vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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: TN

Complaint narrative:
XX/XX/XXXX I contacted XXXX- ( XXXX XXXX XXXX XXXX ) about my discharged student loan account being reported incorrectly. XXXX then sent a electronic deletion request to Equifax to delete the 2 trade lines from my Equifax report. After submitting I contact Equifax on the status of the request on the XX/XX/XXXX and  was told request was request was received but account were only updated to XXXX balance and paid collections. I then Contacted XXXX again the XX/XX/XXXX and informed them of the accounts where not deleted. Another electronic request was sebt by XXXX on XX/XX/XXXX to  delete the trade lines and again request was ignored. I then faxed into Equifax the letter of deletion request XXXX sent to me to Equifax son XX/XX/2018 and again equifax ignored the request. XXXX has sent 2 request on XX/XX/XXXX and XX/XX/XXXX to equifax to delete the trade line. As of XX/XX/2018 both XXXX trade lines Account # XXXX remain on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: OR

Complaint narrative:
I took out a loan with XXXX Loans on XX/XX/18 for {$500.00}. I have since paid a total of {$560.00} ( {$81.00} every week ). After paying more than the amount of the loan I was informed that the payoff amount is {$500.00}, more than the cost if the loan I originally took out!

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 2018-12-11 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: Lending Club Corp
State: CA

Complaint narrative:
XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX  credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX   XXXX  XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NE

Complaint narrative:
I own a discover card and was going through a financial hardship and missed a payment of XXXX on one month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.

Complaint narrative:
I live in XXXX. I was in XXXX TX. during the month of XX/XX/2018 for medical care by the VA. I went to XXXX and applied for their " senior plan, '' etc., for which I believed there was no contract. A hard inquiry was made on XX/XX/2018 and the plan, for which I thought had no contract, was approved. 

XXXX XXXX emails me for changes in my credit. I then noticed that a collection account was opened by Amsher Collections on XX/XX/2018 for {$100.00} as per XXXX. 

I called XXXX and spoke with a clerk and my account was checked, which stated that I owed {$100.00}. Also, I filed a dispute with XXXX or XXXX and the dispute returned in XXXX 's favor. 

My understanding was that there was not a contract that said that I had to pay a certain amount per month for their service and if I wanted to terminate the service to just stop paying each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: NY

Complaint narrative:
This is the most stressful company regarding student loans. I have tried to reason with this company within the past 7 plus years. I have gotten NOWHERE!!!!!!! Not only are they rude, arrogant and condescending, they do not want to help you at all. I have done substantially amount of financial statements regarding my outstanding private loans. I have made payments, entered multiple programs. Nothing works. The latest incident is the fact that I am trying to lower my monthly payment and my only option was by a minimal {$47.00} dollars!!!!!! At one point an agent even asked me " How can you afford your loans? '' after she did a financial statement on me. When I try to speak to one representative, my account is either not noted or they just do not give a XXXX. I am constantly being transferred to other representatives and when I ask to speak to a " manager '', they often tell me the same thing the representative has told me, and that they simply can not help me. Not to mention the amount of phone calls I get daily.I have over 20 numbers from Navient blocked. My voicemail has reached its capacity with them leaving me voicemails. They have harassed my co-signer on his personal cell phone and his job. They have harassed me at my jobs as well. It is ludicrous for someone who makes less then 42,000 a year, living on their own with their own expenses to make a payment of XXXX a month. After making several payments over the years, I have NEVER EVER seen a decrease in my loans. This company is a scam. What they are doing to people is absolutely corrupt. Student loan debt has become a massive epidemic. I feel that my story is never heard and I am just one of a million people who are in the same situation as myself. It has put me into a XXXX which has resulted in going to XXXX   XXXX  XXXX  for almost a year. Something needs to be done. This company needs to stop ripping people off and be more honest and helpful. I hope that in the near future, I see a major change to my loans or that I receive some type of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
Someone named XXXX XXXX ( XXXX? ) from Delta Management contacted the owner of the company I work for on XX/XX/18 at approximately XXXX asking to verify my employment for a personal financial matter. They were told to not call back any of the businesses, but they can send a letter requesting the information on official letterhead. 
At approximately XXXX on the same day, the co-owner of the company received a phone call on her cell phone from the same person, and was told the same thing. 
At XXXX the same day, this same person contacted one of our locations directly asking the same information again, even after now two times being told to not call any of the companies.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: MS

Complaint narrative:
I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX  XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in  XXXX   and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.

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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
My current student loans were taken over by XXXX  XXXX XXXX from another company which took me through a rehab program to get the loans in good standing. As is common practice for all loans that are received by XXXX  XXXX XXXX, the loans were placed according to them, on to a " standard '' payment plan. After not too long I decided that I wanted to move them over to a more affordable payment plan, so I went through the process of applying for income driven payments. 

At the time of requesting the move, I was told I had two options,  either go in to forbearance which would allow me to stop making payments whilst my application was processed or allow my loans to default for non payment. Well I didn't want my loans to go in to default again so I went along with the forbearance idea, but at the time they did not tell me that the interest ( approximately $ 9k ) would be moved from total interest across all loans to the principle amount. 

This means that I am now paying interest on interest which is totally unreasonable. I was neither told about this nor did I request it. 

Prior to this the figures were approximately : $ 37k principle $ 9k interest Since the shift in XXXX of this year, my principle then became $ XXXX and I am now paying an average interest rate 4.88 % per year. 

Just to keep my loan where it is now I have to pay 4.88 % of $ XXXX per year forever, until the loan is paid. This is totally unreasonable and I did not request this. My interest should still be $ XXXX and that should be the interest to be paid, not 4.88 % of $ XXXX. 

XXXX  XXXX XXXX needs to be investigated for this type of behavior. Lets be honest, nobody would be in the business if they weren't making money but to do it this way is very deceitful and underhand. I of course asked them whether this could be reversed but they told me once it's done it's done. I asked them if this happens to everyone that goes through this process and I was told YES. 

They need to be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: IL

Complaint narrative:
The attached letter from XXXX XXXX shows I was not 90 days late in XX/XX/2018 and I was not 120 days late in XX/XX/2018 further while in Forebearance I made payments attached. These entries have ruined my employment credit standing and I am requesting immediate removal of late entries of XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.

Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.

It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
interest/fees charged ; attempts at reconciliation rebuffed ; request for records denied as " proprietary ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Very rude experience coming into the XXXX XXXXr branch in  XXXX Illinois on XXXX and XXXX, XXXX XXXX was who i dealt with. He was extremely rude and disrespectful. I told him just to close the account after he presented it as an ultimatum to me. He stood with a rude smirk on his face as i waited at the teller window to withdraw my funds. When I asked the teller if i could speak to a manager i was told no manager was available nor was an assistant available. Calling into customer service I experienced several nasty representatives and some guy that barely spoke good English from fraud prevention that kept telling me to go into a branch even after i told him i just left a branch and they were unable to help me the representative was argumentative and when i asked to speak to his supervisor he just hung up on me. The bank customer service representatives have consistently told me differently banking policies and account information. The bank refused to resolve any account problems. XXXX, senior manager of loss prevention was equally as rude and uptight. She refused to give me clear direction on what the steps were in the complaint that I filed claiming it would be put into a complaint tracker and saying to me oh well what did i want to have done. Very nasty rude people from the supervisor XXXX on down by far the worst institution I've ever went back to bank with. Worst decision ever I've made in my banking experience

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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 is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.

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 2018-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a voicemail on Tuesday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX  from a woman named XXXX XXXX. She gave a case number of XXXX. She indicated that a case was being filed against me and I would forfeit all my legal rights, that my supervisor at work would be contacted and that I will be found. She spoke in a manner to indicate that she was calling from the XXXX XXXX County court. I have attached the voicemail below. When I contacted the number she left, it was a collection agency. I spoke to XXXX XXXX and gave him the case number from the voicemail message. He told me that I owe {$800.00} on a {$400.00} loan if I pay today. If I do not pay today, I will owe over {$2000.00} related to interest and court costs. I asked about the person who left the voicemail on my phone. Mr. XXXX told me that she had misrepresented the matter and that she does not work for the same company, even though they both had the same case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: CA

Complaint narrative:
A place called Capital Management Services continues to call my number looking for a completely different person ( a woman by the name of XXXX, yet I am a man who knows no XXXX ). I have had my number for almost two decades now so clearly there is a mistake. I have asked them repeatedly to take my number off my list as I have nothing to do with this issue, yet they continue to harass me. The last person I spoke to was XXXX XXXX, and her supervisor is XXXX XXXX. Please make them take me off their list. Thank you.

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