vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I recently ( XX/XX/XXXX ) opened a Premium Rewards credit card with Bank of America to take advantage of a great offer. The fee related to the card is an annual {$95.00} fee. I opened the card and began using it and was immediately charged the {$95.00} annual fee unexpectedly on XX/XX/XXXX.. I called Bank of America after reviewing my card member agreement and the online fees section to let them know that the fee on the agreement and online says nothing about charging me immediately for the fee and was told by the specialist that " we have that information here but its not on the agreement. '' My concern was passed along to Sr. Management and was told not to expect a reply. 

Today ( XX/XX/XXXX ) I called and spoke to a card member specialist and  then escalated the call to her supervisor XXXX, both very nice. Both agreed that I have a valid complaint, which is that I want the annual {$95.00} fee refunded as I assumed it was an annual fee that I would expect to see charged to my account in the 12th billing cycle, not immediately. They were unable to refund the {$95.00} fee and told me to send a written inquiry to the billing department when my bill arrives. In my opinion, this is a UDAAP violation as Bank of America omitted specific information about when the annual fee would be charges to the account ( as other credit card companies make clear in their credit card agreements ) to make the offer more appealing to consumers. Had Bank of America stated this information in the card member agreement and fees section online, consumers might not apply for the card for this reason alone. 

I simply want my {$95.00} annual fee refunded and for Bank of America update their card member agreement related to this offer to clearly state when card members will be charged with this {$95.00} annual fee.

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 2017-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a student loan with Citibank whom I can can not speak to about any my questions, concerns, or complaints.They are being serviced through XXXX XXXX, XXXX and they basically can only collect payments. Months ago, I tried to contact Citibank and XXXX to have my loan payments lowered and/or postponed and I received no help. On XX/XX/17 at XXXX XXXX, I called to make my monthly payment so that I would n't receive a late payment reported to the credit bureau and I was informed that XXXX reported the late payment at XXXX XXXX. Now my credit score has plummeted and they will not give a curiosity removal or reversal even  through I made the payment the same day as the reporting. I had no idea that they report to them at XXXX XXXX or I would have call on my lunch hour at work to make the payment.

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 2017-12-12 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: TX

Complaint narrative:
I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: NY

Complaint narrative:
Chronically misinformed (17 years!!!) by both XXXX XXXX and Navient, that income driven and accruing forgiveness options were available.Every single year I called in to try to implement and they actively denied these were possibilities.I always was responsible and did exactly what I was instructed was the best and only options available to me.I would the retro-foregiveness time that was denied me to be applied. That's nearly 20 years! I actively asked and had no recourse.I would like to be included in the litigation that is going on now.I was also not allowed to take my loan to another institution (ongoing - even within the past few months) they claimed. The loan has nearly 8% interest from 20 years ago, even though interests rates have gone down substantially over those years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Diversified Recovery Services Inc.
State: DE

Complaint narrative:
Account was sent to collection agency - Diversified Recovery Services. I 've asked not to be contacted at work, but calls continue.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WY

Complaint narrative:
I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EverBank ( recently acquired by TIAA in XXXX XXXX ) has held the servicing of my mortgage since XXXX. We bought the property in XXXX and the mortgage originated in XXXX. The property is at XXXX XXXX XXXX, XXXX XXXX, TX. 
The property was bought for my son, daughter -in-law and grandson to live in while they established in the area. A grad-daughter was born when they lived there. After Hurricane Ike in XXXX they moved back to XXXX. Although it had no damage. It then was rented for XXXX years and in XXXX I had my elderly mother move in from her 2 story townhome and has occupied the home since. 
On XXXX XXXX I got a " good-bye '' call from my mother at XXXX XXXX time stating that the home was being flooded and she was not sure if she would make it. After calling the city of XXXX XXXX to get her on the list to be rescued my son and I loaded some tools and supplies into my truck and took off for the hurricane zone. On the way on the 2 day trip, I checked the mortgage website and saw my flood ins had been paid just a couple days earlier, so I called to file a claim. Upon arrival and picking my mother up from the XXXX XXXX XXXX, I was given the news that I did not have flood insurance for several years. After setting up a trailer in the driveway and getting a contractor and services in order, I returned to XXXX and called EverBank once again and was told by XXXX in customer service that they never collected for flood so it was never paid. So what was the entry in the escrow for flood ins.? Not her problem. So I am out almost 28k for repairs and upgrades on the home to get it functioning again for my mother to move back in. And due to it not being my primary residence, FEMA sent me a denial of any assistance via email almost immediately as I completed the online application process. My XXXX year old mother who lost almost everything to huge piles in the front yard, also got FEMA denials due to my contractor was so good and poured huge resources into the home, the home was livable and almost complete by the time FEMA came out to assess. Weeks earlier sewage and water to knees, torn out cabinets, kitchen and baths, ruined carpet, non working appliances, beds, dressers, chests, pictures, memorabilia, coffee and end tables - all gone. I had to use a lot of credit cards and savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I received a letter in the mail from my mortgage servicer, XXXX XXXX who took over my mortgage shortly after I purchased my house. The letter was dated XXXX XXXX, 2017, but I received it on Friday the XXXX. The letter stated that they did not have information regarding my homeowner's insurance policy. I logged into the website, and it shows that they have the information of XXXX XXXX XXXX, which is the homeowner's branch for XXXX. They also had the policy coverage information as well. PennyMac claimed to not have any insurance information over the phone. I called XXXX to have them fax the policy information. I was told that the policy had been cancelled the month prior in XX/XX/XXXX due to nonpayment. I had to pay out of pocket to reinstate my insurance, which will result in no lapse in coverage with the reinstatement. PennyMac is failing in its contractual obligations and fiduciary duty to manage my escrow account. The escrow transactions show there has been no payment for insurance on my home.There are consistent complaints, and there was recently a class action settlement with PennyMac regarding lender-placed insurance with new companies that charge much higher rates. It is clear that PennyMac has a consistent policy of not paying insurance premiums so it can force a cancellation to justify a lender-placed insurance with one of its "preferred" companies who charge excessive rates and most likely give PennyMac a kickback as some form of referral fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

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 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

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 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX I was contacted by PNC loss prevention about possible fraudulent activity on my debit card. The card was cancelled at this time and I confirmed the transactions in question were in fact fraudulent. I was informed that PNC has a zero liability policy for their consumers so the fraudulently removed funds would be refunded to me. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI dated XXXX. I called and disputed these transactions. I received a " provisional refund '' for both transactions in the amounts of {$52.00} and {$65.00}. 
XXXX A fraudulent transaction posted from XXXX in XXXX, MI. I called on XXXX and disputed the transaction and received a " provisional refund '' in the amount of {$55.00}. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI. I called XXXX and disputed these transactions and received a " provisional refund '' in the amount of {$65.00} and {$100.00}. 
XXXX Three fraudulent transactions posted from XXXX in XXXX, MI. I called on XXXX and XXXX to dispute these transactions.The representative stated on my call on XXXX that she did not know why I was not issued a provisional refund and said I could call the Dispute Resolution Department. I was informed on my call on XXXX to the Dispute Resolution Department that I would not be issued a refund for these transactions " pending further investigation ''. The amount of these transactions were {$75.00}, {$75.00}, and {$74.00}. I was told it would be 10-90 days before I would receive a refund only if the charges were deemed fraudulent. 

PNC should be responsible for issuing my money back while they conduct their investigation considering their zero liability fraud protection for consumers. None of the representatives I have spoken to will give me an answer why they will not refund the last 3 transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Today I got a phone call from an unknown number. They inquired about a document I need to sign and send back. I told them I did not get any documents and they gave me a reference number and a new phone number to call. The new number was for a law office ( do n't remember the name ), they told me Wells Fargo was going to summons me to court. They wanted me to pay around {$300.00} now or over {$1300.00} if I lost in court. They claimed it was from 2012, but I 've never gotten a letter or a phone call today. Somehow they knew my current address and phone number but for the last 6 years they could n't reach me. They knew my past addresses too, but I never got anything at those addresses either. I had an account with Wells Fargo but it was well before 2012. I told them this is the first I am hearing of it. I ca n't even figure out how to over draft {$300.00}, I think they shut down your account after {$75.00}. I think they will be mailing me something. It just seems wrong to me.

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 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP
State: MD

Complaint narrative:
I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have written to the company a total of 4 times. I have stated I had no acknowledgment of these account ( s ) and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. Midland has also tried to reword my dispute. I disputed the account as " not mine '' and in response they said I disputed " incorrect balance. '' That is not what was disputed. The accounts as a whole are being in question. Please rectify these accounts as for this company has prolonged this for months!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: CITIBANK, N.A.
State: WV

Complaint narrative:
CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.

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 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation