vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was scammed by an online scammer for {$600.00}. He tried to convince me to pay him {$600.00} through BOA XXXX service. A few minutes after I submitted the transaction using BOA mobile app, I realized that I was scammed as I searched the scammers information on XXXX. I started to contact BOA immediately to seek help and got nothing but frustration in return. 
First of all, it is around XXXX XXXX time, I could not find any telephone custom support from BOA since they end at XXXX eastern time. I searched for hours until I have to call BOA credit card department. After waiting for more than 30 mins, eventually the custom representative told me I can still call the next day to cancel the transfer or file a dispute to get my money back. But I have to contact XXXX first. 
With high hopes, I slept for a few hours and woke up XXXX on XX/XX/XXXX because the XXXX online custom service opens at XXXX XXXX XXXX. I was told by XXXX that I have to contact BOA as they are the bank initiated the transfer. I had to call BOA and waited for another half hour. I was then transferred to fraudulent department who then transferred me to move-money department. After more than 1 hour since I started calling BOA, XXXX department representative told me that I will not be able to get my money back unless the scammer gives back the money willingly. After about half hour frustrating talk, I asked to talk to higher-tier representative. He just hung up on me. I had to call BOA again and waited another half an hour to be transferred to high-tier manager, who in the end confirmed explicitly with me that they can not do anything unless the scammer agrees to return the money willingly. BOA will simply transfer the responsibility to XXXX XXXX for them to contact the scammer. 
Based on the internet search, the same scammer uses BOA XXXX XXXX holes, and the unwillingness of BOA to protect its own customers, for more than 2 years without any action from BOA. 
I fully admit that it is my fault and misjudgment to submit the transfer and trust the scammer. However, the handling of the case from BOA is completely unacceptable to me. As a custom of BOA for more than 10 years and stock shareholder, the ignorance from BOA by providing such a vulnerable service, so susceptible to fraudulent transaction, without any protection to its own customers for years, makes me feel frustrated and infuriated. 
My case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My complaint might seem strange. All I want to do is pay for what I charged on my HSBC card. 
In XX/XX/2018 I applied for, and received a credit card from HSBC. I made two charges on the account totaling about {$200.00}. Since I have incurred the charges, I have not received a single statement or communication from HSBC. They have not allowed me to access the account on their mobile app.. I have tried to contact the company on numerous occasions to try to pay the account balance. I have spent in excess of five hours on the phone trying to get this situation resolved. At their request I have sent multiple emails ( copies attached ) trying to obtain a statement. I get no reply and they wont communicate with me, but they have no problem communicating with the credit agencies to report my account delinquent. I have never missed a payment on any account in over 50 years and now my XXXX   score has dropped from XXXX to XXXX. Needless to say Id like to get this resolved. 
Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: MI

Complaint narrative:
I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). 
I am attending a XXXX  program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. 
I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. 
Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. 
Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....

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 2018-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC
State: KY

Complaint narrative:
Bankruptcy discharged without refirmation. Then transferred to Fays Servicing, failed modification. Relocation check, then Redress check for {$150.00}. Now IRS bill for {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control
State: CO

Complaint narrative:
I have a satisfaction of judgment that was filedXX/XX/XXXX by Agency of Credit Control XXXX XXXX for a paid medical debt. I checked my updated credit report in XXXX of XXXX and it shows that Agency of Credit Control XXXX XXXX re-listed the accounts satisfied in the judgment as paid closed collection accounts, and stated they were closed in XXXX of XXXX ... over a year after they were closed. This caused a 77-point drop in my credit score. I already received a negative hit to my score when I got the judgment. Essentially, I was unduly penalized twice for the same accounts ... once when I got a judgment against me, and again when they re-listed the accounts in XXXX of XXXX. I reached out to the agency, and they said they do not update these records, despite being the agency making the report to the credit bureaus. The representative also stated, despite the debt being paid in full, that " had the matter been resolved with the original creditor back in XXXX, none of this would be an issue now. '' What this person doesn't know, is that I attempted to resolve the debt with the original creditor. They did not wish to negotiate an affordable payment, would not accept my multiple offers for alternative arrangements, and filed a judgment in court. I was charged more than double what I originally owed in medical debt to satisfy attorney and court filing fees for this agency. I have submitted a copy of the satisfaction of judgment, copy of the original court summons, a breakout of the amounts originally owed according to agency of Credit Control, email quoting the amount of my last payment to them with a receipt showing my final payment made, and my email communications with the XXXX regarding the re-listed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: ACCESS GROUP INC.
State: CA

Complaint narrative:
In XXXX, some of my loans held by XXXX XXXX, were transferred to XXXX. I had already sent in my XXXX payment. I called them and they told me that they would transfer everything and that I would not be considered past due. I kept sending in the payments, and they were not applied to my account. In XXXX, my XXXX payment and my XXXX payment were not posted. However, my XXXX payment was. 

I had been sending the payments to the wrong address. That has since been corrected. However, they applied the XXXX payment and then told me my XXXX payment -- since it went the wrong address -- would be refunded to me. That did not happen. 

Instead, Access sent it to another subsidiary -- XXXX, who is servicing a loan that I am currently not repaying -- and then claimed I owed XXXX a XXXX payment. Access sent my payment to XXXX without my consent. I sent in a XXXX payment, but since XXXX had my XXXX payment, XXXX applied my XXXX payment to XXXX, and so on. So I have been paying on time, every month, but XXXX   does not credit my account. Even though they receive my payment. 

I have been talking to them for six months. My payments always post no later than the XXXX. I want them to fix this issue, but they will not. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX   XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a Citibank checking acct that was opened around late XXXX XXXX and was dormant from XXXX through XX/XX/XXXX with a balance of {$12.00}. XXXX had closed all their nearby branches and we switched institutions.I had been receiving monthly e-mail statements. At some point that stopped. In XXXX, XXXX, Citibank began charging the account a monthly maintenance fee. I did not know about this until XXXX, XXXX, when I received notice that my XXXX XXXX overdraft line of credit was delinquent. Citibank 's explanation for the charges is that I did not maintain a combined balance of {$10000.00} or more. I do not believe I have ever had that much in the account over its entire life. In XXXX I spoke with a customer service " supervisor '' named XXXX who stated that the chargeswould be reversed. Since the account was closed she stated I would receive a check or checks for the full amount plus the {$12.00} balance and I would then send a check to XXXX to cover the balance on the now-closed account. Inever received checks. 
Subsequent phone calls were either cut off mid-call or answered with a simple, " Hello? '' and then disconnected. I finally spoke to someone last month who stated XXXX would " investigate. '' I now have a mailed statement that all the charges were correct and that I must pay them. XXXX has placed negative information on my credit reports which, I believe, caused me to be denied credit at least once and has also caused a precipitous drop in my credit score. I demand Citibank reverse these charges, refund my original balance, and remove all negative statements from my credit reports. 

Thank you for any assistance you may provide in this matter

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
TRANS UNION REFUSES TO PROVIDE ME WITH A COPY THE LETTER XXXX XXXX XXXX XXXX XXXX SENT THEM CORRECTING MY CREDIT RATING.

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 2018-10-01 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: TN

Complaint narrative:
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed

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 2018-10-01 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with Navient. 

Notification to the lenders was provided in 2014 by my XXXX Attorney with a copy of the XXXX determination by a Federal Judge. 

I am permanently XXXX and receive only XXXX XXXX XXXX Benefits and XXXX Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XXXX balance {$5900.00} XXXX reported as late XXXX balance {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank froze my account on XX/XX/18 with no probable cause. Upon calling them, they dont even give me any information and wont unfreeze my account after verifying all of my information. I went into a branch on XX/XX/18 and they informed me that they are closing my account. So, i said i want to withdraw all of my funds, the branch wouldnt let me, they made me call the customer service number in which i did while i was inside the branch, they told me they will mail me a check for my balance which us over {$3700.00}, they refuse to let me withdraw MY funds inside a branch.

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 2018-10-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: FL

Complaint narrative:
I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. 

Please stop reporting my account the loan was refunded and they have documents. 
Please I am begging that this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I had a business account open with PNC bank. An insurance company that I had cancelled almost a month prior took out a large unauthorized payment. Other payments came out as well but there wasn ; : t enough money in the account to cover them. I went into the bank and explained what was going on. I also asked the banker why didn ; : t they pull from my other 2 accounts connected to the overdrawn account there was enough money in those accounts to cover the other payments. I was told the account wasn't setup like that so they couldn't do it. At that time I asked that a hold be placed on the account because I was getting additional bank fees daily it wasn't done. On XX/XX/2018 {$780.00} was removed from one of the other accounts to cover bank fees of the overdrafted account ( I was told they couldn't do that ). I called into customer service and was told i had to go to a branch. I went to a branch and there saying theres nothing they can do. PNC paid none of the merchants that attempted to debit my account but what they did do was run up an outrageous overdraft bill and then broke their own rules to pay them selves thats theft. I didn't give them permission to take that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet has now systemically and consistently demonstrated negligent and fraudulent practices.

Nelnet misapplied a {$30000.00} payment which caused great financial stress and hardship.

Since that time, Nelnet managers and advisers have consistently provided false and misleading information when I have asked for all my options to assist with repayment. 

In the most recent incident occurring between XX/XX/18 - XX/XX/18, I called this shameful group to discuss options for repayment. I explained to this company that I have been filing applications for borrowers defense since I went to a " for profit '' university who I charge made misleading statements regarding my job prospects, income prospects, and so forth. The manager, XXXX, said that Nelnet receives applications from borrow defense " within 24 hours '', which turned out to be a viscous lie. Another manager confirmed that Nelnet receives the request whenever the DOE sends them.

I explained to yet another manager that due to all of this, I have been homeless for the last 5 years. I explained my situation and she advised me to consolidate all my loans so I could qualify for a low income apartment grant. I was absolutely shocked and sickened to find out I could do this directly with the DOE. Further, Nelnet has lied when it said that my only other option was to put all loans on " administrative forbearance ''. AT NO TIME did they tell me I could consolidate into an easier payment plans. Nelnet has consistently advised me that I am ONLY able to consolidate with PRIVATE lenders.

Nelnet did not at any time advise me that this was an option. Had I known this, I could have not been XXXX for the last 5 years, could have avoided massive interest assessment, and could have begun a reasonable repayment plan. Shame on Nelnet.

I have spoken with an attorney and, despite using what little money I have to stay warm and get food, I will use that money to take legal action against Nelnet if this issue is not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO
State: GA

Complaint narrative:
I summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.

Company response to consumer: Closed with explanation