vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with Student CU Connect at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We entered into a loan modification on XX/XX/XXXX, the terms of the modification were to be at a fixed reduced rate from XX/XX/XXXX through XX/XX/XXXX. We were told that if we made ALL of our payments on time that after the " fixed rate '' period they would re-negotiate our loan modification. After several months of back and forth, two loan modification packages, countless emails & phone calls the lender is not willing to modify our Option ARM loan whatsoever. It should be noted that when we originally got the loan in XX/XX/XXXX we were told it was XX/XX/XXXX ARM, we had no idea it was an Option ARM loan. Also, the final forms for our modification were forged by the lender, they are clearly not our signatures.Furthermore the lender just sent me an ACT 91 Notice on XX/XX/XXXX yet they have filed foreclosure paperwork with the courthouse. The contact information on the ACT 91 notice is false, the contacts do not exist, the phone number is never answered and the email does not work. We feel that our legal rights of due process are being violated as the lender is not following PA law. They are not honoring their prior commitment nor are they allowing us the opportunity to re-apply for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
This complain is to Cash app formerly known as Square cash. On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX Michigan tried to get back my money from Cash app of {$300.00} because that time she was no longer had cash app. I made a claim through my branch and they recommended to call cash app but I ended up on person who was acting cash app representative on phone instead of debited back my money he did transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00}, and {$250.00} to XXXX XXXX. Immediately I called XXXX XXXX same day to tell them those were invalid transaction and its is fraud so do not release those transaction, but the bank still released those transaction on XX/XX/XXXX. I made another claim to the bank and I was be able to get those transaction back. On XX/XX/XXXX I received a letter from the bank stated the are going to debited back those transactions because Cash app said were valid transactions which was never been valid transactions. I made another claim but still bank keep denying because Cash app keep telling them those were valid transaction. I did report this matter to XXXX XXXX Michigan and they are working on it. I will submit all documents if required Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/19 XXXX EST I received this text after placing my Wells Fargo Debit card in a malfunctioning Card Reader at a Fuel Pump at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA. 

The text was from XXXX ( XXXX ) XXXX and reads as follows : 1 of 2 FRM : Notices SUBJ : XXXX XXXX, Your curent accounts are on_HOLD, reactivate your accounts ( Co n't ) 2 of 2 at, imediatly go to : XXXX XXXX XXXX Regards XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
First, I was given a preauthorization letter so as to buy a house. Perfect. Oops ... ..we used the wrong numbers and now its flagged due to debt to income ratio. Ok, I will work with person number two who seems to have a handle on it. She sends it to person number three who asks for ridiculous things like a ten year old divorce decree but doesn't send me the form for the gift letter that I asked for weeks ago. Okay, this gets settled. Now someone will call me from the credit bureau so everyone can see that my credit cards are paid just as I said they were. No call. Now go to the bank and prove the investment money came from investments one and investment two and have the gift letter, which finally arrived, signed and accompanied by a bank statement. Went home, scanned, tried to send it. Portal isn't working. Called. " The notes say you agreed to withdraw the loan. '' " If I agreed to this then why am I trying to send you this information???? '' Hmmm ... ..we will see about reactivating it tomorrow. Meanwhile, here is another person 's email address. AAARRRGGGG!!!! Stay tuned for further developments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello Since XX/XX/XXXX I have had numerous inquiries on my credit report by Chase Bank, Chase Card, XXXX XXXX XXXX XXXX, and XXXX Credit Card by Chase. These seem to all be related to Chase. 

XXXX on XX/XX/XXXX & XX/XX/XXXX ( other dates were removed ) XXXX on XX/XX/XXXX ( other dates were removed ) I contacted Chase twice to let them know I have never applied for a card for them or for an XXXX credit card with Chase. I asked if they would provide me the information used to apply using my name but was denied the data. Twice they placed a 90-day hold but each time it is lifted a new inquiry shows on my credit report. I have also contacted the credit bureau to have them removed off my report and to have a note but do not see one listed. 

A number of years ago I closed my banking account with Chase Bank due to the bank releasing funds for a bill I did not owe using an old debit card number. Is there any way I can get Chase to halt these inquiries? 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went for depositing cash at the Bank of America ATM situation near at the bank location XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/19. I sold my motorcycle and had total cash of {$5700.00} ( XXXX {$100.00} ) bill. I drove to the drive-through ATM at the above location in the morning. I logged into my account using my Debit card, entered the pin and chose the option of " deposit ''. The message said I can deposit up to 75 notes. Though I had only XXXX notes, I went ahead with the deposit. The machine took the cash and I heard the machine count cash for about 30 seconds and after 30 seconds I got an error message on the screen saying " System out of service ''. it luckily gave me a receipt of the transaction. The receipt said, that I had deposited {$300.00} and the receipt said there is a problem and asked me to raise the claim on the number from the receipt. I raised the claim and the message i got from the claim that a temporary credit of the missing {$5400.00} will be done and the investigation will continue. After 10 days, I got the email on XX/XX/19 stating that they have checked the ATM machine and could find only {$1800.00}. So they will take back the amount credited the balance of {$3600.00}. I requested for the claim to be investigated again. They stand by their original analysis. 
I definitely feel that there is some disconnect or someone is stealing cash. That if they look at the ATM video, they should be able to find that I deposited a big stash of cash that would count to a total of XXXX notes. I definitely feel that someone is either sealing cash or there is something wrong with the investigation. 
I am attaching the receipt from the ATM machine and the withdrawal receipt from the motorcycle buyer. That has to prove that how much cash approximation on which we made the deal.

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 2019-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was an XXXX with Bank of America from XX/XX/XXXX to XX/XX/XXXX. While I was XXXX I opened an XXXX bank account which included a free safe deposit box. Shortly after I left the firm I closed my accounts which included the safe deposit box. I never put anything in the box or used it. I didn't receive any follow up correspondence from the bank alerting me of any issues. Around XX/XX/XXXX, 8 years later I opened a business account jointly with 2 partners. Shortly thereafter and for the last 2 years I have been receiving invoices for payment of this safe deposit box. I have called at least 3 different numbers to try and resolve this. The representatives have been unable to assist in any way and keep passing me around. I wrote a letter directly to the branch a few months ago and have received no response. Just another invoice adding late fees. They have completely disregarded my fairly simple explanation and have provided no reason why I suddenly starting receiving invoices.

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 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Back in XX/XX/2017 I financed a car at XXXX toll. I didnt have to put any money down except to pay to start full coverage insurance with XXXX. I believe I paid {$270.00} something dollars to put down to start the insurance. I was ok with that. We discussed my monthly payments and I was signed up and finished. I left with my new car. Not even a week later I wanted to go online to see about adding renters insurance because I had just got an apartment. The login information was incorrect for some reason so I called customer service. THEY HAD THE WRONG DATE OF BIRTH on the account. She changed it and updated it then said it would change my rate. It changed my rate up to {$80.00} more a month. Something I could not afford so I told them that I didnt want to use them as my insurance anymore so I went somewhere else. Now I see I am being billed for {$500.00} dollars for insurance I didnt have for not even a month. Because they made a mistake and messed up my rate. Had that allowed me to keep the rate, things might have been different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CT

Complaint narrative:
Fed loan servicing is the company that is handling my student loans. Back in XX/XX/XXXX, I was told I would need to change the way the income based program that they were on, secondary to having parent loans that also needed to be on an alternative program. I was told that my new payment was miscalculated by Fed Loan, secondary to not including that I was married filing jointly, and that it would be adjusted. Due to this error on their part, I was also told that I would be put on an administrative foreberrance until this issue was resolved. A month later, I was told the bill was late. I was then told that Fed Loan doesnt refinance the payment, that I would have to go onto studenloans.gov to do this, and in the meantime, my loans would be on an administrative foreberrance, as again, I was given misinformation. I did go on student loans.gov per their request, and paid a XXXX fee that they also requested I pay. Another month, and there was another late payment. I called again, and this time got a manager. I was told that this happens, and he would fix it. A couple of weeks later, I received another late payment notice. I called again, and was told that the foreberrance was only for a 2 week period in XX/XX/XXXX, and I would have to use my own foreberrance allotment in order to wait for the new payment adjustment to happen. After speaking to several reps in a short period of time, I am dissatisfied with their customer service. Each rep told me something completely different, and the last one refused to honor the offer that Fed Loan had made themselves of the administrative foreberrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Robocalls would start 5 days ahead of due date XXXX XXXX of every month ) and continue till payment was made. Loan contract stipulates 10 day grace period with no penalty. Calls started XX/XX/XXXX & continued till I refinanced with another company in XX/XX/XXXX. Made numerous complaints to Westlake to not call. Was told to call in ahead of payment date to let them know what day I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
This company Lockhart, Morris and Montgomery Inc claims that I have a medical debt based in Tennessee opened on XX/XX/XXXX. I have informed this company that this debt is not mine, after it placed this debt on my credit file/record at the credit bureaus. I have not had any communication or business dealing with any company in Tennessee, nor have I lived there, but this company has disregarded my informing it that this is not a debt that belongs to me. This debt is a result of identity theft and this company is promoting fraud. I have informed this company to removed this reported amount of {$780.00} from my credit file/report from the credit bureaus but it would not, nor would they take my complaint seriously. I have been monitoring my credit file/reports daily, and all of a sudden this debt appeared without my knowledge or understanding, as I have never heard of, or been to, a company called XXXX XXXX XXXX Tennessee. Furthermore, this company has called me in regards to collecting this debt, and I have told numerous agents of this company that this debt is mine. On one particular instance, after asking for a supervisor, it appeared as though it was the same agent trying to disguise his voice stating he can have this debt removed if I agree to cooperate by paying a fraction of what is " owed. '' Additionally, this company refuses to tell me what account number is affiliated with this debt, so I can dispute it. This makes me believe even more that this is fraud, and this company is trying to extort money from me by any means without consideration or investigating that this debt does not belong to me. Upon further research, I figured that this same company tried to use this same debt on my credit file/report at the credit bureaus under a different company name in XXXX. After they removed it, the company has placed the debt again in XXXX, in further attempts, to use a fraudulent debt to extort money from me. In XXXX, this company stated that it was a different company I owed for the same {$780.00}, also another company that I had never heard of or had any dealings with.

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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
On XX/XX/2019, I received the attached letter for collection in the amount of {$4100.00} giving 30 days in which to dispute the said claim. I sent the attached letters on XX/XX/XXXX and again on XX/XX/2019 requesting ; 1 ) Validation of alleged debt, 2 ) Any verified claim against me, and 3 ) Original bill with original genuine wet ink signature. Debt collectors Snow & Sauerteig, LLP have failed and not provided validation as requested. I was served today a " Notice of New Claim '', with a added charge in the amount of {$1000.00} for Attorney 's fees, filed in the XXXX Superior Court 2 for the same alleged debt and not in my county of XXXX, to appear on XX/XX/2019, again in the absence of validation of debt as requested. It is my belief that this alleged debt has been sold and that is why these debt collectors are not able to produce as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
IN RESPONSE TO CFPB : XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting You have refused to fallowed the credit reporting act 605b Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods The account and those inquired are fraud ADVANCED COLLECTION BU XXXX Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX

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