vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I used my card to make a purchase at XXXX XXXX on XXXX and the transaction went through. I forget something and went back to purchase another item and the transaction was declined. My wife used her card ( joint checking ) and was also declined. There was over {$1000.00} in excess funds in the account. I received a voicemail on the morning of XXXX saying my card was flagged for a fraud alert and placed on hold. I called, verified the transactions and was told that the hold was lifted. Went to lunch 5 hours later on XXXX and was once again declined. Call the bank and was told that there was still a hold on the card that should have been lifted based on my my earlier interaction with them. They can not tell me what triggered the fraud alert and am subjected to being humiliated in of strangers and co-workers when my card gets declined when " MY '' funds are unavailable to me. This is at least the XXXX or XXXX time that this has occurred to either my wife or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Credential Acceptance Corporation
State: CA

Complaint narrative:
The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to unfreeze my account with Equifax since mid XX/XX/XXXX. It is now XX/XX/XXXX and after 10 phones calls my account is still frozen. I called today and was redirected to call 6 different phone numbers to cancel my account. After 4 hours of calls and waiting to speak to a representative they have told me my account is closed. I have my doubts since for a month they told me my freeze had been lifted. Most frustrating and unorganized company I have ever had to deal with. They have had my finances frozen for over a month and this has been an extreme hardship. They are uncooperative and continue to give the runaround. They do not resolve any issues and give different excuses as to why things were n't completed with each call. Hate them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: LoanCare, LLC
State: CO

Complaint narrative:
We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with this.

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 2017-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: OK

Complaint narrative:
I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to help 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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX 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 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email saying the terms of my account have changed. Right after I recieved and email saying the status of my account was changed to Disaster Forbearance. I didnt make this change to my account so I called to get it corrected. Because my address on file was in an affected area of hurricane Irma, I automatically qualified for my account to have disaster forebearance. I didnt want my account to have this because I would have capital interest and my payments would have gone strictly to interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: NJ

Complaint narrative:
After I became aware in XX/XX/XXXX that I was a Victim of Identity Theft and obtained a Police Report, I mailed them to all 3 major credit reporting agencies : Experian, XXXX & XXXX. However, Experian decided to cause me an unlimited amount of aggravation!! 

First, I 've initiated hundreds of disputes online, via mail, and over the phone. They never attempted to honor my request which by law based on the FCRA the CRA 's must legally not only remove the fraudulent accounts but also block them from reporting again should the creditor try to put them back on. 

It came to a point where Experian does now allow me to initiate disputes and they told me on the phone it 's frivolous, and they will never honor my request. 

Thanks XXXX it 's only Experian that does n't abide by the law and I give credit to XXXX and XXXX by removing them within 24 hours. 

I 'll be attaching a copy of my recent Experian report along with my police identity theft report which will show exactly the accounts that are fraudulent and Experian refuses to remove them. 

I have to add one more thing, there 's also 2 fraudulent account which is n't on my police report because at the time I got the police report was XX/XX/XXXX and the account which is not on the police report is PENFED CREDIT CARD, the reason is that it began reporting on XX/XX/XXXX. 

Lastly, these fraudulent accounts ( or at least most of them ) were opened using an address which is not associated with me as you can see on the report " XXXX XXXX XXXX XXXX '' and I would like to quote what Experian told me ; and these were their words " WE ARE UNABLE TO REMOVE THIS ADDRESS FROM YOUR CREDIT REPORT SINCE THERE ARE ACCOUNTS ( MEANING THE FRAUDULENT ACCOUNTS ) THAT WERE OPENED USING THAT ADDRESS, AND THEREFORE WE DO N'T BELEIVE THAT THIS ADDRESS IS N'T ASSOCIATED WITH YOU ''!! 

Common ; they admitted these accounts were opened using this address which is not in any way associated with me, instead of using it as the number one proof that these accounts are fraud!

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 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center. 
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.

I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MI

Complaint narrative:
How do I stop Discover Card from calling me every single day, including weekends and holidays. 
I have request a " cease and desist '' to Discover many times including through the CFPB over a week ago. 
I have asked for all communications to be written to ensure there is no misunderstandings of facts I have informed Discover Charges on this account in my name are identity Theft I even took a phone call from Discover on XX/XX/2017 -  This is the first time and only time I talked to someone verbally over the phone. During conversation I informed Discover the charges are not mine and are not authorized be me. 
I truly believe Discover has refused to honor my request and honor federal and State laws, deliberately for the purpose to harass me. 

So let me specific again, I do not want Discover to call me over any phone. If Discover wants communications they can do so via USPS, email or XXXX. 
DO NOT CALL ME, THIS IS VERY STRESSFULL, It is preventing me from sleep, I am stress all day, I am XXXX years of age and did not create this mess. 
On XX/XX/2017 discover called me at : XXXX XXXX ET and XXXX XXXX ET they called again. 
I will file complaints every day through this platform to produce a record for further litigation

Company response to consumer: Closed with non-monetary relief