vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
Well, I have already submitted a complaint through this medium against XXXX XXXX, but I have received yet another troubling letter from them, along with information stating that I will have funds directly debited out of my bank account. I have already cancelled my direct debit agreement, as stated in my previous complaint. If they directly debit money out of my account, I will pursue IMMEDIATE LEGAL ACTION ( already in the works ). Even more troubling, I received a letter just this morning stating that my deferment date was changed to XX/XX/2018. This bill was postmarked XX/XX/2018. This is an example of an ex post facto violation of a contract between lender and student, one which is highly unorthodox and illegal. I refuse to pay this loan company, XXXX XXXX, any more of my loans, and I demand that they immediately cease and desist any and all communications with me, and forgive the entirety of my debt because of their unfair, illegal, and unethical practices towards a consumer. I will forward any and all communications from XXXX XXXX  directly to the CFPB and directly to my lawyer, who is preparing a legal case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CO

Complaint narrative:
Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I froze all three accounts at the credit agencies after XXXX 's breach of trust ( and data ) and signed up for XXXX. Just after XXXX XX/XX/XXXX, I received an email from XXXX 's XXXX that a credit inquiry was made on XX/XX/XXXX. 

I am aware ( and specifically permitted ) the inquiry but it was performed the morning of XX/XX/XXXX. 

I am concerned about the lack of timeliness of the notification and its inaccuracy. If someone had succeeded in creating the loan or gotten into my accounts, they would have been long gone by the time I was notified. And, the misinformation given would not help in identifying who or when the inquiry was made. 

When someone " new '' logs in to my bank or other financial accounts, I get email and text notifications within minutes of the event. XXXX  should be able to do the same thing. 

Attached are 1 ) the Equifax email as a PDF showing date and time, 2 ) a screenshot of the XXXX   showing the date of inquiry as XX/XX/XXXX, and 3 ) a screenshot of the approval email from my bank with a date of XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate 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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
XXXX or XXXX XXXX XXXX contacts me multiple times a week about a medical debt. I have made payment s as often as I could and eventually pay th bill off. I gav cask d repeatedly to only contact me via mail. So inst ad they contacts my parents house. The man that calls is rude and hateful. I get st least five calls a week. I want it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been making payments to Navient for a settlement that was agreed upon by both parties. I have paid $ XXXX/ month for a while now. Navient sent me a letter agreeing that I would only have to pay $ XXXX/month until XX/XX/2018. At that point my settlement would have been made and I would no longer owe anything. Now I just made my last two payments and they are telling me I still owe them {$2600.00} towards my settlement. Yet, I have had multiple conversations and letters sent proving I should be done. I am extremely upset. I was under the impression for a long time now that I was going to be done. I was so excited and now I am having a bunch of issues. This is unacceptable and I do not think I should have to pay another cent. Especially since there is a lawsuit out against the company right now for false information and all sorts of issues with their lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.

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 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .

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 2018-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: PA

Complaint narrative:
I have received a recorded message call saying " This is a confidential call for XXXX XXXX if you are not XXXX XXXX hang up ''. Well I am XXXX XXXX so I stay on the line and it tells me I owe {$650.00} with several different payment plans and a zip code. 
The only problem is I owe no one. My credit score is over 800 and I don't live in that zip code. I think this is a scam but am not sure so I am reporting it to as many departments as I can, like the no call list. I know that collectors can call debtors but since I am not he debtor that puts them in violation. This is not the first so called company to call me. I have been called a liar and several other names trying to get my phone off different list which is why I am not calling them. I have them asking me my SS number which only makes it sound more like a scam would you give your SS number out to some stranger that calls you on the phone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : 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 monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
va loan mishandled by jp morgan chase - inaccurate financial transaction record - failure to ensure insurance rider placement and payment distribution in accordance with va loan regulations - failure to service va loan according to va regulations, - submitting and making misleading and misrepresentations to state, federal, courts ands judicial officials and agencies - failure to provide mortgage modification authorized and approved by the VA - failure to provide and misrepresentation of required policy and procedures to assist and/authorize homeowners claim repairs and payment disbursements i have submitted these complaints previously supporting witnesses XXXX XXXX, va loan specialist, XXXX pa attorney general XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX pa state trooper XXXX and XXXX, XXXX pa XXXX, XXXX thousands of supporting documents, recordings, texts, and emails available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I CONTINUE TO BE HARASSED ABOUT MY XXXX  COSIGNER. This has crossed over to undue stress as they are brought up EVERYTIME despite having filed his death certificate with NAVIENT on 3 separate occasions through fax and physical mail. This compounds the hardship I now face XXXX  him in life and financial assistance and it is harassment towards his family that did not sign up for supporting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation