vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In an effort to get out of debt and improve my credit score, I did a cash out refinance on my home and used the cash to pay down 3 credit cards. On XX/XX/2019, I made a payment of {$9000.00} to my Bank of America credit card. This left me with a remaining balance of {$3200.00}. On XX/XX/2019, I received an alert email from Bank of America stating that they had decreased my credit limit from {$12000.00} to {$3400.00} effective immediately. No notice or specific explanation. They did manage to tell me that any purchases I recently made or automatic debits may not process and would be returned. This effort to improve my credit score is now futile because this decrease in my credit limit will negatively impact my credit score and my utilization ratio. Immediately after receiving the alert email I called Bank of America and was told that the only department that could make any changes, was in a " back office '' and not accessible to the staff. Only a shady business would say such a thing and treat their customers this way. 
On XX/XX/2019 I received another email from B of A. This one informing me that my statement was available and I had a payment due of {$120.00} and my credit card balance was now {$3300.00}!!! I had made no purchases. I decided to print 2 of my credit card statements. The statement before my {$9000.00} payment and the one after. As per the Credit Card Accountability, Responsibility and Disclosure Act of 2009, my payment was was not allocated as required by law. They did NOT pay off the highest interest rate balances on my card first ( Bank Cash Advances at 21.49 % ) As a matter of fact, they paid very little toward the Bank Cash Advances. They applied the largest portion of my  payment toward my Purchases at 8.49 %. So I am still being charged 21.49 % on a large portion of my remaining balance. This added an extra {$43.00} to my balance due. They are violating the law and think they are untouchable. Apparently being sued by the government for prior violations has not deterred them.

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 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I personally filed a complaint against Navient, alleging that Navient promised that my loan was eligible for public service loan forgiveness, only to find out later that my loans did not qualify. 
Phone recordings from Navient, selectively produced by Navient, seem to indicate that I was told my loans don't qualify. 
However, Navient never told me that my ineligible loans could be made eligible very easily by converting my loans to direct consolidated loans. I assumed that if my loans were not eligible for PSLF that I could never take advantage of PSLF. I didn't know that the nature of my loans could be changed, as Navient never told me they could. Instead, Navient told me I wasnt eligible for PSLF, but that there was good news because I qualified for lower payments with an income- based repayment plan. 
I have a phone recording from Navient ( given to me by Navient ), wherein a Navient supervisor tells me that Navient reps, once they know you are a public servant, are supposed to immediately notify you that to qualify for PSLF, you must convert to a direct loan. I posited that it must not be in Navient 's best interests to tell public servants about converting because that would mean that Navient loses my loan and interest payments to XXXX XXXX. The supervisor agreed with me. Then she reiterated that she was shocked that I wasn't told to convert to a direct loan. 
Navient has had my loan since XXXX. Had they told me about converting to a direct loan back then, I would have been eligible for PSLF by XXXX! Now, I'm not eligible until XXXX, 6 years after i'm scheduled to retire! 
I am also curious as to whether CFPB 's lawsuit against Navient is at least partially based on Navient, in order not to lose thousands of loans, not telling public servants of the need to convert to eligibility direct loans to qualify for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Nelnet, Inc.
State: MA

Complaint narrative:
3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. 

XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX   XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IN

Complaint narrative:
A thief has intruded on my XXXX XXXX card twice and stole out of both times, second time recognized me at a store after he had charges filed for stealing my card then the money off card ilived on XXXX XXXX in XXXX indiana XXXX area wen card then was changed to another addy then funds were removed. inever knew about fraud thru alerts or anything till i called to find out where disabilities monies didnt get placex on card on day was supposed to be deposited. Come to find out they tried to gather and change all my mailing info and then passwords. This was possible as they stole mine and spouses id 's and social sec cards and birth certificates. The only thing didnt have was pin numbers. But as the theft happened the second month i found out the pin was somehow bypassed. XXXX   XXXX tho has police report from XXXX district of the Impd fraud unit. XXXX   XXXX took longer then the 90 days allotted and then wen i called quickly sent letter after my inquiry that no fraud took place to avoid admitting they had no security that a person intruded and changed my account. They never investigated and then i lost home and bills sky rocketed as i cldnt pay bills like i did every month. I never got my money back so basically they robbed me a third and fourth times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, XXXX, TRANSUNION, and XXXX, and they did not respond.

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 2019-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX//2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/ 2018 I sent a dispute letter to the Credit Bureaus, XXXX, XXXX, and EXPERIAN, and they did not respond.

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 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: IL

Complaint narrative:
XX/XX/2019 XXXX XXXX  1. Collector implying a delay in getting back to him after I requested to contact the original creditor to verify why debt came to collection, since payment plan was in place. 
2.Collector suggested to me to use one of my credit cards to pay off the medical bill that is in collection because I have a good credit. 
2. He threaten to report me to an agency for non-payment of a medical bill that I have a payment plan and have honored. 
3.Collector told me that I don't belong to the category of debtors to be paying such small amounts and also that I always pay all my other debts except the medical bill. 

XX/XX/2019 1.Collector declined my suggested payment amount and insisted on a different amount. 
2. Stated my call was being placed on hold because " he had to answer another call from someone that was paying him {$5000.00} '' No return call. 

Prior, repeated calls, voicemails and use of strong and pushing language.

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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter. 
My complaint is that I have received no actual statement from PHH and payment is due in 3 days. 
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal. 
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Evening, and please help me with this. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX my collection balance of {$500.00} was paid in full. I received the confirmation number and was told any future charges would be cancelled and it would come off my credit report on the next billing cycle. It came off my report and I though I was done. On XX/XX/XXXX I was charged {$250.00} ( half of what I owed ). I spoke to XXXX the morning of the XXXX when the charge was posted to my account and he requested I email him the bank statement which I did around XXXX in the morning on the XXXX. He said he was the one who helped me in XX/XX/XXXX and that he knows the account was paid in full and that he had cancelled the payment. He then gave me the number for a woman named XXXX and said she would be taking care of it. I spoke with XXXX on Wednesday who said they would handle it. I spoke with her 3 times on Thursday and she said " they '' were still looking into it. On Friday around XXXX she said I should be getting a call for the refund, which I did not receive. On Monday morning ( today ) I called this morning and spoke with XXXX again who said that they were waiting for my balance to post on their system so they could process the refund. I requested to speak with the manager who's name was XXXX who told me the same thing and requested I reach out before XXXX if I don't hear from anyone. Around XXXX Monday afternoon I called XXXX who told me XXXX was on the phone and he would reach out before XXXX or to call soon before XXXX if I hadn't heard from him. At XXXX I contacted them again and said he was still on the phone but he would call me back as soon as he was off. I did not hear from him. I called their after hours line at XXXX Monday and they said he left already. It has been almost a week since they took the money from my account for a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I made an online bank transfer from my Union Bank account to a third party account at XXXX XXXX XXXX XXXX. Amount was for {$3500.00}. I made the transfer on XX/XX/XXXX. As it was a holiday, the bank scheduled the transfer and said the process will take 2 days. 
Money was taken out of my checking account on XX/XX/XXXX. As of XXXX Pacific Time on XX/XX/XXXX. The beneficiary still claims to not have received the funds. 
I made several contacts with my Union Bank and they insist it usually takes 3 business days and to wait. They said the online method I use for transferring the fund was via External Transfer and not a wire transfer. They couldnt even supply any financial tracking reference numbers or records showing the amount has been transferred and to the proper account. They said that if by XX/XX/XXXX the beneficiary hasnt received the fund, I should make a dispute claim which can take 7-10 business days to return the funds. I feel this is taking advantage and unfair on the consumer as they need to be responsible and accountable for handling your funds.

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 2019-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has called me at work over five times in total. After the very first call, I made it clear to the representative on the phone this type of communication is prohibited by my employer and they are not to call my work number. I then gave the rep my personal number, verified my address, and gave them the best time to contact me. This first instance was over a year ago. 

In this month alone I have received XXXX more calls from Navient at work. I received a call on XX/XX/19, XX/XX/19 ( the rep hung up when I answered XXXX, and again today on XX/XX/19. On the XX/XX/XXXX call, I reminded the rep that my employer doesn't want me taking these calls and could lead to trouble. I again gave them my number and best times to call. The person on the phone confirmed that they would use my given method of contact to communicate with me in the future. 

During the prohibited office call today, I asked the rep immediately if there were any notes from my XX/XX/XXXX discussion with them. They noted everything that was discussed on XX/XX/XXXX except for me telling them not to call me at work. This is utterly ridiculous. I would've hoped that after explaining to the Navient reps that calling me at work is strictly prohibited that they would stop. This has not been the case. 

I am attaching a signed document that I have faxed to Navient tonight stating that they are only authorized to contact me at the address and number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I settled and paid this debt on XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX. It reappeared back on my credit report dropping my credit score, as well as XXXX  XXXX sending or selling account to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$160.00}. This account is also showing an inaccurate amount for the credit limit that was given to me the Credit Report. I informed the credit bureau, the creditor and the collection agency of this and have asked them to remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: SC

Complaint narrative:
I provided all of the necessary information to Experian via their website and the website said they can not place a credit freeze on my account at this time and I have to send all my information by snail mail. I would guess I freeze and unfreeze my credit once a year on average and Experian always says they can not do it online. What's interesting is that I never have any problem freezing and unfreezing my credit with XXXX or XXXX. Also, neither XXXX nor XXXX is as aggressive about selling identity theft protection as 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 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management
State: TX

Complaint narrative:
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The debt was paid and the company told me that they would remove from my credit report and they lied to me I am very disappointed the way that company lied to me in order to get their money very deceiving company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: MA

Complaint narrative:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX  directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.

Company response to consumer: Closed with explanation