vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
My loan was transferred from XXXX  to Mohela. I resubmitted my XXXX  and my payment more than doubled. I don't have a problem with the payment, but Mohela is unable to provide me with the calculations of the payment. 

Income for XXXX {$71000.00} filed XXXX  XXXX XXXX dependents, payment {$78.00}. ( not public data ) Income for XXXX {$71000.00} filed XXXX, XXXX dependents, payment {$230.00}. ( not public data ) My income only went up by $ XXXX, I do not understand why my payment is {$160.00} more per month? 

I have called and they keep trying to direct me to forbearance, that is not what I want. I want the calculations for the payment plan. They say " It is calculated by what information you gave us ''. My discretionary income has not significantly changed, so the jump makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NM

Complaint narrative:
When I called to postpone my XX/XX/XXXX payment to be withdrawn in early XXXX, I was told by an agent that my monthly payment had gone down from {$1200.00} to {$520.00}. I asked the agent multiple times to make sure this was correct, I let him know that I had multiple loans and maybe he was reading something wrong. He assured me that {$520.00} was my new payment going forward. I went onto the website to see the amount due for XX/XX/XXXX and confirmed that it was {$520.00}. The agent and I made a new automatic payment arrangement for the new monthly amount due. When I called in XXXX to postpone my XX/XX/XXXX payment to early XX/XX/XXXX, I was told my account was past due {$920.00}. I was told that the agent I spoke to in XXXX was new and gave me incorrect information. I was told that not only had my payment not gone down, it had gone up from {$1200.00} to {$1500.00}. I let the supervisor know that I could not afford that and could not even afford the previous payment of {$1200.00}, which was a lowered payment agreement I had made about two to three years prior, after being told multiple times that I did not qualify for a lower payment based on my income. The supervisor checked my account in this instance in XXXX and once again told me that I do not qualify for a lower payment based on my income. The best she could do was to lower my payment by $ XXXX if I payed interest only every month. I was told that my monthly payment had gone up due to an interest rate increase, which I do not believe since I recall my interest rates being considerably higher when my payment of {$1200.00} was set in place. I am struggling financially with this supposed error made in XXXX since it has resulted in a now {$2400.00} past due amount in addition to {$48.00} in unpaid fees. Since I was unprepared to make my XXXX payment of {$1500.00} XXXX asked to make the {$520.00} payment as planned for XXXX in early XXXX, and I would begin making the new {$1500.00} at the end of XXXX. This new payment along with slowly bringing the past due current is going to further make it difficult to meet all of my monthly obligations, pay for my health care, and put food on the table as it takes roughly 50 % of my income. These difficulties have been present and insurmountable for years because if Navient and are now made even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received the {$500.00} cash bonus for business checking account I applied on XX/XX/2022. 

Bank of America is denying {$500.00} cash bonus for my account on the categorally false conclusion that the bonus requirement includes " only for business accounts who were specifically targeted ''. At the time when I applied on XX/XX/2022, the bonus was available to all new BofA applicants and didn't include the targeted customer requirements. BofA later changed the terms to include the targeted customer language about a month later, in mid XXXXXXXX XXXX 

The attached pdf file shows the terms of bonus from BofA checking account application website on XX/XX/2022. As clearly indicated in the first line of their requirements, which I've copied in quotes below, there's no mention of targeted customers as a requirement to receive the bonus. 

( " '' 1 This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America XXXX XXXX Banking account within the last twelve ( 12 ) months. Only one bonus ( {$500.00} ) per business customer, regardless of the number of businesses owned or operated by the customer. '' '' ) Since BofA added the targeted bonus requirement later on mid XXXX, but not when I was approved for the account on XX/XX/2022, I would expect BofA honor their end of the bonus terms.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX sent a bill ( they continue to charge me after I had already cancelled my account ) to a collection agency and they say they would put the " non-payment '' on my credit report if I didn't pay it. What they use to call 'extortion ', now I guess it's just the way companies treat customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute claim with Bank Of america regarding fraudulent charges in the total amount of {$8600.00}. Literally 1 day after submitting my claim they sent out a letter stating they completed their review, denied my claim, and closed my claim. On XX/XX/XXXX I asked them to reopen my claim aftet recieving notices from Bank Of America stating that they were no longer using an automated filter to investigate or close claims of unauthorized transactions on the basis of concern that the account or the claim have been the subject of fraud or suspiscious activity. They also said the following your unauthorized transaction claim was previously closed because of concerns that the account or the claim have been the subject of fraud or suspicious activity and we have already reopened and begun to investigate your re-opened claim, we will complete our investigation and resolve the claim by XX/XX/XXXX ; and if we have not completed our investigation by XX/XX/XXXX, we will provisionally credit your account on or before XX/XX/XXXX for the amount alleged to be in error. 

It is now XXXX XXXX and my claim still has not been investigated or resolved. I contacted Bank Of america several times and was not given any information as to why my claim was not resolved yet and why I had not recieved provisional credit either. I recently contacted them again on XX/XX/XXXX and filed a complaint with them about my dispute claim. I was told I would recieve a call or letter or more information within the next few days and still I have not heard back from Bank Of America.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Property settlement agreement due to divorce states that I am to receive the home and to refinance mortgage in my name alone. I refinanced with another bank and came to closing with entire escrow amount and original lender was to send me the escrow refund and this was to take 4 weeks. In 4 weeks on XX/XX/XXXX I called WF to check on status of check. was told by WF representative that my escrow overage check was mailed to ex-husband. Told rep that check was send to wrong place and must be Stopped and reissued bc Ex- husband will commit fraud and cash the check that does not belong to him. Rep confirmed that check will be stopped and re-issued on the call. 
XX/XX/XXXX I Called WF for status since never received check and was told that check was never stopped and never re-issued and ex-husband already deposited the check to his personal WF checking bank account without my knowledge or permission. I opened fraud investigation. Check was payable to both our names was in the amount of {$13000.00}. 
An investigation was opened and WF determined that they are not a fault and this is a civil matter. 
WF made 3 mistake that could have prevented him from stealing the money 1. they mailed the check to the wrong address and name. should have been only to me 2. they lied on the XX/XX/XXXX call and stated they STOPPED and RE-ISSUED the check 3. Allowed ex-husband to deposit the check ( payable to both our names ) to his personal checking account with only his endorsement. 

If on XX/XX/XXXX the rep told me that he is unable to stop the check- I would have immediately reached out to my divorce attorney who would have taken appropriate measures to ensure that this check is safe and returned back to me I've spend hours and hours on the phone with WF- they kept me on hold for 2 hours at one time then hung up on me and are very unprofessional

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 2022-12-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX. 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.

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 2022-12-27 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 — Was not notified of investigation status or results
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX. 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. 

I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. 

I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. 

With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. 

I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. 

PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX, opened a new citi bank account on XX/XX/22. I then proceeded to deposit XXXX by a check from my joint account with my husband at XXXX bank account on XX/XX/22. After depositing the money into the citi account, I was informed that Citi closed my account due to suspicious fraudulent activities even though there was no other activity on the account. The Citi account was closed, but Citi still has not returned my {$76000.00}. I called Citibank several times but no one is willing to verify the facts and return my money. Please tell Citi to give me the money back and reimburse me for the loss of interest.

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 2022-12-27 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
fradulent accounts reporting on report

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 2022-12-27 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: CA

Complaint narrative:
I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed XXXX and it was XXXX as of XX/XX/XXXX. It has been little over 8 years since and putting my life back on track credit plays a high roll. As of XX/XX/XXXX. My XXXX still sits on my credit report. As I am working diligently to stabilize my future as a single mom rebuilding my credit has been an essential part of our lives.

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 2022-12-27 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: FL

Complaint narrative:
CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I have a secured credit card with Capital One, have had it over a year now. Have never missed a payment. I was told by a supervisor that it can be made into an unsecured card and the amount I initially put on it would be credited to the card. They are giving me the run-around on this. I asked for this change from secured to unsecured almost a month ago and they have not done anything at all! There is no dept they can transfer me to about this either! They have very bad customer service in regards to this. I want a call back from that department now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase checking account was compromised when I wrote a check out for my homeowner policy ( fire insurance ) for XXXX and was cashed by an individual not associated with the company. My inquiry with Chase started XX/XX/2022. They told me that another bank XXXX XXXX  XXXX XXXX ) accepted the check and was resubmitted to Chase. 
After three months of inquiry I received the same message that Chase fraud department has sent notices to XXXX  XXXX XXXX. Now I am told that it will take five months to resolve. 
I hope that this agency can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was checking my credit report and saw a debt. I reached out to the agency IC Systems INC, the company listed on the report. They could not give any information. I reached out to XXXXXXXX XXXX XXXX  today XXXX they explained to me that I do not owe them any money from XX/XX/ in the amount of {$56.00}.

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 2022-12-27 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
on XXXX XXXX, I went into XXXX XXXX XXXX XXXX placed a application for a XXXXXXXX XXXX XXXX through Tower Loan, i was told that the loan would be 180 days, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from Tower Loan, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to XXXX XXXX account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with Tower Loans Staff, I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the XXXX XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from Tower Loan, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )

Company response to consumer: Closed with explanation