vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: Comerica
State: OK

Complaint narrative:
Oklahoma  Tax Commission giv es state refunds with  a   XXXX   XXXX  . H ad my {$64.00} withdrawn from the card ; had to place two calls  to   XXXX   XXXX   to cancel  the card because the disclosures that accompanied the card said there would be $  XXXX  /month " Inac tivity Fees '' if you did n't use the card. Got a " human '' on my second call to cancel ; the   XXXX   XXXX    representative then said I had a balance due for {$.00} for the two calls I placed to cancel ( this was within  5  minutes of the time I withdrew my money at  XXXX    XXXX    ). I asked her if I would be billed for the {$.00} and she said, " No, your card has been cancelled. '' Called the Oklahoma Tax Commission ; referred back to   XXXX   XXXX   ; tried calling Comerica Bank ( listed on back of card ) and was told, " The card is issued by the Treasury ). If I had n't cancelled the card, evidently I would have received bills for not using it ( and now, will   XXXX   XXXX   report this to a credit report agency? ). What a racket!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I believe I have paid this off already. I will need to track my bank statements. I would like to know what company this is from. If I 'm not mistaken this should have been a   XXXX   XXXX   credit card which I have paid off. My credit report is showing this is in collections and still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
I got a call from  ABR Recovering Services (  http :   XXXX  /  XXXX  Claim Number  XXXX  ) stating that I owed them {$2700.00} from a Tv that I took out i n   XXXX  . All  my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called  XXXX  customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE   XXXX    ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. ABR stated they can not give me more info just to make a payment which i have proof I paid it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Please open a new case for submission number XXXX. 
Bank of America 's representative, XXXX has made no attempt to contact me and will not return the three messages that I have left. 
A certified copy of the power of attorney form ( see attached ) allowing me to speak to Bank of America was sent by our attorney, yet bank of America refuses to talk to me to get this issue resolved. 
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 monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Frontline Financial, LLC
State: FL

Complaint narrative:
In  XXXX   XXXX , Frontline Financial , LLC pre-qualified me for an FHA loan. I had previously spoken to another mortgage broker who told me I would be unable to use rental income from my current condominium, but  XXXX   XXXX  assured me that they would be able to include this. I asked him to check on this, and was under the impression that this had been done.  <P/> When I found a house in  XXXX   XXXX , Frontline Financial , LLC provided a pre-approval letter to accompany my offer. My offer was accepted, and a closing date was set for  XXXX / XXXX / XXXX . During the period from  XXXX  through  XXXX / XXXX / XXXX , I continued the buying process, obtaining the appraisal and an inspection, as well as an insurance quote and home warranty, all while receiving updated loan documents from Frontline Financial , LLC with every new piece of verified information, and the assurance that all was fine, and we should be able to close by the scheduled date.  <P/> My deadline for withdrawing from the contract was  XXXX  days prior to closing, as clearly stated in my contract, which Frontline Financial , LLC had been provided a copy of when the offer was accepted. However, it was not until the day of closing -   XXXX   that Frontline Financial , LLC verified whether or not I actually met all requirements the FHA loan. At this time, they found that in order to use the rental income from the home one is moving out of, one must move at least  XXXX  miles. The new property is only  XXXX  miles from my current home. With this information, they denied my application for a loan. Clearly as a lender, they should know all requirements for the loans they propose to clients, and not wait until last minute to check if there are any changes. Their error in this instance caused me not only to lose the property, but also portions of my deposit, in addition to spending unnecessary monies on an inspection and appraisal of a property I could not afford without an FHA loan.   I notified Frontline Financial , LLC of my loss of portions of the deposit due to their error, and have requested reimbursement of the funds lost ; however, they have chosen to not take any responsibility, and is now stating their decision was based on my credit, which they clearly should have been aware of before presenting me with a loan offer and a pre-approval letter.   I find this to be such gross negligence on their part, and want to ensure they do not repeat this process with other potential buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Auto Trakk, LLC
State: IN

Complaint narrative:
I obtained what I thought was a 72 month loan in XX/XX/XXXX, it turned out to actually be a 72 month lease or as the company, AutoTrakk terms it " prepaid transportation ''. When I " purchased '' the vehicle from the dealership I was not made aware that it was a lease and that I was not purchasing it. Even when signing documents that was not made clear and I do not recall reading this anywhere in the documentation. I am aware that this is not necessarily the fault of AutoTrakk but the dealership. When I got the car I was told that I could trade the car after 2 years, which is what they promote through financing with AutoTrakk. I attempted to trade in the vehicle and as soon as I said it was through AutoTrakk the salesman said, " oh, you wo n't be able to trade that, you 're going to be way to upside down, no one can ever trade those unless you are putting at least {$3000.00} down. '' I went to 5 dealerships, all of them the same, my car was valued at around $ XXXX and I owed over $ XXXX. I have made 175 payments to AutoTrakk in the amount of {$100.00} each totaling almost $ XXXX and maintained full coverage insurance on the vehicle at all times as required. XX/XX/XXXX the vehicle was involved in an accident and it was totaled. My insurance company paid AutoTrakk {$6900.00} for the value of the car, my payoff was {$10000.00}. My account has Gap coverage to cover the difference of what I owe and what the insurance values my car. Between what I 've paid and my insurance has paid, AutoTrakk has received appx. {$24000.00} for a vehicle that was {$14000.00}. They have sent me a letter saying " The amount owed on your account is {$3100.00} which could include the deductible, prior damage, excessive mileage or repossession fees. '' I would like to note that they state it " could include '' with no details, no description of what I am being charged for at all. They 've also given me no details as to what amount the gap insurance has paid. I believe that what they are doing is wrong and possibly illegal. They have an obligation to include details of charges before demanding payment and threatening to send a debt to a collection agency and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX I went to log into my citibank account and could not. It said I needed to get my new card first and asked me to input some information I found this strange because I had just gotten a new card a few months ago so i called the bank to find out after 20 years they are closing my account. I have spent hours on the phone trying to get a reason why and can not. They also will not let me withdraw my money and have left my XXXX year old daughter and XXXX year old granddaughter without access to her money because her account was linked to mine. I am out of the country on my honeymoon which ironically started on XX/XX/XXXX. Some mysterious investigation was done by this unreachable division of the bank as I called my branch and they claim they can only email these people and still do n't have a response. In this day and age this is outrageous. The account has well over 80k in it.

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 2017-03-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
I HAVE HAD GREATER FINANCIAL GROUP/ MS. XXXX, CALLING ME AS WELL AS FRIENDS, FAMILY AND MY EMPLOYER GIVING PERSONAL INFORMATION AND DEMANDING A CALL. I PHONED HER AND SHE MADE NUMEROUS THREATS TO " EXPOSE ME '' TO ALL WHO KNOW ME AFTER RAMBLING OFF MY CREDIT REPORT. SHE DEMANDED ALMOST {$5000.00} FROM ME FOR A DEBT THAT IS NOT MINE. SHE REFUSED ME ANY INFORMATION ON THE DEBT STATING THAT " YOU 'VE FILED BANKRUPTCY IN THE PAST SO YOU 'RE TOAST '' AND SAYING SHE WAS GOING TO " WIPE THE FLOOR WITH YOU '' WHEN I CONTINUED TO ASK QUESTIONS. I CAN NOT CONTACT THIS COMPANY BY MAIL AS SHE REFUSES TO GIVE ME THEIR INFO AND I CAN NOT FIND ANY INFO ON 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 non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: J & B Endeavors, LLC
State: OH

Complaint narrative:
I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Bureau
State: LA

Complaint narrative:
Account Control Bureau place for Collection with Derogatory remarks on my credit report. XX/XX/2016 I began XXXX XXXX XXXX. XXXX is responsible for all my Medical billing if submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I need a lower payment, deferment or forbearance!! I can not repay these loans as of yet!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Performant Financial Corporation
State: NC

Complaint narrative:
I have repeatedly requested a " pay-off '' statement from  XXXX   XXXX   XXXX   XXXX   XXXX  on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest.  XXXX  / Account #  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 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bronstein & Weiss Arbitration
State: CA

Complaint narrative:
My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails

Company response to consumer: Untimely response
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: UNITED STUDENT LOAN SOLUTIONS
State: MI

Complaint narrative:
I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Prince Parker & Associates
State: IL

Complaint narrative:
XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.

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 2017-02-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Chaplain Financial Services LLC
State: SD

Complaint narrative:
I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Pending Company Match
State: NJ

Complaint narrative:
My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to 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 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: PA

Complaint narrative:
They have called my place of business and called numerous numbers I received over  XXXX  messages from co workers that they called their personal number trying to reach me and my co workers told me they were a debt collection company. Any company I have dealt with on a business level has my personal number and mailing address so they have no need to call me at work. I am not allowed to have personal calls at work. I can loose my job from having debt collections calls AND it 's definitely a bad idea for them to just call random numbers at my job!

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