooper Mortgage company was damaged during Hurricaine Irma. My home is located in an area that has been designated as a major diaster area. My loss to my home is not covered by insurance and Fema denied help as I do have insurance, even though the damage was not covered by insurance. 
On XXXX XXXX, XXXX I call my Mortgage Company ( Mr. Cooper ) and asked if they offered any type of  foreberance for victims of a national diaster. I spoke to XXXX XXXX, and she advised me that they did offer a plan where she could suspend my mortgage payment for 3 months, and that it would not reflect on my credit and that the payments would be added on to the end of the loan, without any penalty or added interest. Today I received in the mail a letter stating that this is not true, that the option to add the payments to the end of loan was not an option. I based my decision to temporarily stop paying my mortgage for 3 months on what I was told by XXXX XXXX. What help is a forebearance if the money is due at the end of the 3 months. I feel XXXX XXXX an employee of Mr. Cooper gave me fraudulent information that has caused me to now come up with the missed payments or could face foreclosure.

I called Mr. Cooper today and spoke to another young lady who had no definite answer to what will happen in 3 months, she said they could forgive, add it to the end or ask for payment in full. I then spoke to a supervisor who told me that my only option was to pay the missed payments at the end of 3 months. I believe I was fraudulently misled and now I can possibly lose my home to foreclosure if I ca n't come up with the missed payments, that I was told would be added to the end of the loan. This is not truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FastBucks
State: NV

Complaint narrative:
th I have filed another complaint againt this company, Fast Bucks. In trying to get this issue with my bank account I called the store manager and she stated the she had the right to take my payment since i was due on the XXXX. I told her that I had a conversation with her last month and that she stated that she would not take the payment until the XXXX i told her that the XXXX i told her the payment would not clear until the XXXX she said she knows that but she was off yesterday so its not her fault. this woman was very rude and told me that i needed to calm down abd she would call me bacl now how is this right at all and we also deicussed in a previous convrsation that i am not paid until the XXXX what XXXX is paid on the XXXX i tried explaining that the other lady would just hold the payment untill the XXXX it was told to me that the due date could not be strecthed farther than that but they could hold the payment she is impossible to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation