vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 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: AL

Complaint narrative:
I initially had my loan with XXXX University and was paying them back under the terms specified. The next thing I know my loan has doubled from what it initially was and bought out by XXXX. I then began paying them as stated the amount has now doubled. I paid them for several years and then my loan was sold again to Navient and I am back to paying the original loan that I started out with XXXX University. I feel that this whole system is a scam and I have been paying these people for years. I feel this on-going practice is robbing me blind. I graduated from XXXX University in 2008. I have been paying on this student load since before that time. I would like someone to investigate this matter. I tried to do a loan forgiveness because I work with XXXX XXXX but was denied because they said the dates did not match what they had on record. I feel that was a total fabrication on Navient 's part. Again, please have someone investigate this matter as soon as possible. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My previous address was in XXXX XXXX, XXXX Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.

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 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. 

They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. 

I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day  time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. 

I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. 

XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. 

I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). 

XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Card continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my XXXX XXXX credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL Chase Card inquiries from my XXXX XXXX credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute over and over with XXXX XXXX there was 2 account open fraudenlty in my name one have since been removed but I have one they keep claiming belongs to and the infomation they are using is a phone number that activated the card that do not belong to me I advise it to them that its not my my phone number the name and number its with XXXX XXXX XXXX under XXXX XXXX and im beimg advise it under XXXX with my name which XXXX have no record I faxed proof and they claim its not vaild this is hindering me and I need removed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: IL

Complaint narrative:
I graduated from XXXX XXXX in XXXX. I plan to work for a XXXX XXXX  and so initiated on the income based repayment plan, with hopes I would qualify for the Federal Student Loan Forgiveness program. Initially, this was not a big issue. However, several years ago, my loans were transferred to Pennsylvania Higher Education Assistance AgencyXXXX and ever since even enrolling in income based repayment is an issue. This year, I submitted my financial information via two sequential paystubs at the end of XXXX. Apparently, they sent me a letter ( otherwise, all my payments/communication done via email/online mailbox in this system ) telling me this was not accepted as it did not state if I was paid twice a month or every other week so it was refused. I started to be billed for regular payments on a standard 10 year plan, with a monthly payment of ~ {$3700.00}. I work in XXXX XXXX and finally called - all they needed was for me to tell them over the phone and resubmitted the request last week ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following message " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' I called them today ( XX/XX/XXXX ) and after a 15 minute wait to get someone on the phone, they state that this was generated in error. The gentleman I finally spoke with on the phone did state I needed to make a forbearance payment before even being eligible to switch the plan. He put in a request for this, and I should get a bill for this in XXXX or XX/XX/XXXX, after which they will reactivate my request and hopefully approve me again for income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.

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 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my Trans Union credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL XXXX XXXX inquiries from my Trans Union credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED 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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded.

I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? 

I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.

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 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I went into XXXX XXXX XXXX  XXXX XXXX during XXXX, 2015, after a XXXX XXXX on my hand. At the time I was in College and used my school health insurance, and paid a small co-pay for my visit. The doctor had thought that I might need XXXX but I healed without it. I have been billed for {$510.00} on XX/XX/2015 and XXXX on XX/XX/2015 totalling the amount of {$820.00} for 2 separate appointments, I only went to XXXX XXXX XXXX 1 time for my injury. I did NOT get XXXX on my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OR

Complaint narrative:
The company Dynamic Recovery Services called me to resolve a debt from 20 years ago. I don't know how they got my number.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX  has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX  and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a loan.

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 2018-03-14 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: Credit Plus Inc
State: TX

Complaint narrative:
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: IL

Complaint narrative:
Our servicer Oceanside Mortgage migrated to a new payment system. I set up the XX/XX/XXXX payment manually due to the migration change. I additionally set up the bank information for automatic debit. 

For some reason, Oceanside did not process the auto payment information and did not take the XX/XX/XXXX and XX/XX/XXXX payment. When I discovered this in XX/XX/XXXX, I contacted Oceanside and discussed ways to make up the shortcoming.

We agreed upon three payments in XXXX XXXX XXXX and XXXX to rectify the balance issue then resume our regular payment. Payments are being made as scheduled. 

Oceanside is however continually contacting us and sending letters starting account is heading to foreclosure. We contacted them several times, they have acknowledged the payment arrangement but continue the mail email and phone calls. 

We want the harassment to stop and for them to honor their agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation