vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Dear CMRE Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to call multiple times to cancel my subscription with Experian ( {$24.00} ) per month and after spending several hours waiting for someone to answer the phone I have been disconnected. I have tried to switch my credit card number ( one that isn't authorized to them to charge and it is still charged. My banking institution has informed me I can not depute the charge because I authorized it originally.

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 2018-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX  but know one responds, no responds from customer service either.

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 2018-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
called ocwen loan servicing after receiving notice mortgage going up {$40.00} per month amount requested for escrow was {$470.00} i sent {$570.00} mortgage still went up asked what amount i could sent to keep mortgage same as it was {$730.00} no one answers question calledXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.spoke to same person5 times names given XXXX XXXX XXXX  ( male ) XXXX said continue paying original amount i asked for written statement saying that have not received anything.i now have surplus in escrow. i just want to know money needed to keep mortgage sameXXXX i'm just getting run around

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of 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 2018-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I work as a XXXX and use my BOA credit card often and exclusively. As a result, I often amass thousands of dollars in credit card transactions every month. Inevitably while auditing monthly BOA credit card statements, I find issues including vendor overcharging, double charging, incorrect charging and other mistakes that are not necessarily fraudulent. 
I recently received a letter from BOA that appears to threaten my right to continue to file disputes with my BOA credit card. 
I am including a copy of that letter in this complaint. 
I believe it is my right as a consumer that I may dispute a transaction that I believe to be in error. With that consumer protection right, I have routinely found errors on my credit card statement and have routinely exercised my right to dispute transactions that I believe to be in error. I win many of these disputes because I turn out to be right. 
As a result of BOAs very poor dispute dept. phone response times and an ongoing poorly resourced department to handle complaints, I have spent hours of cumulative time attempting to file disputes with BOA. 
I view any attempt by BOA to bully or threaten my right to file disputes as a direct infringement on my federal and state consumer protection rights. 
I did phone BOA regarding the letter on XX/XX/2018 at approx XXXX XXXX eastern time. 
I spoke with supervisor XXXX ( XXXX ) and discussed the letter with him. He offered no specific resolution other than he offered to escalate the case internally. 
I will continue to exercise my consumer protection rights and should be able to do so without the threat of BOA canceling my credit card account.

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 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian, XXXX, and XXXX  has taken more than 30 day for my dispute a violation of the cra sent police 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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX  account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

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 2018-02-21 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: AmeriCollect
State: MI

Complaint narrative:
I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo claims I took an auto loan in 2011. I did not. Wells Fargo has refused to send a copy of this alleged loan agreement. I know nothing about this alleged loan. Wells Fargo has repeatedly given me a run around. I have no idea what kind of a vehicle I allegedly bought or from which dealer I supposedly bought it from. 

This is clearly identity theft, if this loan even exists. Any signature would not be mine and would be a forgery. Wells Fargo wants me show a police report. How can I file a police report if Wells Fargo refuses to give me a copy of the loan papers? They seem to be keeping me in the dark on purpose. Wells Fargo has created false accounts before as is well known. 

I want a copy of this alleged loan or have this defamatory information removed from my credit 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 non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds. 

I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action. 

The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?

Company response to consumer: Closed with explanation