vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Customer Financial Protection Bureau Supervision , Enforcement & Fair Lending Associate Director XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX OnXX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) alerting the CFPB of American Education Services egregious lending business practices and services. In my original complaint, I explained how I have exceeded repaying my original loan amount. However, AES fraudulent business practices provide for the creation of fabricated documents that restate loan closing terms and reflect invented terms and condition. This has resulted in AES restating usurious loan repayment conditions. For example, to date I have repaid approximately {$73000.00} ( of which $ XXXX has been paid in interest alone ) on an original principal amount of {$60000.00}. Still, AES claims I owe them {$53000.00}. This is usurious and at this point AES is willfully stealing money from me. In its response, AES through XXXX XXXX Vice President of Loan Operations ; represents that my obligation is represented in a document titled a Note Disclosure Statement. It is my position that this Note Disclosure Statement is a fabricated document prepared by AES to illegitimately substantiate claim to collect and in doing so, also prepared fabricated loan terms to further fleece borrowers. This dubious paperwork has been brought to light in recent NXXXX XXXX XXXX article that was published on XX/XX/XXXX. The article points out : Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The XXXX XXXX XXXX shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. At the center of the storm is one of the nations largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. I have included a copy of this article that goes into further detail. It has also been announced that the New York Attorney Genral, XXXX XXXX XXXX is now looking into AES & NCTs business practices ( article included ). I encourage the CFPB to open an examination into AES business practices. It is my belief that a proper examination of AES would lead to deficiencies and conduct worthy of an enforcement action or result in a referral to the proper [ state ] attorney general or other federal authorities. Cc : XXXX XXXX XXXX Vice President Loan Operations - American Education Services XXXX, PA XXXX XXXX XXXX Assistant Director Supervision Examinations Consumer Financial Protection Bureau XXXX XXXX Assistant Director Enforcement Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
I have given this company my money they still have my title saying I owe XXXX $ when I finish paying off this loan in XXXX 2017

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 2017-07-21 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 — Investigation took more than 30 days
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I 've reached to Experian in regards to name correction. I spoke with a rude rep on Friday XX/XX/XXXX2017 at XXXX she was very rude and refused to dispute the incorrect information on my report as I advised it needs to be updated for a job. She refused to do so. I asked to speak with a supervisor she placed me on an intensive hold. The information reported on my personal information is incorrect, I 've never went by the name of XXXX XXXX, XXXX XXXX nor XXXX XXXX. All of that information is incorrect and needs to be removed.

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 2017-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Well on XXXX XXXX this client that had my services for 3 months decided to do a chargeback of the amount of {$60.00} after those {$60.00} were returned back to my account it was taken out again and my account back to negative but now with an extra {$20.00} on it so now im - {$80.00} on my account, after numerous calls to paypal regarding this case i was told is still being reviewed and it might take up 75 days, but no one told me that if the case is still being reviewed i had to pay the balance or i was going be sent to collection, no one gave a warning regarding that balance they just kept saying is still under investigation, and it will be taken care of by paypal. Its been almost 3 1/2 months since this case been opened and since paypal sent proof to the bank institution, So now i want paypal to fix this issue and get my credit score fixed because now paypal has ruined my credit score, If paypal is unwilling to take action against this case ill get a hold of my attorney and have them take action against Paypal Inc. If paypal can also do me a favor and close my account once they fixed this issue because for what just happened im staying far away from paypal as possible thats for sure. Once paypal has resolved my account and fixed my credit score i want my Paypal account closed asap. I Wont be doing bossiness or getting near paypal ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
I have paid this loan they will not release my title saying I owe XXXX $

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 2017-07-21 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
ARS reported debts on my account a few years ago. I requested validation because I knew nothing about this - ARS failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( XXXX, XXXX, XXXX ) - the credit agencies removed the ARS listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to ARS about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the ars listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to ARS that they received. I send copies to the credit reporting agencies of both the letter I sent to ARS, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.

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 2017-07-21 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: NY

Complaint narrative:
XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( equifax, XXXX, XXXX ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the XXXX listings. equifax deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me immediately!

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 2017-07-21 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX XXXX that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my 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 2017-07-21 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: NY

Complaint narrative:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

Company response to consumer: Closed with explanation