vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Critical Resolution Mediation LLC
State: TX

Complaint narrative:
XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.

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 2017-04-14 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: AR

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. 
In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. 
Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. 
Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. 
I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. 
Thank you so much,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Consumers Inc
State: NY

Complaint narrative:
United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.

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 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I never received any kind of notice.. not sure what this is for. I found out about this through 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 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I secured a home mortgage in XX/XX/XXXX with a mortgage company affiliated with XXXX, which dissolved in XX/XX/XXXX. In XX/XX/XXXX, I stopped paying the mortgage as I did n't know who held my mortgage.In XX/XX/XXXX, XXXX claimed to hold the mortgage and brought a foreclosure suit. On XX/XX/XXXX, a XXXX County Foreclosure Court Judge dismissed the case as being without merit. Now, WELLS FARGO HOME MORTGAGE and its servicing company, AMERICA 'S SERVICING COMPANY, put themselves on all my credit bureau reports as the same mortgage holder for the same XX/XX/XXXX mortgage.I disputed the credit bureau reports in XX/XX/XXXX and those XXXX companies refused to remove themselves from my credit bureau reports. Can you please help me rescue my credit bureau reports as it is ruining my professional career with 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 2017-04-15 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: NJ

Complaint narrative:
Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had XXXX fraudulent charges on my Bank of America Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX were for XXXX, XXXX for XXXX. I contacted Bank of America to have these removed from my account on XX/XX/XXXX. They said they would remove them from my account, but I was unhappy with the customer service and canceled my credit card with them. I paid the remainder of my account balance, but Bank of America continued to bill me for the fraudulent charges. They started adding late fees to the balance as well as charging interest on the fraudulent charges. My balance should be XXXX. Product_Or_Service : Credit Card Visa Account_Number : 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 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This is the fifth time my family has complained about this fraudulent, predatory lending practices loan y Wells Fargo. This is loan # XXXX, XXXX. The new information we have is the company sent us a response letter and they are calling this loan a Conventional type loan. This is a ( DIY ) or Daily Simple Interest loan that we still owe XXXX on since XX/XX/XXXX. Well Fargo took over servicing this loan from a company that was found guilty in the sate of Ohio for these type of loans. During the transfer of the loan Wells Fargo bought all the fraudulent loans for XXXX but did NOTHING to make things right with our loan, e.g. change the terms to meet proper federal lending guide lines. We requested and received our account history back to XX/XX/XXXX and found Wells Fargo guilty of not reporting our on time payments that were being held as unapplied. Furthermore, none of the money was applied to our loan in the amount of XXXX. Lastly, on their recorded line I got them to omit they falsely had our account as late and charged XXXX per month. This has been fixed we think. We have dealt with and pleaded with over approximately XXXX to XXXX different representatives. Right now its XXXX XXXX or XXXX XXXX or XXXX XXXX. Finally, we have requested all HUD-1 's and appraisals since early XX/XX/XXXX and still have not received them. We get 2 letters per month saying that we need more time to research and find the information. Please do something with this Fraudulent company who just had their CEO step down. 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 non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/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 non-monetary relief
Consumer complaint received 2017-04-12 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: DC

Complaint narrative:
I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
Having some place called XXXX calling my work and I have never received anything in writing from them regarding this so called debt that I owe.

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 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: NJ

Complaint narrative:
I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding is reporting on my credit for XXXX debts. I do not know anything of these debts as I have not done business with Midland Funding.

Company response to consumer: Closed with explanation