vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: IN

Complaint narrative:
I was sent a delinquency notice for a student loan that I co-signed. The American Education Services raised the monthly amount without notification by phone or letter. When I called the company I was transferred 4 times to a different customer service representative. When I asked to speak with a supervisor I was told there was no supervisor available. During the 4 conversations I was told two different dates as to when the monthly amount was changed. One representative stated it was in XXXX of 2017 and another stated it was in XXXX of 2017. I asked the representatives why I was not notified by mail or by phone of the change and one representative answered and said they did not have to notify me because I was only the co-signer and that I would only receive a notification when the loan was delinquent. When I received the delinquency notices there was no mention of the monthly amount being changed. 

American Educational Services also has harassed me for information regarding the other borrower on the loan by calling me in the middle of the night around XXXX - XXXX in the XXXX. They have also contacted family members in the past and have spoken about loan information with other family members who were not on the loan. 
The practices and tactics they have need to be reviewed and investigated as it seems to me is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There was an authorized withdrawal of all my available funds from both my Chase checking and savings accounts.The perpetrator also used my debit card to purchase an XXXX train ticket to XXXX XXXX XXXX and also used it for a Cab ride in XXXX. I called the bank to question the transaction and was told I was responsible for it and it can not be reversed. I was charged multiple insufficient fund fees as a result of this fraudulant transaction. I believe the bank failed to exercise deligence with protecting my account. No notification was sent when the account was emptied. I had to find that out on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have repeatedly been given wrong information by this company. I was told that I need med to follow certain criteria to get a co signer released, and I followed all their guidelines and it took over 5 years and plenty of headaches to finally get the co-signed released. When I originally start anything back I was on able to forward the payments at the time told me to speak to one of my parents to get the money for it to put in the forbearance little did I know that putting in to forbearance would compounding interest I also didnt understand why my student loans would range from interest rates 6 % to 10.75 % They have not worked with me said that there was nothing that they can do. This has been going on for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage request from XXXX that an insurance check in the amount of {$49000.00} be reissued and sent to them. WFHM forged my signature and deposited the check even after I object. Pursuant to Georgia Code OCGA 11-3-116 ( b ) .An instrument payable to the order of two or more persons :... [ i ] f not in the alternative is payable to all of them and may be negotiated, discharged, or enforced only by all of them. '' ( Emphasis supplied. ) OCGA 11-3-116 ( b ). " An instrument is converted when :... ( b XXXX Any person to whom it is delivered for payment refuses on demand either to pay or to return it ; or... ( c ) It is paid on a forged endorsement. ''

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 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LCO Financial Services, LLC
State: OH

Complaint narrative:
I have been the victim if identify theft and fraud and can not seen to to undo the results of this as it pertains to crimes relate to payday loans. 

I believe an intermediary was used with my identification to see what " hits could be found '' in reguards to a quick payday loan. : I have recieved emails from the following intermediary but have been unable unable to make contact with them as their phone line is only useful for loan application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, FL XXXX ; ( XXXX ) XXXX I subsequently recieved communications from payday loan vendors associated with tribal affiliations. 

One was a loan application which was ( fortunately ) denied on XX/XX/018. 
XXXX, XXXX Also goes by XXXX., an economic arm of the XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MT. XXXX. Phone ( XXXX ) XXXX XXXX XXXX A police report has been filed on XX/XX/2018 and will be sent to them requesting all date be expunged. 

The initial payday loan vendor was Blue Loan Trust, who did a " soft credit '' check and approved a loan and has been calling me since. I have filed a police report whic has been sent and the Blue Loan has yet to aknowledge the fraudlent loan and contiinues to call me and send emails.They have not been helpful and have withheld information. My credit has been blocked, so it is disturbing that they approved such a loan. 
The are part of : Hummingbird Funds , LLC an ecomnic development arm of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Mail : LCO, XXXX XXXX, XXXX, WI XXXX, Customer services : ( XXXX ) XXXX FAX : ( 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 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX. They spoke with me and explicitly explained how they would be able to reduce my federal student loan payment by going through their program. Fast forward to today, XX/XX/XXXX, I had gotten a notice that my federal loans were delinquent and in fact the amount went up, not down. Turns out the company I originally signed with turned my account over to Equitable Acceptance and I was paying them for a line of credit. This was not what I was told, nor does the " contract '' tell me anything about student loans. I feel insanely stupid that I didn't think to look more into it, and contacted the company to see what they can do to fix it. They keep referring me to another person and I haven't gotten an answer to fix the situation and stop my false " contract ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was Synchrony Bank ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.

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 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I requested my records from XXXX XXXX XXXX XXXX and was told by XXXX XXXX XXXX XXXX that there was a flood and the only documentation that they had for me was the check  that I signed in XX/XX/XXXX for {$2600.00} and my attendance record. I explained that I was attending school when XXXX suddenly closed the doors. I initially started in XX/XX/XXXX, I took a medical leave of absence due to XXXX XXXX. When I returned they had return my grant money and I had to take out another student loan. I returned to school in XX/XX/XXXX and completed the classes that I needed to take ( I waived the word processing portion and was waiting for the end of the course and the school closed. I have been back and forth with XXXX XXXX for years trying to resolve this matter. They have the paperwork that shows that I was in school as of XX/XX/XXXX and they insist that I wasn't within the 120 days of the school closure. The {$2600.00} loan is now $ 17K plus. I am 22 credits away from my degree and I can no longer pay out of pocket. The course at XXXX was 34 credits and I can't get that either. I am returning to school on a less than a half-time basis, because that is all I can afford. This s a huge hindrance. I am a XXXX for the XXXX XXXX and I am being compensated as if I have a two year degree. I have 114 credits, 34 credits that I can't get credit for and 35 years of work experience. Please help!!! I would prefer a arbitration hearing and not just XXXX XXXX blowing me off. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution 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 2018-06-25 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: U.S. BANCORP
State: FL

Complaint narrative:
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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 2018-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
I used to send a few months at a time by mail to pay my loan payment with Nissan. I noticed and started get calls from Nissan that my payments had not been received. It started taking longer and longer for my checks to be cashed by Nissan. I received another call explaining my account was about to be late for my  XX/XX/XXXX payment. I explained my check was in the mail. The collector said he could take a payment over the phone but at the time I could not afford for the check and the phone payment to clear. Magically my check cleared shortly after the phone call. I immediately stopped mailing checks and started using their online system. It must be nice to be able to hold checks to create late payments. As you can see from my electronic payments always timely. Either this company is trying to create extra money with late fees, trying to discourage people from mailing checks to use online payments, or there was a mailing issue. 
I spoke with XXXX on XX/XX/XXXX and was told I would get a response in 15 days. I did not. I contacted XXXX   XX/XX/XXXX and was told Nissan could not change it without getting fined by CFPB As one can see from my 30 plus years of credit history there has never been a over 30 day late. How is it fair credit reporting with most of my payments are over 30 days in advance and they don't report that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sarma
State: TX

Complaint narrative:
SARMA Collections and XXXX XXXX XXXX. have never afforded me the proper notices of any kind. I have never been noticed or billed for the claimed debt. 
Furthermore, they both are claiming 4 charges to me as 4 individual accounts ( # XXXX for {$1600.00}, # XXXX for {$1500.00}, # XXXX for {$250.00} and # XXXX for {$370.00} ) all of which XXXX XXXX. XXXX. have since disclosed to me over the phone, as each being a drug, given during one XXXX. Said XXXX and hospital bills have been paid by insurance long ago. 
They waited from XX/XX/XXXX until XX/XX/XXXX to place these amount in Collections and post them on my Credit Reports. They have illegally posted their collection after 25 months without notice to me as per Texas Consumer Law. 
I never knew of said charges nor did I ever get notice of them before finding them on my three CRA reports in XX/XX/XXXX or so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have permanently opted out of receiving pre-screened credit offers over a year ago and I continue to receive offers, in my name, most recently from Capital One for their Venture One Card. I am diligent about opting out of every possible marketing program and contact list, be it by mail, phone, e-mail, web, carrier-pigeon or smoke-signal. I, very intentionally, do not want to receive any unsolicited offers or be marketed to. At all. Ever. I view these programs as a threat to my privacy, my identity and my financial security. Additionally, these offers are an unwanted and obtrusive interruption to my personal business and piece of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CT

Complaint narrative:
We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX  account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was XXXX XXXX  ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2017, i sent a certified letter to capital one regarding fraud on my accounts. i received no response within 30 days. recently i have been sent statements regarding my accounts showing all disputed charges. They show that i owe these charges. My accounts were closed as well. I had two accounts. One now shows a balance of {$5500.00} and another {$8200.00}. these accounts should be at XXXX balance.

Company response to consumer: Closed with explanation