vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Received letter that a toll debt was due from the Florida Turnpike. I paid the debt 3 years ago. Rather than listen to reason, the rep would only discuss that she can't see the original debt systems and she only knows what was referred to her. She even indicated that even if the original debt was settled I'd have to pay her additional collections fees. Lastly, she indicated I'd lose my car registration if I didn't pay. 

We're talking about a {$13.00} bill, which I obviously could just pay - but I'm very frustrated by the lack of accountability and the way the debt holder has distanced himself from the debt collector and just made it too administratively difficult to dispute - hence the customer will choose to double pay rather than jump through the hoops. I have a " receipt '' for the paid toll but it's just a line item in a 3 year old credit card bill, and they've since tacked on some fees so the amounts don't match, and they can't produce the original bill to show that the amounts would match. Due to the age of the debt, it's not something easily produced as a canceled check or something. 

The representative was reasonably rude about the whole thing and was making sarcastic comments when I offered to pay her something short of the balance just to make it go away. I mentioned to her several times that I thought she was being rude, and she informed me that I wasn't her customer, and this wasn't a customer service call ; and if I paid my bills, I wouldn't have to deal with people like her - or something substantially similar to that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: CO

Complaint narrative:
XXXX XXXX falsely claimed to a collection agency XXXX XXXX XXXX that I owe them {$100.00} from 2015 citing an account number that is not mine. I still have a different XXXX XXXX account number with a zero balance on automatic payments. I believe XXXX XXXX is either negligent or engaging in illegal business practices to try and force me to pay them money they are not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
XXXX XXXX sent notification that my account was closed XX/XX/ 2018. Since, they have acted fraudulently, lost payments, misapplied payments, and delayed the final payment of a XXXX insurance claim, and charged added interest during the process. The company actually owes me over 600.00 dollars, and continue to stall the process avoiding due payout. I have spoken endlessly with various " managers '', and have had to repeat facts which apparently are not actually responsibly documented. 
XXXX XXXX failed to act ethically, and made no bones about the excessive hours and iterations of the same problems without consideration for the corrupt records, or the future errors and effects that would have on my near perfect credit. I will never deal with this company again, the administration is confused and act irresponsibly with regards to client accounts. They can not be trusted. 
I would attach files, but the record of XXXX is too thick to manage in one PDF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.

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 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months

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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: AZ

Complaint narrative:
spam call everyday. owe no debt so please go after these XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
I disputed with XXXX a charge incurred in XX/XX/2017 on my Morgan Stanley-XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. The hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

After receiving no satisfaction from XXXX, I provided all of the above information in great detail both in writing and orally to Morgan Stanley, whose name brands my card. But Morgan Stanley has refused to take any interest in this issue. No one from Morgan Stanley spoke with me, and Morgan Stanley clearly gave no consideration whatsoever to my clear and legitimate concerns. It is apparent that Morgan Stanley feels no responsibility to ensure the integrity of its co-branded card.

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 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: PA

Complaint narrative:
I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX  someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
unverified account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Skopos Financial, LLC
State: CO

Complaint narrative:
XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. 

Company is Skopos Financial phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Ic systems is reporting and attempting a debt for XXXX XXXX. XXXX XXXX debt is invalid, As i was protected under the Soldiers and Sailors ACT. I was deployed, and notified them to my file acct on hold, per the act. And they did not. They are in violation of the SSCRA And I do not owe this debt.

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 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 2018-02-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have sent XXXX disputes to Equifax in the past XXXX days, and they keep sending me stall letters. They have yet to provide me with results, but they do stall and keep asking me for information I have clearly submitted to them several times, and still won't provide results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove my identity

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 2018-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I was offered a grant from HESAA and was asked to accept or decline the offer, after I accepted it and started school at XXXX. I was surprised today by an email telling me that NJ state higher education has cancelled my financial aid. Now I'm stuck with the school is charging me XXXX % of the tuition fee even if I drop the classes as I have to take a loan or pay out of pocket. I feel like that I was trapped by HESAA to take the loan. I'm sure that this inconvenience was not from my part and I think somebody made a mistake on HESAA by offering me the aid and cancelling it few months later after I accepted it and I would be happy if I can get help from you to fix this issue by reviewing my FA application again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

Company response to consumer: Closed with explanation