vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: SC

Complaint narrative:
Navient was never my loan servicer. Somehow Navient acquired my student loans without my knowledge along with valuable personal information. Navient was negligent in notification of the purchase or my loans and didn't notify me of the terms. Before I knew it my loans were in default with Navient when I placed them in deferment or forbearance with the customer service representative for Navient. Apparently the representative did not do their job and I wasn't notified. I want the defaults and history removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We have a debt collector on behalf of Citi Bank repeatedly calling in reference to a credit card debt that was discharged in BK. 

We have, now on three separate occasions over the last year and a half called them and explained this was discharged. 

They continue to call me. They have also started calling my wife at her work place asking for me. My wife is not on this debt. The collection rep was also indignant and mildly vulgar when my wife told him she was not 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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: ME

Complaint narrative:
Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a Discover card. When I contacted Discover about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told Discover there was no estate. Discover has given this account to a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
i got a statement in the mail from loancare ( my mortagage company ) on XX/XX/19 saying that i owed excrow of over {$4000.00}. there was a mistake of a charge for {$3300.00} that loancare paid to another servicer in ERROR!! They still havent fixed the problem or havent called me back after numerous attempts. i emailed them, mailed them a letter, and called multiple times. I STILL DONT HAVE AN ANSWER. It was a mistake on their part and they seem like they do want to fix it. i need help really bad, i cant take this anymore.

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was refinancing my mortgage with another company. My current mortgage servicing company ( WSFS ) sent over a close out cost to the abstract company. Unbeknownst to me, or the servicing company, the pay off quote included using my escrow money to pay down my mortgage. The money in my escrow account was only for taxes and insurance, and had not been approved to pay down my mortgage, without my consent. 

I called and I talked to XXXX XXXX in the Loan Servicing Department to discuss this issue. She stated this is what they do, even though they did not have my consent to move the money. They gave me no options for planning for tax season and making sure I had enough set aside when tax season approaches.

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 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
RE : Chase Bank ATM, To whom it may concern, I want to file a complaint with the Consumer Protection Bureau. On XX/XX/2019. I use the Chase Bank ATM, that is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to withdrawal {$300.00} dollars using my XXXX XXXX XXXX debit card ending : XXXX. Once the Chase Bank ATM Approved the withdrawal for {$300.00} dollars, the machine didnt give me the funds or any receipt, but it shows the money being debited from my XXXX XXXX checking account for {$300.00} dollars plus the ATM fee. Ill immediately filed a complaint with XXXX XXXX  and they gave me a claim number which is claim # XXXX. So, they told me to call back within 2 weeks to check the status on the claim. 2 weeks later I call again, and they told me that Chase Bank hasnt respond to their investigation, so they told me to follow-up by the XX/XX/2019, thats the final day for the investigation which the other bank institution ( Chase Bank ) should already respond to their investigation. Today is already XX/XX/2019. Ill have checked my bank account and the funds it still not available in my XXXX checking account. I will like the Consumer Protection Bureau help me follow up with this complaint, so I can get my {$300.00} dollars back. Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 

I also have a Ftc Report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in XXXX XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 

I also have a Ftc Report and a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TDBank refuses to remove my $ 25 monthly fee when many other banks offer free checking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used the XXXX app to transfer money to another person ( who also banks with one of the well-known, big-name institutions that endorse the app ) on XX/XX/19. The {$400.00} payment was initiated to pay for tickets I intended to purchase through XXXX. I was unfamiliar with the app, but felt confident in it when it was *literally included* within my Bank of America app . The email address for the recipient is listed as " verified ''. 

When the email containing a link to the tickets never appeared, I realized I'd probably been scammed and within ten minutes of initiating the transfer, I tried to cancel it. I was surprised when I was unable to do so via the app or the BOA website. I immediately called the BOA fraud department. The first agent was unable to help me & transferred me to ANOTHER agent, also unable to assist me. They transferred me a second time, supposedly to a specific department that handles XXXX fraud issues. Apparently there are a lot of them, because I waited on hold for an hour and thirty-five minutes. I finally spoke to someone who looked up my account, then suddenly " disappeared ''. I was then greeted by ANOTHER agent, who ( after ten minutes ) told me that I had once again been transferred to the wrong department & they would transfer me directly to someone who could help.

After an additional ten minutes, with total wait time now at an hour and fifty minutes, I finally spoke to an associate who stated that there was basically nothing they could do ... I'd need to speak to a " Recall Associate '', none of which were in the office at the moment?!

When I finally spoke to an associate the following business day, despite the fact that the transfer was still listed as " processing '' ( via the online account manager ), they would not reverse the transfer. They stated that had I read the fine print when I started the XXXX account, I would have seen that the app is only for use in transferring money to friends and family. 

I asked if they are going to close the account of the thief so that they couldn't scam other people. They are going to " file an internal report ''. 

I asked if they are going to file a criminal report against the thief, since BOA/Zelle has access to their identity. They recommended that I file a report with the police/FBI. 

I am planning to close my BOA account, as apparently I can not trust them or the institutions they partner with, and look into filing a report with the FBI.

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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX, we called XXXX trying to cancel our account. They told us it was the middle of the bill cycle and they would cancel the account on XX/XX/XXXX and would not bill for the next month. We sent back the XXXX box and thought it was taken care of. The next month rolls around and they billed us. We told them to listen to the recorded call as we cancelled the account. Each person has now said they will listen to it and wipe the account to XXXX. In XXXX a supervisor said the account would be wiped to XXXX. Two days ago we received a letter from a debt collector stating we owed {$100.00} some dollars. Which is impossible if they went back to listen to the recordings that XXXX stated he would wipe the account to XXXX  as we no longer had service with them in the bill date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: IN

Complaint narrative:
While serving oversees my idenity was compromised. During this time a credit car was opened in my name with XXXX. I demand that this item is immediately removed from my credit file, or I will seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
I am seeking mortgage interest information from XXXX for the years XXXX and XXXX. I have tried for over a month to find the correct contact information. This information is needed for me to refile my federal tax forms for XXXX and XXXX. I would also like to have a payment history for those two years regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
my uncle and i just refinance our home select portfolio has frauded against us by not applying correct payments to mortgage account and escrow.now we have new mortgage company just bought our account from select portfolio servicing.our payments each month were not applied to mortgage loan properly by select.now select has threatned me not refund escrow account then select added extra fees to payoff account that origanaly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.select added extra fee to pay off at XXXX XXXX XXXX dollars  we been making payments each month to select their payoff were at XXXX XXXX XXXX XXXX XXXX dollars.now select has mail letters to my uncle and i stating payments are recieve before XXXX XXXX of each month late fees are waived now since new company XXXX XXXX  has payed select XXXX XXXX XXXX XXXX and select agreed refund escrow account we also made payments each month to select now since new lender paid select.they threatned me by phone of no escrow refund and extra fees.in the payoff select frauded extra fees from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX i want your agency investigate select bad faith practices of hidden extra fees outstanding intrest and priciple higher rates and select violated fix rate terms the loan were under and now doesnt want agree on XXXX XXXX XXXX XXXX escrow refund which were in the payoff agreement select offer to do select has history of fraudulant practices towards their customers and complaints history of the same issue i am experiencing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Sir or Madam : I am writing to complain about UMB Bank and their unsatisfactory and unprofessional customer service regarding the delayed rollover of my Health Savings Account ( HSA ) totaling approximately {$4500.00}. I began the rollover process in early XXXX around the XXXX, but it has yet to occur. I have repeatedly called their customer service phone number and mailed them numerous forms to get my HSA rollover to process. Unfortunately, they have never completed this rollover despite my best attempts to provide them with each form that they mailed to me and I completed and mailed back to them. UMB has given me no less than four different forms to complete this process. Today, XX/XX/XXXX, I once again contacted their customer service and was told that the rollover can't occur without yet another form. UMB has not been transparent during this process and has never reached back out to me to help facilitate the rollover process whenever a new form was needed. Each time, I have had to call them after numerous weeks of no contact from UMB during the rollover process. Thank you in advance for your help to investigate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well

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