vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX   XXXX     2016 I called card servic es and asked that my annual rewards program renewal fee not be dedected from my account as I did not want to pay the fee at that time. My intention was to start the rewards program back up at a later time. What happened is that they changed the product type of my credit card from a rewards card to a platinum card. I did not understand and was not aware of this change. I did not consent to this change. My sole intent, which I made very clear, was to not be charged the annual program fee at that time. As soon as I realized the mistake I called wells fargo and asked them to fix the mistake . Wells fa rgo now states that I am ineligable to switch the products type back to what I had.

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 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.

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 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I attended  XXXX  University from   XXXX   - XXXX .  Since graduating from I struggled to find a job in my field and could not find a full time job until   XXXX  . In  XXXX , I was forced to resign, leaving me with {$0.00} dependable income and began self-employment beginning   XXXX   XXXX  . Since m y Husband an d I were married just before   XXXX   XXXX   XXXX   and we filed taxes jointly, My repayment plan was based on both of our previous incomes, when mine no longer existed. It was too high and we could not pay it. I was was told my ONLY option was to go into deferment. It was not until   XXXX   XXXX  , after multiple conversations with Navient customer service representative that  one was fortunate enough to tell me I can reapply for IBR at any point when there is a significant change to my i ncome. I was told that I can not and will not receive any reimbursement or reconciliation for the deferment/forbearance that I accrued for the &amp; months for which I was misinformed.   Also, when I first registered  for IBR  in   XXXX   with  XXXX   XXXX , I was told that m y IBR plan wa s for 20 years and at the end of 20 years leaving the remaining debt forgiven. In  XXXX , I was told by a Navient representative that  my IBR plan is act ually for 25 years and " it always has been '' which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient  ran interest on my student loans while I was still in school because we made a payment on them in the amount of  XXXX  from money that my parents had allocated to my deceased brother 's college fund. Then when I graduated they refused to put me on the Obama pay as you earn program, and instead put me on another repayment program they chose, despite me filing for pay as you ear n three  years in a row. I eventually just refinanced $  XXXX  in student loans with a private company because I knew at least they would n't  XXXX  me over as badly as  Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This was to be a temporary credit through  XXXX . They told me I was fully approved to cover my loans for school. After I had started to go to class they pulled me out of class to tell me that I did n't get approved for part of for tuition I needed.  XXXX  told me they could give me a temporary credit where I could paythe school back directly. After I graduated I started receiving bills from  XXXX  and then I called them they told me I had a private loan. I have called them and asked them to provide me with a copy of this loan or contact to show me where I ever signed an acknowledgement of this loan but they told me they ca n't provide it because  XXXX  is in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
On  XXXX   XXXX ,   XXXX   ( via certified mail ), a letter was sent to  Security Credit Services  requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days  of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease.     On or around  XXXX   XXXX ,   XXXX  , I received an incomplete response from the company, and, as such, on  XXXX   XXXX ,   XXXX  , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and has not removed this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had gone on a  XXXX   XXXX   XXXX  vacation back in early  XXXX  of  XXXX . It was a  XXXX  night  XXXX   XXXX   (   XXXX   XXXX   XXXX  departing on  XXXX / XXXX / XXXX  at  XXXX  and returning on  XXXX / XXXX / XXXX   XXXX  with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ).      During the last  24 hours of my trip I purchased a {$25.00} USD  souvenir from the   XXXX   store. However, after the trip, I received my credit card statement with a charge that was {$2800.00} USD that I had not authorized! I immediately filed a dispute. Since then I have spent countless hours calling both the cruise line and Chase bank, as well as physically going into several  Chase bran ches in both   XXXX   and  XXXX  to try and resolve the issue. Every time I make a phone call, departments continuously make excuses saying " it 's not their departments responsibility '' and would transfer me to the next department. I have continuously asked both the merchant and bank to show me the proof of my signature and neither have been unable to provide any proof of signature!     Now, it has now been over half a year and Chase bank has just recently given me a deadline (  XXXX / XXXX / XXXX  ) to pay my bill. They also have charged me interest on the late payment and are threatening to send this to collections agency. I have continuously tried to dispute this with the result always ending in both merchant and bank unable to provide the proof of my authorization. I really am not sure what else I can do at this point and hiring a lawyer would probably cost me more than the money they are charging me but this is complete fraud for something I never purchased! PLEASE PLEASE PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please refer to Case number -  XXXX , attached Cover Letter to CFPB dated  XXXX   XXXX ,  2017 and  Exhibits A  - D  XXXX  Also, the funds that were obtained from EverBank  &amp;   XXXX  through the National Mortgage Fraud Settlement and the Multiple Consent Orders and then distributed to my state 's ( Georgia ) Attorney General (  XXXX   XXXX  at the time ) were never re-distributed pursuant to the settlement and consent orders as required. To the best of my knowledge, the funds were converted ( misused ) by my state apparently for roads work. All I know, is that I never rec 'd any of the funds. Had I rec 'd the funds as required, then I would have been able to get my loan current and avoid foreclosure. I also applied for funds/relief through Hamp/Mfa and through the  Hardist Hit Fund . EverBank  &amp;   XXXX  violated &amp; failed to comply with multiple metrics as defined by  XXXX   XXXX , the mortgage fraud settlement monitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
The company  DEVILLE ASSET MANAGEMENT  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report  on    XX/  2016.  They then closed the account on   XXXX /2  016.   Next, t hey removed the ok status from   XXXX   2016 an  d added an ok status for   XXXX   2016. Th  e n changed the whole history from charge off to failure to   pay. I 've ever did business with Deville Asset Management company and I do n't think it is fair for them to dama ge my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them ov er 30    days. They did not respond in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates ( " PRA ''  ) is violating the Fair Credit Reporting Act ( " FCRA '' ), the Fair Debt Collection Practices Act ( " FDCPA '' ), and the  XXXX   XXXX ,   XXXX   Consumer Financial Protection Bureau  Portfolio Recovery Associates Consent Order ( " Consent Order ''  ) by continuing to infer that Consumer owes this alleged debt, yet can not ( and HAS NOT ) provided any proof that satisfies FCR A 623.  The alleged original creditor,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . has deleted its trade line  ( s ) from    Consumer 's cred it reports, as it has no evidence this alleged debt exists ( in the way of a signed application or contract for debt ) . Consumer co ntends that  PRA 's con tinued reporting of this account to the major credit reporting agencies ( " CRAs '' ) constitutes a false, misleading statement and is a PROHIBITED abusive practice as banned in th  e Consent Order.
*Consumer DOES NOT consent to telephonic contact.
*This complaint to be directed to PRA ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.

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 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My Nevient loan is paid in full. My studentloan.gov balance and the Dept of dept of edu says I 've paid off my loans years ago and all of a sudden they are pulling money from my pay checks. I have an  XXXX  son. I 'm a single mom. Low income. I have letters from the department of education congratulationing me on paying off my loans. I have a check for over payment on my student loans. Etc. this is outrageous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.

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 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
Tidewater Motor Credit provided different loan pay off amounts on   XXXX   and  X/XX/17   , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than  XXXX  hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.

Company response to consumer: Closed with explanation