vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have made payments every month using the online feature, however I have been receiving messages that my loan is 95 days overdue even though I make a payment online every month. When I called I was told that my loan payments was not allocated to where it was supposed to go. I called Navient and was told that they were going to fix this problem and reallocate my previous payments but this has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: WI

Complaint narrative:
Similar issue to previous complaint # XXXX submitted in XX/XX/2017. After coming to an agreement to correct Fed Loan Servicing 's error in processing my student loan repayment, they have once again sought to increase my repayment step-up by more than 89 %, which is completely unacceptable. I contacted the Fed Loan Servicing office indicating that I've had this issue in the past and that I would not diverge from the original agreement I signed, which called for increases of approximately 20 % every two years. Their response was to revise my repayment plan to an increase by more than 70 %. As you can imagine, constantly having to deal with this organization is unwarranted and unacceptable. Since Fed Loan Servicing has shown a tendency to ignore the needs of their student borrowers, I am once again leaning on the CFPB for assistance. I have also indicated to them I will increase my monthly payment by approximately 20 %, as agreed previously, going forward. I also indicated I will file suit if Fed Loan Servicing attempts to garnish or other means of collecting an inappropriate amount of my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Paid Net Credit XXXX dollars to pay off a XXXX dollar loan. Then a week later they claimed I owed another XXXX dollars. Very shady I want them to cease asking for additional money. Have already been in touch with legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
I sent a dispute to gurstel law firm and they never responded back and they started a lawsuit without giving me the opportunity to dispute the validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XXXX XXXX  refuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.

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 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANS UNIOUN IS INTENTIONALLY DRIVING MY CREDIT SCORE DOWN AND INCORRECTLY REPORTING MAKING CREDIT NEGATIVE.

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 2019-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX was when we began communicating with XXXX XXXX XXXX about our student loans. Since then, we have been making payments to XXXX XXXX XXXX as they negotiate a settlement with Navient and Sallie Mae. We changed all of our contact information on the accounts to XXXX XXXX XXXX XXXX just like they told us to do. The loans are in my wife 's name, and we did not provide any other contact information from my family to Sallie Mae or Navient. Somehow today, on XX/XX/XXXX, Sallie Mae called my stepmother to try and get her to give them my wife 's contact information so they could try and get us to pay them what we owe. This is unlawful and an invasion of our privacy as well as harassment to get us to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I sent a dispute to XXXX  XXXX  XXXX  and they never responded back and they started a lawsuit without giving me the opportunity to dispute the validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
My husband and I decided to try apply for a mortgage. We had our credit history and we saw that a bill went to collection. 
I had only one bill ever go to collection, and I had to call the collection company and request for a letter of resolution. 
I sent this over to the mortgage facilitator but they insisted that I had another bill with another collection company, and told me to call " XXXX '' on XXXX. He works with Receivables Management Partners. 
On XX/XX/XXXX, I called XXXX requesting to know the origin of the bill, and why I had never received any written notice ever before. He insisted I did but I ignored the notice. I then asked if the bill information and statement be sent to me in writing again because I never received any information before, and he expressly said NO. He insisted the bill was from " XXXX XXXX XXXX '' On both occasion XXXX attempted to persuade us to make payments over the phone and expressly REFUSED to send any more information. 
On XX/XX/XXXX, I called XXXX XXXX XXXX, and they said I had settled all the bill I owe them. They are willing to send me a XXXX statement balance. 
My husband called XXXX again, He insist the bill " Might '' be from the health insurance company I used for my XXXX. This health insurance company has since gone out of business. He also will not provide a written statement upon my husband 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
* Vehicle Sold illegally * Credit reporting inaccuracies * Toyota declining to provide primary contacts, Registered Agent, or Counsel, authorized persons on behalf of Toyotas Legal Compliance Department whom responded via https : //portal.consumerfinance.gov with 30 day offer notice * Inaccuracies in response to CFPB * Tortious actions * Request for settlement provided

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The collection agency contacted me stating that I have an unpaid debt and a summons from Ace Cash Express. I haven't had a loan in years from there and I don't think I have any unpaid debt as I settled any debts I had with them. 

They proceeded to get very aggressive and said, " We can do this the easy way or the hard way. Do you want me to call XXXX ( my sister ) or XXXX  ( My Mom ). I can make it look like you're calling them. '' The person then called my family members spoofing my numbers so it looked like me. They also called me pretending to be several of my family members and then said they could " make my life a living XXXX. '' I tried to get them to stop, but they wouldn't even let me talk, the guy just kept yelling at me and harassing me and my family members. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called today about having an account that is supposed to fall off in a couple of months removed from my Experian report for early exclusion. I called and spoke to a representative that was kind but unable to help me so I was transferred to XXXX a Supervisor in the Client Dispute Department, who was rude, cut me off multiple times, and was not helpful at all. Now mind you I've had accounts removed for early exclusion before. And, she stated it can be done but it wasn't an option now, so when I asked her when would be the right time she kept stating XX/XX/20. That isn't early exclusion. Even if she told me, hey no guarantees but try XX/XX/XXXX or late, would've been more help. But her constant rude and belittling responses, failure to give me any additional info is appalling. Experian really should spend more time training their staff, especially the supervisors because XXXX was a jerk! 

Not to mention, early exclusion is a thing. Experian is the only credit reporting agency who is still reporting this negative account. XXXX  and XXXX   removed it almost 6 months ago because the account was completely inaccurate. Experian always has the most issues with reporting accurate information. They really should be shut down.

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 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XX/XX/XXXX XX/XX/XXXXrefuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.

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 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am having difficulties closing my Chase Bank checking account. There is only one Chase Bank branch in the state of Minnesota, therefore I wanted to close this account without making the drive to the only location. There had been no activity on this account for two months as this account was not my primary checking account. 

Contacted Chase Bank via telephone on XX/XX/19 to close both a Checking and Savings account with them. Savings account was closed immediately by the representative with the balance transferred to the still open checking account. I was transferred to another employee to assist with closing the checking account. Customer service representative said the account would be closed immediately with the checking account balance of {$1800.00} was to be paid via check sent to my home within 5 business days. 

On XX/XX/19 ( 7 business days later ) the check had not arrived so I contacted Chase again via telephone. The account representative said the account had not been closed and check was not issued. This representative went through the same steps to close the account and promised me the account was closed and check would be in the mail the next business day. 

On XX/XX/19, I noticed via online banking there was a negative balance of ( {$29.00} ) on my checking account. A check had been issued from Chase bank in the amount of {$1800.00} ( greater than my current balance ) which caused my account to overdraft and go negative. I contacted Chase again on XX/XX/19 to question how this had happened. The representative was unable to explain how this error occurred and was unable to quickly resolve the issue. The account was still not closed and was unable to be closed because the account balance was negative. After 45 minutes on the phone speaking to multiple people, I was finally able to get a stop order was placed on the issued check with a new one for the correct remaining balance issued the next day. I was told it would be another 7-10 business days before the check would arrive. 

21+ business days to close a checking account is unacceptable. This is NOT a reasonable time period for the bank to hold on to my money. I am not confident that this will even be resolved without another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Last month I was charged interest for not paying my credit card on time. I missed the due date, and paid in full. In addition, this month I paid off my credit card entirely so that I wouldn't have any more fees. 

However, I was charged with a considerable interest fee this month because I was out of my " grace period '' when I didn't pay the balance in full last month ( even though I paid the interest fee and all other related fees ). They pro-rated the amount remaining after I paid last month 's fee up until I paid off the entirety of my balance this month, and charged me for *every day* because I was out of my grace period. The grace period clause was unknown to me, so I called Bank of of America to determine why I had been charged when my account was paid in full. 

When I called into Bank of America the representative described the fee and the grace period clause to me. I asked where this clause was located, and she said it was written on the second page of the monthly statement. I asked if the fee could be removed since I had paid in full, had already paid interest fees on the amount the previous month, and because the grace period clause was not well-publicized to me as a consumer. They refused saying it was written on the statement. I told them that it was a hidden fee, and they said I should have read all of the paperwork. I mentioned that even the U.S. government has not held that persons are responsible for reading the exorbitant amount of legal jargon on excessive agreement documents because it would be too onerous to do so at every juncture in which these agreements are determined to be needed. 

After I mentioned this, the rep changed tactics and said it wouldn't be fair to the other Bank of America customers not to charge me, because they were getting charged as well. I mentioned that, in actuality, Bank of America is actually being *unfair* to *all* of its customers by charging this hidden fee. I asked again if anyone could remove the fee, and the rep said that neither she nor her manager could remove the fee. I asked her if there is anyone else who could remove the fee, and she gave me the name of the CEO of Bank of America, XXXX XXXX XXXX. I asked her if there is anyone in between her and the CEO of the company who could remove this hidden fee, and she said that there was not. 

I believe her statement about fee removal to be false, that this is a hidden and unjust fee being thrust upon all Bank of America customers, and that this type of fee should be either removed or more well-publicized by the company.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to use Experian 's website over a dozen times today to obtain my PIN number, login, and unfreeze my credit in order to apply for a personal loan for debt consolidation. Continuous error codes generate, and when I DO log in to the site and try another route, there is an " Oops '' tech error. EVERY TIME. 

On top of all of this, I CAN NOT get a physical human being on the line, despite entering all of my personal information. The prompts simply run through the robotic system, and the phone disconnects. 

This is absurd that I can not reach this company to unfreeze my credit, when XXXX XXXX website did it in under 5 minutes.

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 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX  that they bought XX/XX/2015. This was removed from my XXXX  after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. 


CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX  {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Re : Westlake Financial Thank you for taking the time to read this letter, and I hope your day is going well .Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Westlake Financial account # XXXX. 
I called for an extension agreement deferred payment on XX/XX/XXXX for my account confirmation # XXXX I made a payment of {$210.00} instead of the normal {$50.00} payment to defer a monthly payment. I will include proof of confirmation emails from prior arrangements along with this letter to help my case. I was told if the system reports it late and its not processed in time Westlake will have no problem removing the error. 
I called for a deferred payment on XX/XX/XXXX for my account confirmation # XXXX $ XXXX XX/XX/XXXX payment {$190.00} confirmation XXXX and another payment on XX/XX/XXXX {$180.00} confirmation XXXX, for a total of {$580.00} received before 30 days. 


Best, XXXX XXXX

Company response to consumer: Closed with explanation