vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
In spring of this year ( XX/XX/XXXX) I sent in my income documents after I got a raise at work so they could re-calculate my Income Driven Repayment plan. The repayment plan I was on before sending in my info was due to end on XX/XX/XXXX. As of today, XX/XX/XXXX, they are still not done recalculating my new monthly payment amount. 

I have called multiple times a month, month after month since sending in my documents, and they always tell me it will be ready in 7-10 days. However, this has been untrue each time. In XXXX they put me into forbearance so I would n't have to pay XXXX XXXX dollars that I would owe without a repayment plan. I am working on the Public Student Loan forgiveness  program, so each month they push back recalculating my loan, it is costing me money that would have been forgiven at the end of that program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have an existing complaint filed but they bank is now claiming they can not provide a deed in lieu as they already started legal proceedings. They told us we had to do a short sale first ( we did, they denied the offer we got ) and they continued legal proceedings through the process they said we had to do, now they claim its too late for a deed in lieu. They are the ones who cost us wasted time and now are using it as a reason to foreclose. 

We provided paperwork last time but would be happy to do so again

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 monetary relief
Consumer complaint received 2017-08-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.

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 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! 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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northwood Asset Management Group
State: UT

Complaint narrative:
This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 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: IL

Complaint narrative:
On XX/XX/XXXXof 2017. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : Equifax, XXXX, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XXXX 2017 presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX  of 2017, they ( credit bureaus ) stated they will not remove any of the  information as it is verified. I provided again in XXXXXX 2017 a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION

Complaint narrative:
I continue to receive calls and letters from Sallie Mae / XXXX. I have made several attempts to speak with a representative to enroll in repayment plans. The representatives states that they do not offer income based repayment plans only short term forbearance payment plans. 

I have be ignored of my complaints, they have provided inaccurate information and offered only high cost repayment plan. 

My research of my loan compared to other student loans I received a subprime high interest rate and terms. 

My co-signer has made request to become released from the loan and has been ignored of her attempts. 

I am interested in the income based repayment plan. ( PAYE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: AES/PHEAA
State: TN

Complaint narrative:
I checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Financed a vehicle from XXXX of XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over XXXX when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at XXXX. XXXX was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. XXXX on my credit for what I originally owed. Every month or so the balance would go down to XXXX and then back up again to almost {$7000.00}.

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.

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